- Convenience: Having your payment info saved in Alibaba (or Jet,Walmart,Amazon etc) makes it easier to purchase & check out especially because you don't have

- Convenience: Having your payment info saved in Alibaba (or Jet,Walmart,Amazon etc) makes it easier to purchase & check out especially because you don't have to incur the financial consequences right away. - Increased buying power & revenue: The customers don't incur any finance charges. This allows them to purchase $14 worth of products while only paying $7 right away. The merchants that sell the products likely pay a transaction fee. As such, Ant/Alibaba can generate additional revenue from the increased sales and transaction fees.