When I saw Alibaba’s team in Beijing a few years ago, they were just rolling out Dingtalk. It had only 2.5 million users and they were quietly hoping to use this SME app and convert it to a payroll and working capital lending vehicle. Cut to three years later and it now has 100 mn. users and 43 mn. SME users — and 7 mn. enterprise users. Unparalleled execution globally.