Written by Sarah James ·
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Smith brings decades of leadership in financial technology and open banking. As CEO of Finicity, a Mastercard company, he has been instrumental in expanding access to consumer-permissioned financial data across the credit ecosystem. His experience in scaling data-driven platforms and shaping fintech regulation will bring strategic depth to TomoCredit as it accelerates its growth and product innovation.
“We are thrilled to welcome Steve to our board,” said Kristy Kim, CEO and Founder of TomoCredit. “His expertise in financial infrastructure and data accessibility perfectly aligns with our mission to make credit more inclusive. As we scale, Steve's vision and track record will be invaluable in guiding TomoCredit to serve millions more who are overlooked by traditional credit models.”
Steve Smith's appointment comes at a pivotal time for TomoCredit, as the company strengthens its position as a leading personal financial wellness platform. TomoCredit is committed to helping individuals take control of their financial futures by leveraging personal finance data to deliver smarter, more inclusive tools for credit building and money management. By focusing on the financial behaviors that truly reflect a person's responsibility, like income patterns, spending habits, and payment consistency, TomoCredit empowers thin-file and no-file users to build healthy financial lives, independent of traditional credit systems.
“TomoCredit is at the forefront of solving one of the most urgent financial challenges of our time—credit access,” said Steve Smith. “I'm excited to join this passionate and innovative team. Together, we'll help redefine what credit inclusion looks like in the modern economy.”
Smith joins a board that includes fintech, banking, and consumer advocacy leaders, reinforcing TomoCredit's commitment to building a diverse and high-impact governance team.
TomoCredit's mission to enhance credit accessibility is particularly crucial in a landscape where over 100 million Americans have little to no credit history. Traditional credit scoring models often exclude these individuals, making it difficult for them to secure loans. By focusing on real-time cash flow data and innovative underwriting practices, TomoCredit is paving the way for a more inclusive financial future.
TomoCredit's AI-powered Marketplace and TomoScore earned it the Personal Finance Innovation Award in the 9th Annual FinTech Breakthrough Awards, recognizing its mission of credit inclusion.
Joseph Lindsay, former CTO of Experian Open Banking, joins TomoCredit as Chief Technology Officer to lead the development of its AI Marketplace and expand access to credit for underserved communities.
Back in 2011, there was one and only way to get approved for an auto loan—having a good credit score. As a first generation immigrant, I had no idea what a credit score was, and I didn't have one.
The language used on this page is for creative purposes only. TomoCredit (or TomoBoost) does not guarantee an increase in credit score. Individual results vary based on each person's unique credit history and financial circumstances, and subscription payments are non-refundable.
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