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Kim;; who came to the US from South Korea;; couldn't initially get access to credit despite having a job in investment banking after graduating college. \"I was in my early twenties;; I had a good income;; my job was in investment banking but I could not get approved for anything;;\" Kim told Insider. \"Many young professionals like me;; we deserve an opportunity to be considered but just because we didn't have a Fico;; we weren't given a chance to even apply;;\" she added. Kim started TomoCredit in 2018 to help others like herself gain access to consumer credit. TomoCredit spent three years building an internal algorithm to underwrite customers based on cash flow;; rather than a credit score. The algo uses Mastercard-owned Finicity to access customer's bank-account data. TomoCredit is slated to issue a total of 500;;000 Mastercard credit cards by the end of the year;; Kim said. TomoCredit raised $10 million on Wednesday for its Series A;; bringing its total funding to $17 million. The round was co-led by Kapor Capital and KB Investment;; which is a subsidiary of a South Korean consumer bank;; with participation from Lewis & Clark Ventures. The San Francisco-based fintech's analysis of data from the Consumer Financial Protection Bureau estimates 75% of Gen Z and millennials have not built up a credit history. And about 48.9 million adults were considered underbanked;; meaning they had a checking or savings account but still used alternative financing services;; such as payday loans and auto title loans;; according to 2017 data from the Financial Deposit Insurance Corporation on un- and under-banked households. With the new capital;; Kim is going to double her employee base to 60 people;; with most of the new hires focused in artificial intelligence engineering to beef up the fintech's underwriting algorithm;; she said. A handful of new hires will help flesh out the risk team;; she added. 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