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Tala Stock (TALA)
Mobile Technology for Financial Services
Tala is a microloan provider in developing countries.
About Tala Stock
Founded
2011
Headquarters
Santa Monica, CA, US
Total Funding
362M
Industries
Real Estate
Tala is a micro-loan provider in developing countries. Tala claims to provide personalized loans to approved borrowers and builds digital credit history. The company provides these loans through a mobile app where the entire process happens, from loan application to funds release and status tracking.
Tala was founded in October 2011 and its global team is headquartered in Santa Monica, with additional offices in Nairobi, Manila, Dar Es Salaam, Mexico City, Mumbai, and Bangalore. Notable investors include Upstart, RPS Ventures, PayPal Ventures, and Revolution.Â
Tala Press Mentions
Stay in the know about the latest news on Tala
Tala Now Lets You Pick A Date To Clear Your Loan
techweez • Feb 11, 2022
Tala on Behavioral Analytics' Advantages in Fighting Fraud and Satisfying Customers
dlvr • Nov 30, 2021
Fintech Firm Tala Raises $145 Million For Expansion, Including Crypto Offerings
ndtv • Oct 15, 2021
Fintech platform Tala raises $145 million Series E, to focus on growing India biz
livemint • Oct 15, 2021
Tala grabs $145M to offer more financial services in emerging markets
TechCrunch • Oct 14, 2021
Investors in Tala
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Tala Management
Leadership team at Tala
Chief Executive Officer
Shivani Siroya
Chief Financial Officer
Jen Loo
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Tala Key Facts
- Tala reportedly reached the 10 million customer mark in November 2024 and have the opportunity to grow their customer base even further amongst the unbanked population in emerging markets. As of May 2021, there are about 1.7 billion people in the world who are unbanked, a large proportion in emerging markets. Tala's ability to reach this segment offers a huge growth potential to the company.
- Tala offers an non traditional way of credit scoring which uses alternative data as a proxy for traditional financial data used in underwriting and consists of behavioral and android data. This is a competitive advantage for Tala amongst other loan providers which rely primarily on credit scores to evaluate someone's financial profile. Because of this Tala helps build a "financial identity" for people previously excluded from financial services.
- Tala has recently integrated technology and crypto into their offerings. In October 2024, Tala unveiled a new non-custodial crypto wallet which allows their customers to manage virtual assets.This crypto wallet can help expand financial inclusion and transformative technologies to those who are unbanked or underbanked. This presents a huge opportunity for Tala as reliance on technology and crypto continues to grow across the world.
- Tala faces challenges with data protection. In Tala's own words, they will do their best to protect personal data but they "cannot guarantee the security of your data transmitted to Our Sites; any transmission is at your own risk". Because Tala is heaviliy reliant on customer behavioral and android data, there is always a risk of a data breach which could negatively affect the business and the consumer.
- Tala faces heavy competition in the financial technology sector including companies such as Branch, Opay, PayJoy, and InVenture. Each of these companies offer financial services to customers all around the world and each of them hope to dominate the market.
- Tala's business model is associated with high operational costs, given the fact that company requires a significant amount of capital to extend microloans to customers. Given the fact that Tala hasn't raised equity since 2021, the company must be careful on how they manage their funds and the risk that they are prepared to take on as their customer acquisition costs could be high especially in remote areas of developing countries.
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