I have a good credit record on Ant, and I just come USA last Fall, really feel the inconvenient payment here, I personality don't trust any third party financia

I have a good credit record on Ant, and I just come USA last Fall, really feel the inconvenient payment here, I personality don't trust any third party financial institutions, whether physical bank or online financial company, and some behaviors the ant performed on its customers, I cant agree. Well one fact I can tell about is the expo in my university before I came to USA, the AI technology shows during the expo suprised me, although the mechanism behind problem simple, well in China senario, the nlp, characters recognition is more difficult due to it's culture. I happened to check out it's individual loans oneline, based its credit system, everyone has a credit number, I can lend my money to thers, it's like customer to customer, it's more like the blockchain idea (decentralize), I like it, we don't need bank or anything other agents to operate for us, although the credit number can be compromied by Ant, the idea is real, and used by Chinese people, it's happening, it's a start. I know here is a different country, different system, basically payment dominated by cash and credit card, which I was really not used to, no offense, living here I feel more traditional regarding payment and shopping. Of course there are so many things good and better than China, but China is so big, there are technologies advanced indeed. Back to Ant, there are certain ways they promote their products I don't like, the truth is they do innovate Chinese shopping, loans and financial payments, and mostly it's working well, it's more align to the society develop.