Tala is a financial technology company based in Santa Monica, California, founded in 2011 by CEO Shivani Siroya. The company aims to create inclusive financial systems for underserved populations in emerging markets, including Latin America, Asia, and East Africa. Tala provides digital financial infrastructure that targets the unbanked by utilizing alternative data from mobile phones to generate instant credit scores. Tala's primary offering is a comprehensive money app that facilitates credit and lending, allowing users to access instant loans ranging from $10 to $500. The app also includes features for payments, savings, and money transfers, supporting various financial needs such as small business expansion and bill payments. With a focus on women micro-entrepreneurs, Tala has disbursed over $7 billion in credit to more than 12 million customers. The company employs AI-driven underwriting and has developed a full financial platform that enhances user experience through ongoing monitoring and personalized services.