Fintech Tala Enters Guatemala as Part of Regional Growth Strategy

Tala is moving forward with its regional expansion strategy in Latin America, aiming to address the persistent credit gap that continues to exclude millions of adults from essential financial services despite the widespread adoption of digital wallets.

In September 2025, the fintech regulated by Condusef announced the launch of its operations in Guatemala, with plans to enter additional markets before the end of the year.

Technology-Led Growth Strategy Backed by Global Scale

Tala’s expansion is powered by its proprietary technology and extensive international footprint. The company has reached 12 million customers worldwide and disbursed USD 7 billion in loans across its markets.

Mexico has been its fastest-growing country, with four million customers served over the past eight years, momentum that supports the company’s decision to replicate its model regionally.

“Traditional services still fail to meet the needs of most people. Our goal is to leverage technology to drive digital financial inclusion and open opportunities for populations that have been systematically excluded across the region,” said David Lask, Tala’s Regional Director for Latin America.

Proprietary Infrastructure Enables Multi-Market Deployment

A key competitive differentiator for Tala lies in its vertically integrated infrastructure, which allows the company to scale simultaneously across multiple markets. The platform uses advanced artificial intelligence and alternative data to personalize financial products while bypassing the restrictive criteria common in traditional banking.

This framework goes beyond a standalone lending app. It consolidates technology, operations and market expertise into a centralized infrastructure built upon the company’s learnings and validated growth trajectory in Mexico.

Guatemala as the Starting Point for Regional Expansion

Guatemala is set to become the launchpad for Tala’s next phase of growth in Latin America. The company aims to democratize access to credit for underserved segments, particularly entrepreneurs, informal workers and individuals who need capital to start businesses, manage urgent expenses or pursue financial goals.

Founded in 2014, Tala operates in Latin America, Southeast Asia and East Africa, backed by more than USD 500 million in equity and committed debt. Its machine-learning-driven platform processes unconventional data sources to assess creditworthiness, positioning the fintech as a leading provider of inclusive financial technology in emerging markets.