When a user is late on his or her chanting, this late information is recorded in the Ant Group system's big data.

The Ant Group itself has Sesame Credit, and many funders have docked with Ant's Sesame Credit, and will use Sesame Credit to review the borrower's big data, so when the user applies for a loan from another funder, the funder will see that the user has been overdue when checking the big data, and the loan may not be approved.