Podcast appearances and mentions of Shivani Siroya

Shivani Siroya had worked in microfinance around the world for major banks–and saw a lot of structural issues with lending to unbanked or non-traditional entrepreneurs in small doses. Before launching her own company to fix those, she went back to school–and also worked in Kenya, for the UN Population Fund. It was there she began lending her own money to small-business owners–and learned firsthand how to establish trust in lending. When she founded Tala in 2013, she also learned the value of risk–or, as she calls it, “taking the first risk.” She explains to host Christine Lagorio-Chafkin how the company took many audacious leaps through its growth to 6 million customers–including one that shook Tala to its core during the pandemic. 

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Russell Matambo hosts Shivani Siroya, Founder and CEO of Tala, a global technology company expanding access to credit and financial services in underserved markets. They discuss how Shivani's built Tala on the basis of her microlending activity from her own savings, the importance of trust when lending in Emerging Markets, the socioeconomic impact of credit in Emerging Markets, and much more! About Shivani: Shivani is the Founder and CEO of Tala, a global technology company expanding access to credit and financial services in underserved markets. Nearly 8 million people across Kenya, the Philippines, Mexico, and India have used Tala products to start and expand small businesses, manage day-to-day needs, and pursue their financial goals with confidence. Tala has been named to the Fortune Impact 20 list, CNBC's Disruptor 50 four years in a row, and Forbes' Fintech 50 list for seven years running. Shivani has been invited to speak on Financial Inclusion at the World Economic Forum in Davos. Prior to founding Tala, Shivani worked in Investment Banking, Microfinance and for the United Nations Population Fund. She holds a BA from Wesleyan University and an MPH from Columbia University. —--- As always, for more Fintech insights and opportunities to collaborate, please find us below: WFT LinkedIn: www.linkedin.com/company/wharton-fintech-club WFT Twitter: www.twitter.com/whartonfintech WFT Blog: www.medium.com/wharton-fintech WFT Home: www.whartonfintech.org Russell's LinkedIn: www.linkedin.com/in/russell-matambo-cfa-a5900039/

One of the real promises of fintech is to bring new populations into the financial system for the first time. While this sounds great in theory it is difficult to execute, particularly in developing countries where it is most needed.Our next guest on the Fintech One-on-One podcast is Shivani Siroya, the CEO and founder of Tala (Shivani was last on the show back in 2017). They are operating on the front lines of fintech, bringing financial tools to people who have not had access before. And they are doing it at scale having served eight million customers across four different countries.In this podcast you will learn:What their mission of "enabling financial agency" means.The geographies they work in today.How they think about whether to enter new markets.What the countries they operate in have in common.Why cash is still such an important part of what they do.How they establish trust with their customers.The major use cases for a Tala loan.The results of their recent impact survey.How they have developed a new kind of credit score.The type of non-financial data that is most predictive.Why providing a low friction experience is so critical.How they engage with their customers beyond the lending product.How financial literacy is core to their mission.The scale Tala is at today.What is like to run a company across four different regions.The vision for Tala going forward.Connect with Shivani on LinkedInConnect with Tala on LinkedInConnect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

One of the real promises of fintech is to bring new populations into the financial system for the first time. While this sounds great in theory it is difficult to execute, particularly in developing countries where it is most needed.Our next guest on the Fintech One-on-One podcast is Shivani Siroya, the CEO and founder of Tala (Shivani was last on the show back in 2017). They are operating on the front lines of fintech, bringing financial tools to people who have not had access before. And they are doing it at scale having served eight million customers across four different countries.In this podcast you will learn:What their mission of "enabling financial agency" means.The geographies they work in today.How they think about whether to enter new markets.What the countries they operate in have in common.Why cash is still such an important part of what they do.How they establish trust with their customers.The major use cases for a Tala loan.The results of their recent impact survey.How they have developed a new kind of credit score.The type of non-financial data that is most predictive.Why providing a low friction experience is so critical.How they engage with their customers beyond the lending product.How financial literacy is core to their mission.The scale Tala is at today.What is like to run a company across four different regions.The vision for Tala going forward.Connect with Shivani on LinkedInConnect with Tala on LinkedInConnect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodesConnect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

CNBC's Julia Boorstin speaks with Shivani Siroya, founder and CEO of Tala, an emerging markets microlender. Siroya dives into the the company's success in the current economic environment and shares why she thinks fintech can help dissolve barriers to entry for entrepreneurs worldwide.

