Credit is very different than bank accounts. For example, even in countries like Spain, buying a new car and making payments is a new concept. Without functio

Credit is very different than bank accounts. For example, even in countries like Spain, buying a new car and making payments is a new concept. Without functioning consumer credit, some industries have a hard time. A functional credit system is fairly essential. Alibaba in some ways solved that problem by providing guarantees, escrow-ish stuff. More than anything 'credibility' is the value add in a region wherein there is/was little.