Big data or user authorization. Borrowing now known as Credit Loan is a loan service launched by Alipay. Borrowing can know the user's family phone number through big data or user authorization. Big data refers to a collection of data that cannot be captured, managed, and processed within a certain timeframe using conventional software tools, and is a massive, high-growth, and diverse information asset that requires a new processing model in order to have stronger decision-making, insight discovery, and process optimization capabilities.