This week we chat with Shivana Siroya!Shivani Siroya is the founder and CEO of Tala, the leading financial technology company in emerging markets. Prior to founding Tala, Shivani held a variety of positions in global health and micro-finance and investment banking. Millions of people have borrowed through Tala's smartphone app, which provides instant personalized credit to under-served customers in Africa, Asia, and Latin America. Tala is backed by leading venture and impact investors, including PayPal, Revolution, IVP, and more... Earlier this year, Forbes named Tala as one of the top-50 tech companies in the world Tala's work has been highlighted by the New York Times, Financial Times, and Wall Street Journal among many others. In this episode, the pair start from the beginning of Shivani's journey where she discovered a key eye for problem solving. Applying solution to a problem seems to be the underlying thread in Shivani's experiences guiding her through college where she received an MBA from Columbia, and later then into the workforce. Conversations on the difference between comprehension and experience, the advantages of alumni networking, and the passion to serve underpopulated regions is just the start!Twentysomethings, get ready for an hour with the problem-solver of our generation, Shivani Siroya!Follow Us!Shivani Siroya: @shivsiroyaTala: @talamobile (and website here)Erica Wenger: @erica_wengerDear Twentysomething: @deartwentysomething

Live from Money 20/20 Nicole is joined on stage by two stellar guests, moving the needle on financial inclusion.Nicole is in conversation with Mary Ellen Iskenderian, President at Women's World Banking and Shivani Siroya, CEO and Founder at Tala.The panel gets into 720 billion reasons for financial equity, helping women and marginalized people across the globe get access to financial products, and how to build a business with empathy. This is a special episode you won't want to miss.And our sponsor MainStreet is making it easy to find thousands of dollars worth of R&D Tax Credits. You only need to plug MainStreet into your payroll and let their team of experts do the heavy lifting, scanning hundreds of federal, state and local tax credits on your behalf. It's going to save you so much time and your company so much money.Head to MainStreet.com to sign up for their limited time offer.And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!Follow Mary Ellen:LinkedIn: linkedin.com/in/maryelleniskenderianFollow Shivani:LinkedIn: linkedin.com/in/shivanisiroyaFollowYou can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

‘This is not our customer...' That was the common justification banks used to deny loans to the entrepreneurs Shivani Siroya supported through her work with the United Nations. While it's not unusual for a tech startup to raise millions before ever launching a product, small business owners across the globe are all-too-often deemed unworthy of even just a few hundred dollars by traditional financial institutions. In 2011, Shivani set out to change this at scale. Her company, Tala, has since disbursed more than $3 billion in microloans across India, Kenya, Mexico, and the Philippines. Borrowers simply answer a few questions on a mobile app and — within minutes — they have access to capital. What's more is that the vast majority of the Tala's loans are repaid, even with such a frictionless vetting process. This week on How I Built This Lab, Shivani talks with Guy about the lightbulb moments that drove the creation of this vital credit solution and its potential to uplift entire national economies. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In her groundbreaking, deeply reported work, Julia Boorstin reveals the odds-defying leadership approaches of women running the world's most innovative and successful companies—and what we can learn from them. Now, in When Women Lead, Boorstin brings together the stories of over sixty of those female CEOs and leaders, and dozens of new studies. Her combination of narrative and research reveals how once-underestimated characteristics, from vulnerability and gratitude to divergent thinking, can be vital superpowers—and that anyone can work these approaches to their advantage. Featuring new interviews with Gwyneth Paltrow, Jenn Hyman, Whitney Wolfe Herd, Lena Waithe, Shivani Siroya, and more, When Women Lead is a radical blueprint for the future of business, and our world at large.

