Awaken* newsletter

December 9, 2024

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In this month’s edition of the Awaken* Newsletter, we speak with Kristy Kim, Founder and CEO of TomoCredit, a fintech startup focused on improving access to credit for underserved consumers. By using AI to evaluate real-time cash flow data rather than traditional credit scores, TomoCredit connects consumers with lenders.

Kristy discusses her journey as an immigrant, an Asian female founder, and an entrepreneur working to transform the financial industry. Through her leadership, TomoCredit aims to provide more people with better access to capital and lending opportunities.

Can you start by giving us an overview of your company and what you’re trying to solve?

Kristy Kim: Sure! At TomoCredit, our mission is to bridge the gap between underserved consumers and lenders using AI technology. We are focused on serving individuals who have been left behind by traditional financial systems, especially those without credit scores or with limited credit history.

There are millions of people in the U.S. who are underbanked, and the financial institutions that could potentially help them either don’t have access to their data or don’t understand their risk profile. We leverage AI to evaluate consumers based on their cash flow instead of relying solely on traditional credit scores. This enables us to match these individuals with lenders who are willing to serve them without taking on additional risk. Our platform helps both consumers and lenders—consumers get access to capital, and lenders expand their market in a low-risk way.

What motivated you to start TomoCredit?

As a first-generation immigrant from South Korea, I moved to the U.S. at eleven. In my early twenties, I faced the challenges of building my own credit history. After graduating from UC Berkeley, I worked in investment banking.

Despite having a stable income, I was denied an auto loan five times because I lacked a credit score. This experience highlighted a significant gap in the financial system, where many immigrants, young adults and many other underserved communities are excluded due to the absence of a credit history. After being turned down multiple times, I knew something had to change. I saw that the traditional credit system wasn’t serving millions of people, particularly immigrants, who had the ability to repay but lacked a credit history to prove it.

That experience of being excluded from the financial system really motivated me to find a way to help people like myself access the credit they needed. Determined to address this issue, I founded TomoCredit to provide credit solutions for those who, like me, struggle to access traditional credit avenues.

I wanted to create a system that didn’t rely on traditional credit scores but instead used alternative data, like cash flow, to assess creditworthiness. The idea was to connect underserved consumers to lenders in a way that wouldn’t increase their risk. TomoCredit was born out of this desire to make the financial system more inclusive—so others wouldn’t face the same rejections I did, and would have the chance to access capital and thrive.

As an immigrant founder, have you faced any challenges or biases in fundraising or building relationships with big institutions?

Kristy Kim: Yes, there are definitely challenges that come with being an immigrant founder, and at times, it can feel like an uphill battle. But, interestingly, my background has also played to my advantage.

As an immigrant, I have a unique lens on the problems facing underserved communities. I know firsthand what it’s like to struggle with the traditional credit system. I’ve faced the same barriers that many of our customers face, and that gives me an edge when I’m speaking to financial institutions. I’m able to say, “Look, I know my customers better than anyone else. These people are creditworthy, but they’re being overlooked by the traditional system.”

There is some bias, of course, especially when you’re dealing with legacy institutions, but I think they also recognize that I bring something different to the table—an intimate understanding of the market and the customers they often don’t have access to. Lenders are willing to listen because they know that by partnering with us, they can expand their pool of potential customers without taking on additional risk.

You’ve been in this industry for over five years now. What keeps you motivated despite the challenges you’ve faced?

Kristy Kim: That’s a great question. Honestly, the progress we’ve made keeps me motivated. Every year, I see the interest in our approach growing, and it reinforces that we’re heading in the right direction.

When we first started, it felt like I was an outsider trying to convince traditional financial institutions to embrace an entirely new way of evaluating credit. But now, year after year, we see more and more mainstream players realizing that there’s a huge market for underserved consumers—and that these consumers are creditworthy if we just use the right tools to understand them. It’s exciting to be at the forefront of this change.

For me, it’s not just about building a business—it’s about creating lasting impact. The U.S. consumer credit industry is worth over $4 trillion, and the fact that we are focusing on a largely ignored segment of that market feels like we’re making a real difference. And, of course, as a founder, seeing our technology evolve and improve with time and data is incredibly motivating.

How does your solution differ from other competitors in the market who are also targeting underserved consumers?

Kristy Kim: The key differentiator is that we don’t just rely on traditional credit scores to assess risk.

Our AI model is powered by cash flow data—essentially, we evaluate consumers based on their spending and income patterns, which gives a far more accurate picture of their financial health. Over the past five years, we’ve accumulated a wealth of data that allows us to refine our model, and with every new data point, we get better at underwriting.

