SUCCESS Magazine Features Kristy Kim and the Story Behind TomoCredit

As a first-generation Korean immigrant and UC Berkeley graduate, Kristy had worked hard to build her future. When she tried to buy her first car after college, she discovered that her lack of U.S. credit history stood in the way.

Her education, career, and income couldn't tell her full story within the traditional credit system.

Kristy recognized that many others faced similar barriers. Immigrants establishing themselves in a new country, students starting their careers, and people rebuilding their finances could all find themselves struggling to access opportunities.

That experience helped inspire TomoCredit—and a belief that continues to guide us: everyone deserves a chance to have their full financial story understood.

The SUCCESS feature explores how Kristy saw an opportunity to consider a broader picture of financial health, including cash flow and bank account activity.

That perspective remains central to how we build. Understanding our members means understanding how they earn, spend, manage obligations, and work toward their goals.

It also means listening. The article highlights our team's conversations with customers and how their feedback helps shape the tools we develop. The everyday challenges members share give our work its direction.

Today, we're carrying that same commitment forward through TomoIQ, our AI financial assistant designed to help members understand their credit, navigate debt, and make everyday money decisions.

Our ambition is to make personalized financial guidance more accessible to the people who need it—including those who have too often felt overlooked or intimidated by traditional financial services.

We want asking for help to feel approachable. As Kristy told SUCCESS: "We really want to be a place [where] there's no stigma."

We're proud to see her story recognized, and grateful to our members for helping shape what comes next.