Sometimes when you're creating an opportunity to showcase amazing women every week, and then... @forbeswomen does it every year, giving you a 'better late than never' nudge to learn more about and highlight magnificently dynamic women you never would have known about inside your little life bubble. So thank you x infinity to Maggie McGrath, for writing about women who run companies, currencies and countries. You're really helping this babe out this week, so I can't wait to see the 2022 list! Cheers to Mia Mottley- first female prime minister for Barbados, Najla Bouden Romdhane- Tunisia's first-ever female prime minister, Lynn Martin- president of the NYSE, Angela Williams- the first Black female president and CEO of Easterseals, Canva cofounder Melanie Perkins, Tala founder Shivani Siroya, Bumble cofounder Whitney Wolfe Herd, and Clear Secure cofounder Caryn Seidman-Becker. Also to Kathy Hochul- The 57th governor of New York is the first woman in history to run the state, Nemonte Nenquimo-indigenous Waorani woman activist (a Goldman Prize and a “Champion of the Earth” honor from the U.N. Environmental Programme in December 2020) , Chinese standup comedian Yang Li, French-Malian pop-star (and Forbes 30 Under 30 Europe honoree) Aya Nakamura,Minyoung Kim, Netflix's vice president of content for Asia-Pacific, and last but certainly not least, “I Will Destroy You” creator Michaela Coel. I appreciate all that you do in your industries to create and collaborate in order to make change happen for all types of people in your native countries, states and counties around the world. You truly make this floating rock a better place and I cannot wait to continue to find inspiration in your words, your wisdom and your way of including others. Big thanks again to Maggie McGrath of @Forbes, see the full article here: https://www.forbes.com/sites/maggiemcgrath/2021/12/07/power-rising-these-are-the-women-to-watch-in-2022/?sh=58835fdb2225

Being chief executive doesn't mean doing everything–or, necessarily, being good at every little thing your company does. In “What I Don't Know,” What I Know host Christine Lagorio-Chafkin asks founders to explain a skill or task they just aren't good at. Maybe it's the first thing they delegated once they hired staff–or something they would like to get off their plate. On this week's bonus episode, Shivani Siroya, the founder and CEO of Tala, talks about her relationship with being the face of her company–and all the publicity that comes along with it. She doesn't love public speaking; she'd rather be heads-down solving a problem. But, she says, she's found a silver lining.

Shivani Siroya had worked in microfinance around the world for major banks–and saw a lot of structural issues with lending to unbanked or non-traditional entrepreneurs in small doses. Before launching her own company to fix those, she went back to school–and also worked in Kenya, for the UN Population Fund. It was there she began lending her own money to small-business owners–and learned firsthand how to establish trust in lending. When she founded Tala in 2013, she also learned the value of risk–or, as she calls it, “taking the first risk.” She explains to host Christine Lagorio-Chafkin how the company took many audacious leaps through its growth to 6 million customers–including one that shook Tala to its core during the pandemic. 

Found Live is back again with Shivani Siroya, CEO and founder of Tala, a fintech company that works with underestimated communities to build a financial system that works for everyone. While working at the UN, Siroya was working to  understand progress out of poverty and discovered you need to understand where the money is being used. In this episode, she talks with Jordan and Darrell about how she took that information to start Tala, raise a $145 million series E, adjust and excel during the pandemic, lead with honesty and empathy, and continues to create a more equitable financial system.Take our listener survey and let us know a bit about yourself and what you think of FOUND.Connect with us:On TwitterOn InstagramVia email: found@techcrunch.comCall us and leave a voicemail at (510) 936-1618

