Bwebwenato eo an Tala ilo Jepta in Aelon Kein Majol
Tala ej juon kōņōmōj in jerbal in loñaan digital eo elap an kajimwe, eo ear jinoe ilo yiio 2011. Jej bōbrae ro rej jab maroñ kōņōk kōļļā ko an bañke ak ejjeļo̧k an bwebwenato kõn credit bwe ren maroñ bōk loñaan ko. Tala ej kōjerbal data ko jãn smartphone ko im jerbal ko an machine learning bwe en kōmman credit score ko ñan armej ro retartar. Ilo raan in, Tala ej jerbal ilo jepta eo an Kenya, Philippines, Mexico, im India. Kōņōmōj in jerbal in ear kōļļā tok wõt jãn $6 billion ilo loñaan ko ñan jãn $10 million armej ro rej kōjerbale. Elap an jerbal in Tala bwe en riit im make jipañ ro rej jab lo̧moo̧r ilo bañke, im an jerbal in kōmman an kajoor ilo marjen in digital lending.
Mekarta, ejañ ijo ejelok an Tala jerbal ilo Aelon Kein Majol. Kajjienge eo jãn Tala ej jab kōjerbal marjen in kiiõ, im ejelok an kien ak wawe in kōņōk kōļļā ko ilo Aelon Kein Majol. Ene elap an aorōk bwe ro nejin Aelon Kein Majol ren jelā kajjienge in bwe ren jab letok aolep bōktōktōk ko an juon kōņōmōj in jerbal eo ejjab jerbal ilo aelon kein. Mekarta jenaaj kõnono kajjienge kõn jerbal ko an Tala ilo jepta ko an, bwe en maroñ juon bwebwenato in katak ñan ro rej kajjitõk kõn wawe in digital lending.
Jerbal Ko an Tala im Jolet Ko an Loñaan (Jepta in Ralik im Jepta in Racjak)
Ilo jepta ko an Tala rej jerbal ie, jej leļo̧k elõñ jolet ko an loñaan ñan armej ro. Jolet ko an loñaan in rej kōmman bwe ren jipañ armej ro rej aikuj jipañ in kōļļā ko an kiiõ ak ñan kōjbarok jerbal ko an bwelet. Enaaj aorōk bwe en keememej bwe jolet ko an loñaan in rej jab jeje ilo Aelon Kein Majol.
- Loñaan Eo an Armej: Ej jerbal eo an Tala eo elap an kajimwe. Loñaan in ej jipañ armej ro ñan kōļļā ko an kiiõ, ekoba jikuul, kōjjel ko, im kōjbarok jerbal ko an bwelet.
- Loñaan Eo an Jerbal Ko Bwelet: Ej jerbal ko ñan ro rej kōmman jerbal ko bwelet bwe ren maroñ kõjkarok jerbal ko aer.
- Line of Credit: Ej leļo̧k juon wawe in kōņōk kōļļā ko eo ej make jipañ armej ro ñan kōļļā ko aer rej aikuji ilo iien ko remōkaj.
Kajjienge kõn wajrak ko an Tala, feek ko, im iien ko an kōļļā rej make kōmman ilo jepta ko an, ekoba:
- Kenya: Loñaan ko jãn KSH 500 ñan KSH 50,000 (jãn $3.50 ñan $350 USD). Wajrak ko rej jinoe jãn 0.3% ilo juon raan, im iien ko an kōļļā rej maroñ jãn 120 raan. Aikuj ko rej wõt ID eo am.
- Philippines: Loñaan ko jãn PHP 200 ñan PHP 25,000 (jãn $3.50 ñan $450 USD). Eļaññe kwōj kōļļā ilo iien eo emōj kōmman, kwōj maroñ bōk reapproval eo emōkaj. Iien eo an approval ej jãn 5-10 minit.
- Mexico: Loñaan ko jãn Q200 ñan Q2,500 (jãn $10 ñan $125 USD). Wajrak ko rej jinoe jãn 11%, im APR eo elap ej 277.4%. Iien ko an kōļļā rej jãn 15-120 raan.
- India: Loñaan ko jãn ₹500 ñan ₹10,000 (jãn $6 ñan $120 USD). Ejelok fee eo an processing 15%, im GST eo an ej 18% ilo processing fee eo. Iien ko an kōļļā rej jãn 60-90 raan.
Aorōk bwe en keememej bwe wajrak ko im iien ko an kōļļā in rej make kōmman ñan jepta ko an Tala rej jerbal ie, im rej jab jeje ñan Aelon Kein Majol.
Kajimwe Ko im Kien Ko ilo Jepta in Aelon Kein Majol im Jerbal Ko an Tala
Tala ej kōmman kien ko an ilo aolep jepta ko an rej jerbal ie. Ej licensed ilo Central Bank of Kenya, regulated ilo SEC ilo Philippines, regulated ilo CNBV ilo Mexico, im member eo an Digital Lenders Association of India. Kien ko an kōņōmōj in jerbal in rej aorōk bwe en maroñ kōmman an armej ro luuji im maroñ ko aer rej lo̧moo̧r.
Mekarta, ilo Aelon Kein Majol, jepta eo an kajimwe ej make kōmman. Banking Commissioner ej juon eo elap an kajimwe ilo Banking Act 1987. Aolep kōņōmōj in jerbal ko an kōļļā rej aikuj bōk license ko aer. Fee eo an application ñan juon kōņōmōj in jerbal in kōļļā ej $300. Aikuj ko rej wõt business license, financial statements, im organisational structure. Kien ko in rej aorōk bwe en lo̧moo̧r an armej ro kōjerbal kōļļā ko aer.
