Kristy Kim | Source | CEO + Founder at TomoCredit

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Kristy Kim

CEO + Founder at TomoCredit
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Kristy Kim is the CEO and Founder of TomoCredit, a FICO independent credit card that helps immigrants and underserved communities build credit. Built from her own experience as a S.Korean immigrant (and student at UC Berkeley) who was denied a car loan and lease on apartment over 10 times, simply because she was an immigrant without a credit score. Today, Tomo helps underserved Americans get access to the credit they need - and while you don't need a credit score to qualify for a Tomo Card, Tomo does report to all three major credit bureaus to help underserved Americans build the credit they need to thrive.

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  • Fintech VC Kristy Kim: Confidence in Public Exits Amid Economic Uncertainty
    Kristy sees fintechs like Chime pursuing public exits as a sign of confidence in their business models. She plans to invest in compliance-forward blockchain solutions, aligning with regulatory changes. Kristy advises her portfolio companies to focus on efficient growth and profitability, despite market tightness and potential tariffs, emphasizing "disciplined execution and strategic market diversification."
  • Gen Z Credit Card Use: Tailored Products and Financial Literacy Key to Success
    Kristy highlights that fintechs offer low-fee, flexible credit products with educational tools to engage Gen Z. Effective strategies include "real-time education" and gamified learning. Gen Z can balance rewards and debt by treating credit cards as payment tools, prioritizing no-fee cards, and using apps to track spending. Responsible behavior is key to leveraging rewards without overspending.
  • Fed Rate Hikes Drive High Credit Card Interest Rates, Says Finance Expert
    Kristy highlights the Federal Reserve's rate hikes as the main cause of high credit card rates. She states, "Credit card companies maintain high rates to offset delinquency risks." Kristy advises managing credit utilization and timely payments to improve creditworthiness and secure better rates.
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