March is Women's History Month and we will be featuring some outstanding female FOMO Sapiens on the podcast all month long for a special break between seasons.  Nominated by Melinda Gates as Wired Icon in 2018, socioeconomic entrepreneur and Tala Mobile CEO & founder Shivani Siroya joins in a discussion about innovating financial solutions and impacting social change globally.  In addition to disrupting antiquated financial systems that historically underserved populations most in need by offering services and solutions to empower communities and small businesses, Shivani explains how she expertly manages a multicultural and international team in order to provide the best products, tools, and resources to her more than 6M customers worldwide.  Thanks to Our Partners: Indeed Shopify Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people don't spend much time thinking about where their poultry comes from, much less what it was eating when it was alive but the feeding practices on large farms are harmful to the environment and have led to bland, unhealthy chickens. Today's guest, Matthew Wadiak is a chef and founder and CEO of Cooks Venture which is on a mission to create a new breed of broiler chicken that is more active, able to eat a varied diet, and tastier. Through restorative agriculture and selective breeding, the Cooks Venture farm in Arkansas has bred chickens that are more heat resistant and can eat a variety of grains. As a chef and former co-founder of Blue Apron, Wadiak views it as his duty to try to change the food system for the better. Watch the Cooks Venture video about planting 20,000 Hazelnut trees in partnership with RAD. Don't miss the next live episode with Shivani Siroya from Tala on 3/17 at 10pm PT/ 1pm ET.  RSVP: https://hopin.com/events/found-live-mar17 Take our listener survey and let us know a bit about yourself and what you think of FOUND.Connect with us:On TwitterOn InstagramVia email: found@techcrunch.comCall us and leave a voicemail at (510) 936-1618

On Found Live Darrell and Jordan got to chat with Cityblock co-founder and president, Toyin Ajayi. CItyblock provides primary care,  behavioral health, and social care to folks who have been historically marginalized in the healthcare system, primarily people who are receiving their health insurance through Medicaid with the goal of providing high-quality holistic care at a lower cost. They do this through a network of physicians, community outreach teams, and by working with insurance providers. While Dr. Ajayi was working in a hospital system she became frustrated by the systemic issues that were sending the same patients back to the hospital time and time again. So she began experimenting with ways to extend her care like giving out her cell phone number, making house calls, being available to explain medications. That idea grew into Cityblock where that level of personalized care is scaled. They talked about the healthcare system, how providers can improve care, Toyin's spicy TechCrunch Disrupt panel, and answered a few audience questions.Don't miss the next live episode with Shivani Siroya from Tala on 3/17 at 10pm PT/ 1pm ET.  RSVP: https://hopin.com/events/found-live-mar17Take our listener survey and let us know a bit about yourself and what you think of FOUND.Connect with us:On TwitterOn InstagramVia email: found@techcrunch.comCall us and leave a voicemail at (510) 936-1618

Our expert host, Simon Taylor, is joined by a great panel of guests to talk about all things crypto. In the first part of the show, we want to take a look at just how far we've come. How far the crypto space has come in the last year - not just in terms of bitcoin surges but also the real steps forward in terms of adoption by big organisations, regulators and even central banks to start taking this crypto phenomenon seriously. Why is it booming so much now? Does crypto matter more now than it ever has before? And last but not least, is crypto mainstream, and why should we care about it? This week's expert guests include: Shivani Siroya, CEO and founder of Tala Diogo Monica, CEO of Anchorage Cuy Sheffield, Head of Crypto, Visa This episode is sponsored by Temenos. Temenos is the world's leader in banking software, helping over 3,000 banks serve over 1.2 billion people. Our purpose is to make banking better. Together with our community, we make banks more successful, individuals better banked, and society better served. With our software banks can create more human digital experiences, hyper-efficient business models, and transform their back-office. Our clients are the highest performing banks with cost-income ratios which are twice better than the industry average. Learn more at Temenos.com. (https://go.temenos.com/11fs) This episode is brought to you by Visa, one of the world's leaders in digital payments. Visa's Fintech Fast Track program is a quick and easy way to connect to the Visa network and issue payment credentials. Whether you're an up and coming neobank, modernizing B2B payments, or launching a new crypto solution - amazing things can happen when your innovation is combined with the power of one of the world's largest payment networks. Learn more about the possibilities at http://partner.visa.com/. (https://partner.visa.com/homepage.html?utm_source=partner&utm_medium=affiliate&utm_content=sponsored-podcast_english_60min0sec&utm_campaign=us_fintech_q3-fy21-11fs-fintechinsider&utm_creative=awareness_11fs-fintech-insider) *This episode is also sponsored by YouGov. *With a global consumer panel of 15 million registered members, 11+ years' historic single-source data, and proprietary technology that connects data and simplifies research, YouGov is home to the largest collection of constant, entirely permissioned consumer opinion and rich behavioural intelligence in the world. YouGov's latest report measures the effect of COVID-19 on consumer attitudes, behaviours, and preferences when it comes to financial services. Beyond the pandemic, it examines the payments landscape, investments, sustainability & ethics and more in 17 markets. Download On the money: YouGov's Global Banking & Finance Report 2021 (https://yougov.co.uk/topics/finance/articles-reports/2021/02/16/global-banking-2021?utm_medium=advertising&utm_source=11FS&utm_campaign=ADV-2021-05-UKI-11FS) Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking. If you enjoyed this episode, don't forget to subscribe and please leave a review Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com! Special Guests: Cuy Sheffield , Diogo Mónica, and Shivani Siroya.

