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One of the main drivers of China's e-commerce boom is the dramatic expansion of the country's Internet finance industry, which has grown and diversified at a staggering rate over the past decade. The emergence of Chinese Internet finance has been discussed in largely positive terms as facilitating commercial activity. It has also been linked to the wider developmental goal of promoting financial inclusion through the provision of financial services to previously excluded populations. Emerging from the global microfinance movement, the concept of financial inclusion depicts increased access to financial services (particularly credit) as an inherently beneficial means of empowering the poor and driving bottom-up economic development. This article challenges this dominant narrative of beneficial digital financial inclusion in China. It draws on the growing body of literature critiquing the global financial inclusion movement, and examines examples of exploitation, fraud, instability, and extraction related to expanded digital financial coverage in contemporary China. It then demonstrates that digital financial inclusion is part and parcel of the Chinese government's plans to create a social credit system in an attempt to construct a "trustworthy society." In this way, digital financial inclusion can be seen as a key element in a wider project of expanding surveillance through big data in order to close down spaces for those seeking to contest the hegemonic socioeconomic order. The article argues that these examples illuminate fundamental processes implicit in the expansion of the commercial Internet finance industry. In this way, while the extension of digital financial inclusion in China benefits certain groups, it also necessarily serves to reproduce patterns of inequality and exploitation. (China Perspect/GIGA)

The recording and verbatim transcription of interviews is often considered to be one of the more tedious but necessary aspects of the in-depth qualitative research process. While transcription is undoubtedly a necessary methodological tool for researchers focusing specifically on discourse and language, it has also been widely adopted by researchers across the social sciences, and is sometimes advocated as a means of inherently improving the rigour of qualitative research. Based on recent experience from fieldwork in rural China, where I had initially expected to utilise the verbatim transcription method, in this article I critically assess the role of transcription in the design, implementation, and outcome of cross-cultural multilingual qualitative research. I argue that, in certain cases, verbatim transcription can limit the kind of information that may be considered valuable as data, and delay the processes of data reduction and analysis, thus separating the researcher from the fieldwork event. In response to these critiques, I propose an alternative approach to collecting, categorising, coding, and analysing qualitative data: the systematic and reflexive interviewing and reporting (SRIR) method. The SRIR method utilises semi-structured and unstructured interviews conducted by two or more researchers. After completing an interview, researchers engage in reflexive dialogue, and jointly write interview and analysis reports. In this way, the SRIR method begins the process of coding and analysis in situ, thus facilitating critical engagement with emergent themes during fieldwork rather than afterwards. The method is, therefore, ideally suited to research projects that are designed to be open ended and flexible, in order to follow up on new information and potentially even change focus.