N te kakauongo ae moan te kakawaki, e kakawaki bwa e kona ni buti te kakauongo bwa te kamani ae aranaki bwa Tala Philippines, ke Tala Financing Philippines Inc., e aki mwakuri n te aba n Kiribati n te tai aio. E aki reke riaki te kabwarabwara, te kaeti n te tua, ke te mwakuri ni butimwaea aomata i Kiribati man te kamani aio. E taekinaki n te reirei aio ana mwakuri n te aba n te Philippines, ae kona n riki bwa te kanoa n reirei are e kona ni kabonganaki ni karokoa ngkai e kona ni mwakuri Tala i Kiribati, ke ni kabonganaaki ni kaekae n ana kanoa te mwane ni buranti n te mobile.
Tala Philippines: Te Kamatantan ao Te Kaeti n Ana Mwakuri (Iraroan te Philippines)
Te Tala Financing Philippines Inc. bon te kamani ni kabwarabwara mwane ni buranti are e mwakuri n te Philippines. E reke ana kabwarabwara n te Philippine Securities and Exchange Commission (SEC) n aron te SEC Registration No. CS201831095. E moanaki n 2018 n te Philippines, bwa ana bwaati te Tala Mobile, Inc. ae ana mataniwi i Santa Monica, USA. E aki buti te kamani aio n te baere ao e kabwarabwaraaki man taian kamani aika bubura n aron PayPal Ventures, Revolution Growth, IVP, ao GV, ni bane ni kabwarabwara ana mwane ni kabongana ao nako n te aonnaba ni bwaati $350 million. E aki reke ana mwakuri ke ana kaeti n te Philippines i Kiribati.
Ana mwakuri te Tala bon te mwane ni buranti n te mobile are e aki buti n te baere ao e kabonganaki te data man te mobile (ana kabongana te smartphone, ana mwakuri ni kaoka te mwane ni buranti) ni kariaia te mwane ni buranti. Ana aomata n te Philippines bon te aomata are e aki reke ana kakukurei man taian bangke ao e buti n te mwane ni buranti ae uareereke ao ni waekoa (man PHP 1,000 nakon PHP 25,000) ni aki buti n te baere ke te baibara n te form. E aki kairaki iroun te kamani aio te mwakuri i Kiribati.
Ana Taian Mwane ni Buranti ao Ana Tangira (Philippines)
E kabwarabwaraaki iroun Tala te mwane ni buranti n te mobile n aron ae kairiaki i aron te Philippines. E aki reke taian mwane ni buranti aikai i Kiribati.
- Taian Mwane ni Buranti:
- Personal Loans: Te mwane ni buranti n te waekoa ni kabongana n te app n te mobile.
- Top-up (Re-loan): Te waekoa ni kakabongana te mwane ni buranti ni karokoa ana kaeti te mwane ae kariaiaaki n te aomata are e kaoka ana mwane ni buranti n te tai ae riai.
- Ana Uareereke ao Ana Kakannato te Mwane ni Buranti: N te Philippines, e reke man PHP 1,000 (ae raka i aon AUD 25) nakon PHP 25,000 (ae raka i aon AUD 600).
- Ana Mwane ni Bubu ao Ana Buka (Philippines):
- Processing Fee: 3.99% nakon 11.99% i aon te principal.
- Service Fee: 0.30% nakon 0.43% n te rae i aon te mwane ae aki kaokaaki.
- APR (Annual Percentage Rate): E bwarabwaraaki n te 15% nakon 325% APR, n ana kanoa te tai ao te buka. E kakawaki bwa e kakannato te APR aio ao e riai n reke te kakauongo ae baka.
- Ana Tai ni Kaoka te Mwane ni Buranti: Man 5 nakon 61 rae, are e kona n rineaki iroun te aomata ae buti n te mwane ni buranti.
- Ana Buka: Man te Processing Fee ao te Service Fee. Ngkana e kure te kaoka mwane, e reke te Extension Fee ae 8% i aon te principal, ao e aki reke te compounding interest.
- Aki Buti n te Baere: E aki buti te Tala n te baere i bukin te mwane ni buranti.
Ana Mwakuri ni Katanna ao Te Kabongana (Philippines)
Ana mwakuri te Tala ni katanna te mwane ni buranti e kairiaki ni kabongana n te mobile n te Philippines, ni aki reke te mwakuri aio i Kiribati.
- Ana Taian Katanna:
- Mobile App: E reke i bukin Android (OS 4.1+) man te Google Play Store. E aki reke te app aio ni kabongana i Kiribati.
- Website: E kabonganaaki n te reirei ao e kaetiaki te katanna n te app.
- Ana Mwakuri ni Kabwarabwara te ID ao Te Onboarding: E butiaki te kabwarabwara te ID n te kariaia n te government (Passport, Drivers License, PhilSys ID, SSS, UMID, Postal, Voters) n te Philippines. E butiaki te selfie ni kabongana n te app. E kona n reke te kariaia n te rae ni mwakuri.
- Credit Scoring ao Underwriting: E kabonganaki te data n te mobile (ana kabongana te app, taian SMS, ana kararoa te aomata) ni kariaia te mwane ni buranti. E kabonganaki te machine learning ni kaeka ni waekoa i aon te mwane ni buranti.
- Ana Taian Kakabwarabwara te Mwane: N te Philippines, e reke te mwane man bank transfer (UnionBank, BPI, EastWest, Security Bank, PSBank), ke mobile money/e-wallet (GCash, Coins.ph), ke cash pick-up (Cebuana Lhuillier, M Lhuillier, Palawan Express). E aki reke taian kabongana aikai i Kiribati.
