After 11 years, Tala still isn’t profitable. But it has revamped its technology and developed a new underwriting approach, and it aims to enter six new countries and break even by early 2026. In March 2020, the Covid pandemic was beginning to devastate the finances of consumers in the Philippines. The country's government had imposed what became one of the longest military-enforced lockdowns in the world, making paying bills impossible for many citizens. Across the ocean in Santa Monica, the con...