Baidu announced to invest an undisclosed amount of money in ZestFiance, a US-based Fintech company that uses machine learning to transfer massive and complex data into credit scores, reported Commercial Times on July 18. According to the deal, ZestFinance's technology will be applied to the user data from Baidu's search engine, map, and payment services to improve credit scoring decision. This technology is valuable to the credit card market in emerging countries such as China since there hasn't a centralized credit scoring system. Aside from Baidu, JD.com, China's biggest online e-commerce company, also invested in ZestFinance last year.