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Caixin

In depth: Want a loan? China's tech giants are at your service

Huge troves of user data prove invaluable for insurance, healthcare and other services

Alipay and WeChat Pay have built up an unassailable lead in the third-party payments sector and control more than 90% of the market.    © Reuters

Click into some of China's most popular apps these days and you'll soon be drowning in ads for loans.

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