Senior Manager of Global Treasury, Tala

Tala uses an alternative approach to decide who can get a loan. Instead of relying only on credit scores, it looks at different types of data, like how customers use their phone, interact with the app, and manage money. Its technology then quickly assesses rick and can send out loans in minutes.

The company has grown to serve millions of customers across markets like Kenya, the Philippines, and Mexico, and has lent billions of dollars in total. It is also starting to offer more than just loans, including payments and money management tools. While Tala faces strong competition from companies like Brand and other digital lenders, it remains one of the better-known players trying to expand access to credit.