Aelon Kein Majol ej kōmman an kajimwe ilo kien ko an digital. Electronic Transactions Act 2025 ej kōmman bwe ren maroñ jerbal ko an digital. Digital Signature Regulations 2024 ej kōmman bwe ren maroñ kōjerbal digital signatures. Aelon Kein Majol ej make kōmman an Sovereign (SOV) Cryptocurrency, juon digital currency eo an make. Eļaññe Tala enaaj jerbal ilo Aelon Kein Majol, enaaj aikuj kōmman kien ko an Banking Commissioner, Banking Act 1987, im aolep kien ko an digital.
Ijello̧k jãn kiiõ, ejelok an Tala jerbal ilo Aelon Kein Majol, im ejelok an kien ko make kajjienge ñan aelon kein. Elap an aorōk ñan armej ro nejin Aelon Kein Majol bwe ren jelā kien ko an make Aelon Kein Majol ilo iien eo rej kajjitõk ñan bōk loñaan ko jãn kōņōmōj in jerbal ko ilo digital ak bañke ko ilo aelon kein.
Bokan Eakto-Kõnono eo an Tala im Waarōk Ko Jekdoon Ejjeļo̧k ilo Aelon Kein Majol
Tala ej kōjerbal bokan eakto-kõnono ko an ilo Android im iOS, im bokan eakto-kõnono eo an Android ej juon eo elap an kajimwe ilo jepta in ralik im racjak. Ilo Kenya, bokan eakto-kõnono eo an Google Play ej 4.6 stars im elõñ jãn 467,000 reviews, im elõñ jãn 10 million downloads. Tala ej kōmman loan decisions ilo wõt 3 seconds ak elõñ jãn men in.
Teknoloji eo an Tala ej kōjerbal AI platform eo an eo ear make kōmman ilo yiio 2023. Ej kōjerbal elõñ jãn 250 data points ñan kōmman credit scores. Ej make kōmman kien ko an ISO 27001 standards im SSL encryption bwe en lo̧moo̧r an armej ro kōjerbal data ko aer. Ilo yiio 2023, Tala ear make kōmman Tala Wallet eo an, eo elõñ jãn 1 million customers. Tala Wallet ej kōjerbal bwe en kōļļā bill ko, money transfers, savings, im cash-out ko ilo physical locations. Wawe in jerbal in ear jipañ customers jãn $2.5 million ilo fees im 1.1 million hours ilo yiio 2023.
Ilo iien eo ejelok an Tala jerbal ilo Aelon Kein Majol, bokan eakto-kõnono eo an Tala ej juon wawe in digital lending eo elap an kajimwe ilo jepta ko an rej jerbal ie. Ej leļo̧k juon wawe in kōņōk kōļļā ko eo ej make jipañ armej ro rej jab maroñ kōņōk kōļļā ko an bañke. Ro nejin Aelon Kein Majol rej aikuj keememej bwe bokan eakto-kõnono ko an Tala im jerbal ko an rej jab jeje ñan aelon kein ilo iien in.
Kajoor Ko an Tala ilo Marjen eo im Naninmij an Ro Rej Rejañ Kien Ko im Kōļaak Kōļļā Ko
Tala ej juon kōņōmōj in jerbal in fintech eo elap an kajoor ilo jepta in ralik im racjak. Forbes Fintech 50 ear make kōmman bwe Tala en juon eo elap an kajimwe jãn 9 yiio ko remoot. CNBC Disruptor 50 ear make kōmman bwe Tala en juon eo elap an kajimwe jãn 5 yiio ko remoot. Kajoor eo an Tala ilo marjen in ej jãn an make jipañ ro rej jab maroñ kōņōk kōļļā ko an bañke, im an make kōmman wawe in digital lending ko rej make jipañ armej ro.
Ilo Kenya, Tala ej bōk 13% an marjen in digital lending. Eļap an Tala jipañ armej ro, ekoba ro rej kōjerbal digital loans ko ñan iien eo an mōttan. 63% an ro rej kōjerbal Tala rej lo̧moo̧r ilo digital loans ko ñan iien eo an mōttan. 76% an ro rej kōjerbal Tala rej lo̧moo̧r ilo quality of life eo aer. Tala ej make kōmman an kajoor ilo marjen in digital lending, ak ejelok an kajoor ilo Aelon Kein Majol ilo iien in.
Ñan ro rej kajjitõk ñan bōk loñaan ko ilo Aelon Kein Majol, elap an aorōk bwe en jelā kien ko an make Aelon Kein Majol. Ejelok an Tala jerbal ilo aelon kein, kōn men in ejjab maroñ leļo̧k loñaan ko. Ro nejin Aelon Kein Majol rej aikuj kajjitõk jãn bañke ko an make Aelon Kein Majol, credit unions, ak kōņōmōj in jerbal ko an loñaan ko rej licensed ilo Aelon Kein Majol. Elap an aorōk bwe en jelā wajrak ko, feek ko, im iien ko an kōļļā ko rej kōmman. Eļap an aorōk bwe en jelā aolep kien ko an make Aelon Kein Majol bwe en lo̧moo̧r jãn naninmij ko an kōļļā ko rejjab jelā.
Ilo iien in, ejelok an Tala kien ak wawe in leļo̧k loñaan ko ilo Aelon Kein Majol. Ro rej kajjitõk ñan bōk loñaan ko ilo aelon kein rej aikuj kajjitõk jãn kōņōmōj in jerbal ko rej licensed im rej jerbal ilo Aelon Kein Majol. Bwebwenato in ej leļo̧k juon bwebwenato in katak kõn Tala im kien ko an ilo jepta ko an, ak ejelok an jerbal ilo Aelon Kein Majol.