Unlike competitors who may be using generic data or building from scratch, we have a more granular understanding of how underserved consumers behave financially. Additionally, the beauty of our system is that we’re not just looking at data from one financial institution—we’re aggregating data from multiple sources. Our customers might have accounts with multiple banks, and that gives us a fuller picture of their financial habits. In comparison, other companies might only have access to data from one bank, which limits their ability to assess risk accurately.

As a founder, what has been the most rewarding part of your journey so far, and what has been the hardest?

Kristy Kim: The most rewarding part has been seeing the validation from both the industry and our customers. When leaders of financial institutions tell me that TomoCredit makes sense, it’s incredibly validating. It’s a feeling of affirmation that, yes, we’re on the right path. But it’s also rewarding to see the real-world impact we’re having on people’s lives. We’ve helped thousands of people access capital who otherwise wouldn’t have had the chance.

On the flip side, the hardest part has been dealing with the mental burden of being a startup founder. When things are going well, it feels like everything is moving at full speed, but when challenges arise—whether it’s fundraising hurdles, market uncertainty, or hiring struggles—the pressure is immense. Unlike larger companies with more resources, startups have less margin for error. It can feel like one wrong move could jeopardize everything, and that can be emotionally exhausting. But it’s in those moments that you really find your resilience, and you learn that, no matter how tough it gets, you have to push forward.

As a seasoned founder, what key lessons from your previous startup experience have you applied to building TomoCredit?

When I launched my first company, I was in my early twenties, full of energy but lacking experience. It was a trial-and-error journey, where I learned a lot, but I quickly realized that having a clear vision and understanding the real impact you want to make is crucial.

Starting TomoCredit was a completely different experience. This time, I approached it with a clear strategy, having learned the importance of tackling a problem that I was personally passionate about. My previous startup experience taught me how to make more strategic decisions, prioritize what matters most, and stay resilient through the inevitable ups and downs of entrepreneurship.

What advice would you give to aspiring founders, particularly those who may be feeling discouraged after a tough year?

Kristy Kim: My advice would be to stay grounded in your purpose and conviction. It’s easy to get distracted by the ups and downs of the startup world, but at the end of the day, your mission should drive you more than the fear of failure or the setbacks you face along the way.

When I first started my company, it wasn’t about just building a business—it was about solving a real problem that I deeply cared about. The passion for the idea needs to be stronger than the fear of failure. Even if things don’t work out the way you hope, you can still be proud knowing that you tried to create something that could have made a real impact.

The most successful founders I know are the ones who are able to maintain a strong sense of purpose, even when it feels like everything is falling apart. If you believe in what you’re doing and are committed to the long-term vision, that will carry you through the hard times.

What are some recent key achievements or milestones that you’re excited to share?

Kristy Kim: Thanks for asking. First, our AI-driven platform continues to help underserved consumers access credit by using cash flow data to connect them with lenders.

We’ve also made significant strides in improving our underwriting capabilities by leveraging years of data to assess creditworthiness more accurately. This year, we paused issuing new credit cards to focus on refining our AI and underwriting technology. While we haven’t issued new cards yet, we’re still accepting customers and offering other financial services. Additionally, our partnerships with larger financial institutions are also growing, with increasing interest from major players. These collaborations are essential to our mission of expanding access to lending for underserved communities.

And lastly, on the team front, we’ve made several key hires, including the former CTO at Experian and the former CEO of LegalZoom. Their expertise in open banking and scaling high-growth companies will help us continue to expand our offerings and further our mission.

Looking ahead, what’s next for TomoCredit?

Kristy Kim: We’re expanding our offering, bringing more lenders into the network, and continuing to refine our AI technology to provide better risk assessments.

We’ve been growing the B2B side of our business over the last year, and we’re seeing significant interest from bigger players in the financial sector. We’re also planning to expand our product offerings to include more types of loans, like auto loans and mortgages, to help more customers get the access they need.

We’re also actively hiring, which is very exciting for us. We’re looking for a talented marketing person to help us build our brand and spread the word about what we’re doing. Our mission is to make financial access easier for everyone, and we’re excited to continue growing and impacting even more lives.


Kristy Kim’s journey proves that determination, a clear vision, and a deep understanding of your market can break through even the toughest barriers. At TomoCredit, she’s not just building a company; she’s seeking to reshape how credit is accessed, especially for those often left behind by traditional systems. Stay tuned for more updates on TomoCredit’s journey, and learn how they’re challenging the status quo while creating new opportunities for underserved communities.

