China's social networking and entertainment giant Tencent this week began testing a personal credit-reporting system among a selected group of users of its instant-messaging service QQ, reports online news service Caixin. Although it came late to the business of individual creditworthiness-evaluation, Tencent Credit aims to challenge the better established Sesame Credit, the personal credit-rating service of Ant Financial Services Group, once a subsidiary of Alibaba Group Holding.