Shivani Siroya started Tala not because she wanted to build a company, but because one problem consumed her thoughts: 4 billion people were excluded from the traditional banking system and lacked access to essential financial tools to help them use, protect, and grow their money. After conducting over 3,500 interviews with micro-entrepreneurs globally during her time at the UN Population Fund, she witnessed firsthand the vast purchasing power overlooked by traditional financial institutions. So in 2011, she founded Tala, the first holistic financial platform designed uniquely for the global majority. Today, Tala is responsible for originating over $5 billion in credit access to a population that was previously blocked from traditional banking resources. Shivani shares how she reimagined traditional credit underwriting to serve a new population, why user experience needs to be at the heart of product development, and how Tala gained the trust of a population that was traditionally turned away.