Building the future of finance
We’re changing the way credit scoring and financial services work around the world.
Complex data. Innovative solutions.
We’re connecting 10,000+ data points per customer to build a new kind of credit score. It's working in a way that the world has never seen before.
Creative science
We question everything. We find insights where others don’t, analyzing everything from geolocation trends to network diversity to build our algorithms.
Disruptive finance
Traditional credit doesn’t work in emerging markets — mobile does. On our mobile platform, customers can access credit and other financial services instantly.
Global impact
Our data models have empowered hundreds of thousands of customers globally to choose their financial futures.
How Tala Works
A New Kind of Credit Score
Our credit models allow us to evaluate an applicant's creditworthiness and capacity using the data on their mobile devices. This means we can evaluate and score even those customers who have no formal credit or banking history.
Instant Credit
Anyone with a smartphone in our current countries can download the Tala app and apply for short-term credit. Loans are disbursed directly to customers' mobile wallets in less than a minute.
Full Financial Partnership
Smart data models allow customers to increase their limits and lower their interest rates over time. Within our platform, customers can view their credit status, track payments, get reminders, and ask for help. Making and receiving payments is quick and easy.
Services Built for People
All customers receive a personalized financial experience tailored to their needs and goals. Smart data models allow customers to increase their limits and lower their interest rates over time and have more choice and control.
"I am honored to be part of this system. I have been able to grow my business, and daily it is improving step by step. Thank you for walking with me."
— Ronald, 9 loans from Tala
We believe everyone deserves financial access, choice and control.
We are data scientists, engineers, customer experience designers, marketers, and finance geeks all passionate about extending financial freedom to the billions of underserved people around the world.