Financial services for the emerging middle class.
Photo credit: Tala
Tala is a fintech company founded in 2011 by Shivani Siroya that uses alternative data from mobile devices to provide instant credit to underserved borrowers in Kenya, the Philippines, Mexico, India, and other emerging markets. The company's mobile app assesses creditworthiness without traditional credit histories, opening access to unsecured microloans for the billions of people excluded from conventional banking systems who nevertheless demonstrate reliable financial behavior through their smartphone usage patterns.
Tala has disbursed billions of dollars in credit to millions of customers who use its loans for business investment, education, medical expenses, and household needs. Repayment history on the platform helps borrowers build financial identities over time, creating a pathway from informal credit to larger financial opportunities, and demonstrating that machine learning and mobile technology can extend responsible lending to markets where brick-and-mortar banks have never operated profitably.
Tala provides unsecured microloans through its mobile app, using smartphone data and machine learning to score borrowers excluded from traditional banking. Repayment history helps customers build credit profiles and access larger financial opportunities over time.
Has disbursed billions of dollars in credit to millions of customers across Kenya, the Philippines, Mexico, and India who lack access to traditional banking.
Alternative Credit Scoring
Uses mobile data to assess creditworthiness for borrowers without traditional credit histories.
Instant Mobile Loans
Delivers unsecured credit through a smartphone app in minutes.
Financial Inclusion
Serves the emerging middle class in markets underserved by conventional banks.
Credit Building
Repayment history helps customers establish financial identities over time.
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