Our expert host, Simon Taylor, is joined by a great panel of guests to talk about all things crypto. In the first part of the show, we want to take a look at just how far we've come. How far the crypto space has come in the last year - not just in terms of bitcoin surges but also the real steps forward in terms of adoption by big organisations, regulators and even central banks to start taking this crypto phenomenon seriously. Why is it booming so much now? Does crypto matter more now than it ever has before? And last but not least, is crypto mainstream, and why should we care about it? This week's expert guests include: Shivani Siroya, CEO and founder of Tala Diogo Monica, CEO of Anchorage Cuy Sheffield, Head of Crypto, Visa If you enjoyed the show, don't forget to subscribe and leave a review! Want to join the conversation on all the topics discussed? Tweet the show at: www.twitter.com/bchaininsider Special Guests: Cuy Sheffield , Diogo Mónica, and Shivani Siroya.

Today's guest is FFF portfolio founder Shivani Siroya of Tala, the leading financial app across three continents in emerging markets including Kenya, Mexico, the Philippines, and India, serving over six million users. Shivani shares how her global upbringing and background in finance and data science inspired her to enter the world of fintech, how the platform has evolved to meet user needs, how Tala has been able to maintain first-mover advantage, and why she uses ‘radical trust' as a core value. She discusses her experience innovating and managing a global team and customer base through COVID, fundraising for a product that is not catered to the US market, and more.

Shivani Siroya built her first career as a strong performer in high-end finance job, but some part of her was craving a more impactful path. In an industry that errs on the side of caution - especially when it comes to lending to low-income borrowers - Shivani began asking, "how can we better extend trust to more people?" With almost half of the global population unable to participate in the formal financial system, Shivani realized that so many people were left behind simply because of where they were born. She came up with a brilliant solution to a seemingly impossible problem: lending to users who lacked a meaningful credit history or involvement in the formal financial system. All that's needed is a mobile phone to underwrite, originate, and collect on microloans. These microloans, which range from $100 to $500, drive massive impact for borrowers by enabling them to start new businesses, attain new educational opportunities, and have a stopgap for emergencies. With offices in India, Mexico, the Philippines, and Kenya, Tala now serves millions of borrowers with life-changing loans every single day. Take a listen to Shivani's fascinating journey to hear about her experiences in starting and building Tala.

Welcome to Decoding Disruptors, a special edition of the Finding Mastery podcast presented without interruption by Microsoft.Decoding Disruptors takes a deep dive into the minds of extraordinary women who have disrupted the narrative in their businesses, industries, and communities. Every conversation was filmed and is currently available at decodingdisruptors.com.This conversation is with Shivani Siroya, who built a near-billion dollar business on the back of a simple belief: people are trustworthy.After holding jobs with big investment banks and with the United Nations, Shivani recognized a global problem: almost a third of the world doesn’t have access to credit because they have no way to build a credit score.Without credit, people can’t get home loans, small business loans, life improvement loans. It’s difficult to progress personally or professionally.So she did something about it.Shivani founded Tala, a smartphone lending app designed to provide access to credit to two billion people who have historically been overlooked by traditional financial institutions.Taking advantage of increasing mobile phone use in emerging markets, the Tala app uses behavioral data on the phone – texting, merchant history, overall app usage – to build a credit profile.Based on the aggregated information, algorithms evaluate individual risk and provide instant loans to customers.