- Ana Mwakuri ni Kaoka te Mwane: E reke in-app reminders ao SMS. E reke te kakawaki bwa e reke te extension option ni katia te kangaanga. E aki reke te kabwarabwara n te mwakuri ni kaoka te mwane ni kakannato.
Ana App n te Mobile ao Ana Kabongana (Philippines)
Te app n te mobile n te Tala e reke i bukin Android n te Philippines. E aki reke te app n te iOS. Ana rating n te Google Play bon 4.4 man aomata ae raka i aon 250,000. E aki reke te app aio ni kabongana i Kiribati.
- Ana Features Aika Kakawaki:
- Ana rine te aomata n ana tai ni kaoka.
- Ana kona ni karikiriki te mwane ni buranti ngkana e raoiroi ana mwakuri.
- Te kabwarabwara ae reke raoi i aon te buka.
- Ana Website ao Te Internet: Ana website bon tala.ph (i bukin te Philippines). E reke te support portal n talaphilippines.zendesk.com n te FAQ ao te live chat.
- Ana Mwane n te Aomata ao Te Demographics: E raka i aon 12 million ana aomata n te aonnaba n ana mwakuri n 2025. N te Philippines, e raka i aon 1 million ana downloads n 2025. E aki kairaki ana aomata i Kiribati.
Ana Kaeti n te Tua ao Ana Kakamarurung te Aomata (Philippines)
Te Tala Financing Philippines Inc. e reke ana kaeti n te tua n te Philippines, ni aki reke ana kaeti n te tua i Kiribati.
- Licensing Status ao Oversight: E reke ana kabwarabwara n te Philippine SEC. E kairiaki iroun te Bangko Sentral ng Pilipinas bwa te kamani ni kabwarabwara mwane.
- Compliance n Taian Tua: E kairiaki iroun te SEC ao BSP i aon taian tua n te non-bank lenders. E kairiaki te Data Privacy Act n te Philippines.
- Ana Tua n te Kiribati: E aki reke ana kaeti n te tua Tala i Kiribati ao e aki reke te kabwarabwara i aon ana mwakuri n te aba aio.
- Ana Kakamarurung te Aomata: E kabwarabwaraaki te one-time fees ao e aki reke te compounding interest. E kabwarabwaraaki te buka ni kabane i mwaain te kakabwarabwara mwane. E kabonganaki te in-app PIN ao te secure SSL encryption n te app.
Ana Kaitiboo n te Mariki ao Ana Kaabongana (Philippines)
N te Philippines, te Tala e kaitiboo i bukin te digital lenders, n aron te GCash Loan ao Tonik. E reke ana kaitiboo n te mariki ae raka i aon 10% i aon te instant-loan app market n te Philippines. E aki reke ana mwakuri i Kiribati.
- Ana Kaabongana: E reke ana mwane ni buranti i bukin taian business uareereke n te Philippines ni kabongana n te repeat credit ni kabongana n ana inventory. E reke te aomata are e moana ana mwane ni buranti ni karikiriki ana credit history.
- Ana Kiria: E kakawaki n te Philippines te GCash Loan are e kairiaki n te GCash wallet ecosystem, ao te Tonik are te digital neobank. E aki reke taian kiria aikai i Kiribati.
Ana Kaetieti n te Kabongana i Bukin ana Aomata Kiribati
E kakawaki bwa e kakauaki riki bwa te kamani Tala Philippines e aki mwakuri ke e aki reke ana mwakuri n te Kiribati. Te kabwarabwara aio bon te reirei i aon ana mwakuri n te Philippines, ae kona n riki bwa te kanoa n reirei ngkana e kona ni mwakuri te kamani aio i Kiribati, ke i bukin taian kamani aika raka i aon ae kabwarabwara mwane ni buranti. Ngkana e reke te aomata i Kiribati ae e buti n te mwane ni buranti n te digital platform, e kakawaki bwa e riai n riki te kakauongo ae baka.
- Ni Kakauongo Rikiriki n Te Kabwarabwara: E riai n reke te kakauongo ae baka i aon te kabwarabwara nako man te kamani ni kabwarabwara mwane ni buranti. Ni kaotia raoi te buti n te mwane, te tai ni kaoka, ao te buka ni kabane.
- Ni Kaota Rauoi Te Terms ao Te Conditions: Ni baia raoi te terms ao conditions ni kabane i mwaain te buti n te mwane ni buranti. Ni karinerinea te mwane ni bubu, te buka, ao te kangaanga ni kure te kaoka mwane.
- Ni Kakauongo i Aon Te Licensing: N te Kiribati, e riai n reke te kamani ni kabwarabwara mwane n ana kaeti n te tua te government. E riai n reke te kakauongo ngkana te kamani are e kabwarabwara mwane ni buranti e reke ana kaeti n te tua ae riai.
- Ni Kakawaki Te Data Privacy: Ni kakauongo i aon ana kakamarurung te kamani n ana data te aomata. E riai n reke te kabwarabwara i aon te data are e kabonganaki ao ana kakamarurung.
- Ni Kangaanga ngkana e Aki Kaokaaki te Mwane: E riai n reke te kabwarabwara i aon te kangaanga ngkana e aki kaokaaki te mwane ni buranti n te tai ae riai. Ni karinerineia te aomata te buka ni kure ke te kangaanga.
I nanon te tai aio, e aki kona ni kabonganaaki te Tala Philippines iroun ana aomata Kiribati i bukin te mwane ni buranti. Te kabwarabwara aio bon te reirei i aon ana mwakuri n te Philippines, are e kona ni kabonganaaki bwa te kanoa n reirei i bukin taian kamani aika raka i aon are kabwarabwara mwane ni buranti i Kiribati ke ni karinerinea te aomata i aon ana mwakuri te kamani ngkana e kona ni mwakuri i Kiribati n te tai are imwina.
