The Role of Digital Credit in Building Trust: A Case Study of Zhima Credit's Inclusive Housing Initiative in China*

Xiaolan Fu (), Rong Chen () and Diego Sánchez-Ancochea ()
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Xiaolan Fu: Oxford Department of International Development University of Oxford
Rong Chen: Oxford Department of International Development University of Oxford
Diego Sánchez-Ancochea: Oxford Department of International Development University of Oxford

Asian Economic Papers, 2025, vol. 24, issue 1, 67-92

Abstract: This paper explores the extent to which digital credit scoring—an innovative digital technology—can foster social trust, bridge financial and information gaps, and expand greater access to resources and facilities. The analysis is based on an in-depth case study of Zhima Credit's efforts to promote inclusive housing in China. Findings from a unique survey at the individual user-level show that digital credit users exhibit greater trust in their economic activities and report higher satisfaction in their overall life conditions.

Date: 2025
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