When Shivani Siroya founded Tala, she had a simple mission: To help overcome the barrier to accessing credit lines that people in developing economies face. Enter Tala, a finance and technology company that provides microloans and other financial services via its mobile app to people in countries like Kenya, Mexico, and the Philippines. And with billions of people around the world without a readily accessible “financial identity,” Tala has quickly grown from a small team of 4 to an international company with more than 500 employees. In this episode, Girlboss COO Neha Gandhi chats with Siroya about how she scaled Tala into an international team who work with a shared sense of purpose. You'll learn why Tala gives out “peer bonuses,” why competition is a good thing, and why a little obsession readies you for success.To learn more about Tala, go to--> https://tala.co/ Keep up to date with Shivani Siroya on Twitter by following her at --> https://twitter.com/shivsiroya

When Shivani Siroya founded Tala, she had a simple mission: To help overcome the barrier to accessing credit lines that people in developing economies face. Enter Tala, a finance and technology company that provides microloans and other financial services via its mobile app to people in countries like Kenya, Mexico, and the Philippines. And with billions of people around the world without a readily accessible “financial identity,” Tala has quickly grown from a small team of 4 to an international company with more than 500 employees. In this episode, Girlboss COO Neha Gandhi chats with Siroya about how she scaled Tala into an international team who work with a shared sense of purpose. You'll learn why Tala gives out “peer bonuses,” why competition is a good thing, and why a little obsession readies you for success.To learn more about Tala, go to--> https://tala.co/ Keep up to date with Shivani Siroya on Twitter by following her at --> https://twitter.com/shivsiroya

Shivani Siroya, Founder & CEO of Tala, speaks with Eniac Ventures’ Nihal Mehta about her journey from finance to entrepreneurship, and now a CEO of a fast-growth company with more than 270 employees across 5 countries and $100M in venture funding. Tala is a mission-driven tech company opening financial access across emerging markets. Working for the UN Population Fund across Africa, Shivani saw the lack of access available to millions of people firsthand and started working on ways to solve the problem. Less than 5 years later, she had attracted some of the biggest names in venture capital, such as Chris Saca and Steve Case, and now has landed the support of financial giants including PayPal. In this episode, Shivani talks about the inception of Tala and how it was born to close the huge financial access gap from traditional banking practices. She warns founders to not focus on name brand funds, but shares advice on staying true to your vision and focus on what you are solving and the opportunity will follow. Shivani speaks about the challenges of hiring and finding the right people who can bring diverse viewpoints, but share Tala’s vision, as well as her responsibility for ensuring the workplace is not only diverse but an environment that is equitable and gives everyone the opportunity to succeed. She also speaks to how she manages time, the importance of her CEO letters and why she holds a weekly AMA. Send comments to seedtoscale@eniac.vc and tweet us @seedtoscale.

We've got some of the best content from Money20/20 USA for you this week. With six interviews from some of the biggest names in the industry: Omer Ismail, Head of Goldman Sachs US Consumer Business (Marcus) Jason Gardner, CEO of Marqueta Shivani Siroya, CEO of Tala John Hope Bryant, CEO of Operation Hope, Promise Homes and Bryant Group Ventures Nicolas Kopp, US CEO of N26 Rilla Delorier, Chief Strategy Officer of Umqua Bank We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really loved it, please leave us a review, we love reading them! This episode was produced by Laura Watkins and edited by Michael Bailey. Special Guests: Jason Gardner, John Hope Bryant, Nicolas Kopp, Omer Ismail, Rilla Delorier, and Shivani Siroya.

Shivani Siroya is the Founder and CEO of Tala, a global leader in mobile-first financial services for underserved consumers.

