[toddmorey]

This goes much further into social behavior, and takes advantage of consumer and social data in new ways:

"If friends have a poor lending reputation, this reflects badly on the person, just as prolonged playing of video games. Buying diapers indicates responsibility and scores therefore well."

Also, while it starts with financial responsibility, the ambitions are larger:

"The intentions of the new system are not only economical, fighting fraudulent practices, but also moral. 'This is a deliberate effort by the Chinese government to promote among its citizens "socialist core values" such as patriotism, respecting the elderly, working hard and avoiding extravagant consumption', says Creemers."