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Tala is an AI-native financial infrastructure company based in Santa Monica, California. Founded in 2011 by Shivani Siroya, Tala focuses on providing accessible financial services to underserved and unbanked populations in emerging markets across Latin America, Asia, and East Africa. The company has disbursed over $7 billion in credit to more than 12 million customers, aiming to enhance financial inclusion for those without traditional banking access. Tala's primary offering is a smartphone money app that connects digital and cash ecosystems, allowing users to access various financial services instantly. Key services include micro-loans ranging from $10 to $500, credit scoring using alternative data, savings and payments solutions, insurance, and bill pay. Additionally, Tala has partnered with Visa to enable cryptocurrency transactions, further expanding its financial services. The company operates in key markets such as Kenya, the Philippines, Mexico, and India, serving individuals and small business owners who rely on Tala for their financial needs.