Hey everyone, in today’s episode, I share the mic with Shivani Siroya, CEO and founder of Tala, a mobile app that is revolutionizing the way that people access financial services. Shivani is also a TED speaker where she’s discussed the smart loans that people can take without having any credit history. Listen as Shivani walks us through how Tala analyzes desirable customers from the info on their mobile device in less than 2 minutes, why they've dispersed funds to 1 million global customers but not in the U.S., and the pros and cons of building an internationally remote team. Click here for show notes and transcript. Leave Some Feedback: What should I talk about next? Who should I interview? Please let me know on Twitter or in the comments below. Did you enjoy this episode? If so, leave a short review here. Subscribe to Growth Everywhere on iTunes. Get the non-iTunes RSS feed  Connect With Eric Siu: Growth Everywhere Single Grain Twitter @ericosiu

In this 3rd episode of Focus on the Founder, Shivani Siroya the Founder and CEO of Tala joins us to discuss her experience growing Tala and the challenges and opportunities of bringing financial services to the unbanked.

Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

I am truly fascinated by the work that many companies are doing in the developing world. The challenges are greater but in many ways the rewards can be greater as well. Certainly, when an innovative company creates a successful operation in the developing world the impact on society can be profound. Our next guest on […] The post Podcast 113: Shivani Siroya of Tala appeared first on Lend Academy.

I am truly fascinated by the work that many companies are doing in the developing world. The challenges are greater but in many ways the rewards can be greater as well. Certainly, when an innovative company creates a successful operation in the developing world the impact on society can be profound. Our next guest on […] The post Podcast 113: Shivani Siroya of Tala appeared first on Lend Academy.

In this podcast I interview Shivani Siroya, CEO and Founder of Tala (formerly InVenture), a mobile tech company that provides credit scoring and accounting tools for emerging markets.

Shivani Siroya, CEO and Founder of Inventure, teaches us to find the human story in data and how a mission can give a voice to billions of people in emerging markets.

The Power of Visibility: Shivani Siroya on Inventure and the Emerging Middle Class   The planets aligned and I had the opportunity to speak with a woman in high demand and nearly constant motion: Shivani Siroya, founder and CEO of InVenture. We discussed the emerging middle class, the secret sauce of context in our daily lives, and the frustration and fantasy that gave her the idea for this brave new world of data science and quality of life.   The process that led Shivani to create InVenture - what she describes as mobile technology and data science company - was an organic one. Raised in both India and the US, she always had a sense that the people around her, regardless of geography or means, were equal. As a part of her work for the UN Population Fund, she spoke with over 4500 individuals in 9 distinct markets, and this deep dive only broadened her concept of value when it came to people and their businesses. The more she spoke with people, the more she realized that banks have a massive blind spot when it comes to determining lendability: they didn’t see their prospective customers’ daily lives, or how they interacted with the world around them. In her own words, “We needed to create a system for financial services that put people on a level playing field.” Thus, InVenture was born.   InVenture allows members of the emerging middle class in developing nations to forgo the dusty old school FICO type score and apply for loans and credit directly via their smartphones. Not only that, but the decision takes only a handful of minutes - and if consumers are denied, they are given insights as to how to improve their “score.” InVenture determines a person’s lendability by comparing their answers on a short questionnaire to the mobile data gleaned from their smartphones, and within moments someone who was once invisible to banking institutions is now able to make purchases for their business or even pay to attend school. By using this technology to uncover previously obscured data points, the InVenture team aren’t just providing consumers with money - they’re giving people unprecedented access to a chance at improving their quality of life.   Join us as we delve into this massive onramp for the emerging middle class, visibility as a superpower, data privacy, and the future of InVenture. Will citizens of the world soon be using their smartphones to prove their lendability? Shivani firmly believes that fresh relevant data, rather than a static snapshot is a more accurate reflection of that person. “Our ability to see that, as a company, is our value.”   Shivani LInkedIn Shivani Twitter Shivani TED profile Inventure site   For more visit: instigating.co Production: www.moondogmarketing.com

