Tala is a mission-driven mobile technology and data science company that is opening up financial access for underserved people globally. Tala's smartphone app uses alternative data to deliver instant credit and help customers build their financial identities. Unlike traditional credit scoring, our proprietary underwriting models draw on thousands of mobile data points including network diversity, social connectedness, geographical patterns, and financial transactions to score customers in real time, without the need for formal credit history. We are headquartered in Santa Monica with additional offices in Nairobi and Manila. Tala, formerly known as InVenture, is backed by IVP, Ribbit Capital, Lowercase Capital, Collective Data, Collaborative Fund and other leading venture and impact investors. In 2016, Fast Company ranked Tala as one of its top 10 companies in FinTech Money, and Forbes named Tala as one of the top 50 companies in the world. Additionally, Tala's work has been highlighted by Forbes, the New York Times, the Wall Street Journal, and the Google Play Store, and our product is #1 in Kenya for Wired Finance, among others.