TomoCredit Expands Mission to Bring Personalized Financial Guidance to 120 Million Underserved Americans

SAN FRANCISCO, Oct. 9, 2025 /PRNewswire/ -- TomoCredit, the AI startup dedicated to building a more inclusive credit system, announced today the expansion of its mission to make personalized financial guidance accessible to everyone—especially the 120 million Americans navigating the credit system with no or thin credit histories.

"For too long, personalized financial advice has been treated as a luxury," said Kristy Kim, Founder and CEO of TomoCredit. "At Tomo, we believe every individual—regardless of income level or credit score—deserves access to a personal financial advisor who can help them make smarter money decisions and avoid financial traps."

Over the past six years, TomoCredit has trained a proprietary personalization engine using real insights from more than 20 million unique consumer bank accounts. Contrary to the industry's traditional one-size-fits-all assumptions, Tomo discovered that no-credit and thin-credit consumers represent a diverse group with distinct jobs, income patterns, and spending behaviors. By treating each user as a creditworthy individual, Tomo's technology and TomoScore uncovered a key insight: personalization is essential to serving underserved communities effectively. This data-driven foundation now powers Tomo's expanded mission to bring tailored guidance to those historically left out of the financial system.

The consumer financial landscape is now more complex than ever. While the number of financial products has exploded, access to quality financial guidance has fallen behind—widening both the wealth and knowledge gaps. Too many consumers end up with products that cost them more and keep them financially stuck.

"It's harder than ever to go from rags to riches—not because people lack ambition, but because the financial system has become confusing and inaccessible," Kim said. "Someone might rely on a 30% APR cash advance when they could qualify for a 10% product. The difference isn't creditworthiness; it's knowledge and access to the right guidance."

Traditional financial advisors historically focus on wealth preservation for the already wealthy. TomoCredit is taking a different approach—prioritizing everyday consumers, including immigrants, young adults, and others who have never had access to quality financial education.

"Our advisors are not just for the rich—they're really for the people who need their guidance the most," Kim added. "We focus on building financial confidence and literacy from the ground up. Our goal is to make sure no one is left behind just because they weren't born into the system."

TomoCredit's upcoming personal financial advisor offering will feature multiple pricing tiers to ensure accessibility across income brackets. By blending human empathy with AI-driven insights, the company aims to democratize financial guidance at scale—proving that reducing the wealth gap may be one of AI's most impactful and meaningful use cases.

About TomoCredit

TomoCredit is a San Francisco–based financial technology company on a mission to build a more inclusive credit system. Founded by Kristy Kim, TomoCredit serves millions of consumers who have historically been excluded from traditional credit models. Through proprietary personalization technology and mission-driven innovation, TomoCredit helps individuals build credit, gain financial confidence, and access tailored financial guidance.

For more information, visit www.tomocredit.com.

Media Contact
Jenny Beres
941-993-7222
press@tomocredit.com

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SOURCE TomoCredit