Wala has built a community-driven and gamified personal financial management tool for cash-based consumers in emerging markets. The product allows users to easily track their spending and earning to develop a financial profile for a customer that currently does not have one. The app then uses that profile to set weekly financial and engagement goals which improve the consumers spending and savings. As users continue to engage with the app by logging their transactions and reaching their goals they will be awarded points which can be redeemed for cash, data, and other rewards. Through the app the user will then be able to sign-up and access financial products like deposit accounts, payments, and more.