The TomoCredit Blog

Building winning consumer finance applications isn't just about adding AI. It's about creating experiences that help people feel informed, confident, and supported.

From immigrating to the United States at age 11 to building TomoCredit, Kristy Kim reflects on the curiosity, adaptability, and trust that shaped her entrepreneurial journey.

People are asking AI whether to pay off debt or invest, how to build credit, and what a good credit score is. What this shift really says is that consumers want guidance, not more products.

AI cannot magically raise your credit score overnight. But it can help people make better decisions, develop stronger habits, and avoid the mistakes that slow progress.

A three-digit number used to be the whole story. Now consumers want their score to explain itself, show them what to do next, and reflect how they actually manage money — and the industry is starting to catch up.

TomoIQ's upgraded AI-native agent has attracted a fast-growing base of members across free and paid tiers, signaling strong product-market fit for personalized financial guidance.

Crypto has been viewed as a speculative instrument, not a payment mechanism. With the advent of stablecoins, the game has changed—and here's how TomoCredit is solving the payments issue.

As a female, minority, and immigrant founder of a company that employs people across the U.S., I've been angry and sad to read the news that abortion laws are now in jeopardy. Here's what TomoCredit is doing.

We recognize with the ever-changing COVID-19 virus situation that this is an uncertain time for everyone. To lessen the impact, we are waiving required monthly payments for the next two months.

A lack of US credit history meant I was unable to apply for almost all credit cards. After lots of research, I came across Tomo, which was tackling exactly that problem.

Here at Tomo, we know you're not just a credit score. When you sign up today not only can you get approved with no credit history but we are the first card offering up to 20% in cashback.