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