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Ant's services use big data analysis to pinpoint needs and automatically evaluate risks before giving out loans. Bad loan ratio of its Jiebei online small loan service stands below 1 percent, which is significantly lower than the 30 to 50 percent industry average, she said.

Another hiker, "cantor0101", said the reason she was alone was probably because "she had made it through the heart of the Sierras and was almost out of the really treacherous stuff".

Another video shows four patients singing a song they wrote to express their heartfelt thanks to medical workers when they were discharged from the hospital.

Ant Financial's effort represents a genuine breakthrough in business know-how and putting the ideal of inclusive finance into practice, said Xu Yuan, a professor at the National School of Development at Peking University.

Another U of T student, Loick Masunda, who was at a neighboring house, leapt into action and pulled a student out when the fire started.