신뢰: 어떻게 얻으십니까? 은행들은, 신용기록을 통해 당신이 믿음직스러운지를 판단합니다. 하지만 세계에는 약 25억명정도의 사람들이 신용기록조차없고-- 그들은 사업을 시작하고, 집을 사고, 삶을 향상시키기 위한 대출을 받지 못합니다. 시바니 시로야의 TED강연을 통해, 그녀가 어떻게 아무도 건드리지 않았던 새로운 소비시장, 모바일 데이터를 통해 개인의 금융정체성을 찾아주는 방식을 개발해 내었는지 들어봅시다. "신용등급이라는 아주 간단한것으로 우리는 사람들이 그들만의 미래를 개척해나갈 수 있도록 힘을줍니다" 라고 시로야가 말했습니다.

La confiance : comment la mériter ? Les banques utilisent les cotes de crédit pour déterminer si vous êtes digne de confiance mais il y a 2,5 milliards de personnes dans le monde qui n'en ont pas -- et qui ne peuvent obtenir de crédit pour lancer leur entreprise, acheter une maison ou améliorer leurs conditions de vie. Écoutez comment Shivani Siroya, une TED Fellow, débloque un pouvoir d'achat d'inexploité dans le monde en voie de développement grâce à InVenture, une start-up qui utilise les données mobiles pour construire une identité financière. « Avec quelque chose d'aussi simple qu'une cote de crédit, dit Siroya, nous donnons aux gens le pouvoir de construire leur propre avenir. »

Vertrauen: Wie verdient man es? Banken benutzen Kreditscores um zu ermitteln, ob man vertrauenswürdig ist. Aber es gibt ungefähr 2,5 Milliarden Menschen auf der Welt, die keinen Kreditscore besitzen – und die keinen Kredit bekommen können, um ein Unternehmen zu gründen, ein Haus zu kaufen oder ihr Leben auf andere Weise zu verbessern. TEDFellow Shivani Siroya erzählt wie "InVenture", ein Start-Up, das mit mobilen Daten eine finanzielle Identität kreiert, die unerschlossene Kaufkraft in den Entwicklungsländer entfesselt. "Mit etwas so einfachem wie einem Kreditscore", so Siroya, "geben wir Menschen die Fähigkeit, ihre eigene Zukunft zu erschaffen."

Confiança: como se conquista? Os bancos usam perfis de crédito para determinar se você é confiável, mas há por volta de 2,5 bilhões de pessoas ao redor do mundo que não possuem um perfil para começar, e que não podem conseguir um empréstimo para iniciar um negócio, comprar uma casa ou de outro modo melhorar suas vidas. Ouça como a bolsista do TED Shivani Siroya está desbloqueando o poder de compra inexplorado no mundo em desenvolvimento com a InVenture, uma empresa startup que usa dados de uso do celular para criar uma identidade financeira. "Com algo tão simples como um perfil de crédito," diz Siroya, "estamos dando às pessoas o poder de construir seu futuro."

Confianza: ¿Cómo se gana? Los bancos usan las calificaciones crediticias para determinar si uno es digno de confianza, pero unos 2500 millones de personas en el mundo que no tienen esa credibilidad para empezar; y no pueden conseguir un préstamo para iniciar un negocio, comprar una casa o mejorar sus vidas de alguna otra forma. Escucha cómo la Becaria TED Shivani Siroya desata el poder adquisitivo sin explotar en el mundo en desarrollo con InVenture, una empresa nueva que usa datos móviles para crear una identidad financiera. "Con algo tan simple como una calificación crediticia", dice Siroya, "estamos dando a la gente el poder para construir su propio futuro".

Trust: How do you earn it? Banks use credit scores to determine if you're trustworthy, but there are about 2.5 billion people around the world who don't have one to begin with -- and who can't get a loan to start a business, buy a home or otherwise improve their lives. Hear how TED Fellow Shivani Siroya is unlocking untapped purchasing power in the developing world with InVenture, a start-up that uses mobile data to create a financial identity. "With something as simple as a credit score," says Siroya, "we're giving people the power to build their own futures."

Chase, Jenna and Shivani Siroya discuss InVenture, the first global credit scoring company utilizing mobile technology to unlock financial access for all.