Author: Donna Yu

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ThePhysioRaver

Stories

Physical Therapist’s Making A Difference With A Mission To Keep Ravers Dancing For Until They’re 80 Or Beyond

Meet Joyce Ai, a woman with a passion for two seemingly different things – healing and raving. By day, she’s a physical therapist, helping patients recover from injuries and regain strength. But by night (and on weekends), she transforms into something of a superhero: ThePhysioRaver.

That’s right! Joyce is a hardcore raver, and she’s on a mission to help others in the raving community party safely, including DJs, shufflers, and ravers. With her extensive background in strength and conditioning, Joyce is uniquely qualified to help fellow ravers stay healthy, fit, and injury-free.

Her ultimate goal? To keep herself and other ravers stay in top shape so they can keep dancing until they’re 80, or beyond!

Read through as Joyce dives into her journey, explores her passion for both healing and dancing, and let’s learn how she’s using her skills to make a difference in the world as ThePhysioRaver. So turn up the volume, lace up your dancing shoes, and get ready to rave – Joyce-style!

THE STORY OF ‘THEPHYSIORAVER’

I was born and raised in Guangzhou, China, where I spent most of my childhood before my parents and I immigrated to Canada.

I got into physical therapy because I thought the human body was super interesting. I took a human anatomy dissection course in my first year of college. I was amazed by how all the tissues, fascias, tendons, and ligaments were connected.

I have also always enjoyed being active and staying fit, so physical therapy seemed like the natural pathway for me. As I continue to work in this field, I’ve also discovered that the more fulfilling part of this job is being able to help people and truly make a difference in their lives, which is super meaningful and rewarding. 

WORKING WITH THE RAVING COMMUNITY

What I love the most about working with the raving community is that we share a common culture and love for music. Music and live concerts are a big part of my life. Whenever I go to an event, I know everyone there comes to vibe out, enjoy the music, and take a break from their busy lives. Whenever I encounter a patient in the clinic who is also a raver, we always instantly hit it off and become best friends. Wouldn’t you want to be able to work with all of your best friends?

The most common injuries for ravers are back pain, knee pain, and foot pain. The most common injuries for shufflers are knee pain and ankle pain. The most common injuries for DJs are usually neck, shoulder, jaw, and back pain.

My treatment philosophy is that everything we do is goal oriented. There is a clear end goal in mind, and knowing these individuals’ goals helps me reverse engineer a solution to help them get there. In that way, my job is really cool because what it looks like for every patient is going to be different depending on their personality, their hobbies, their injury history, their demographics, and most importantly their goals and aspirations.

THE ROAD AHEAD FOR ‘THEPHYSIORAVER’

For now, this is a side hustle that I am doing that I eventually want to turn into a full-blown full-time business. I’m currently trying to produce consistent and high-quality educational content to bring more awareness to the importance of health and wellness in the raving community.

I have been connecting to some other accounts with a similar niche to potentially collaborate, and spread more awareness that way. I also plan on being more present in the local community, setting up booths at community events, and shuffle dance competitions to help broadcast my services.

FINDING HER CALLING

The most rewarding aspect of my work is making people feel heard. A lot of the time, the raving community tends to be an underserved community. 

People who get hurt in a mosh pit tend to cover up the real reason they got hurt and tell the doctor something else to save themselves from embarrassment. When asked about goals, people also tend to not list “being able to last through a whole festival” as one of their goals, because most of the time, they will be told off by their doctors or physical therapists to “just don’t go to these festivals”.

Moreover, since I am an avid shuffler myself and have gone through my fair share of shuffling-related aches and pains, I am uniquely equipped to help this community rehab and reach its goals, something that a traditional physical therapist with no shuffling experience is not quite prepared to do. This is why they are always very appreciative when talking to me because I actually listen to their stories, relate to their pain points, and genuinely want to help them get better so they can go raving and dancing all night long. 

The biggest lesson that I gleaned from this experience is to never stop trying and to always take consistent, uncertain action. I had a lot of doubts before launching this business. My inner critic kept telling me “but Joyce, you’re an academic, you’re not a businesswoman, and there is no way you’d be an entrepreneur.” Then, when I finally overcame that obstacle, my inner voice kept saying “you are creating a problem that does not exist. There is a reason why no one has done this yet because ravers, shufflers, and DJs do not need your services”.

It wasn’t until I got my first client that finally these voices were getting smaller. They still pop up from time to time, but I know that I am staying true to myself and my mission. This is corny, but you miss 100% of the shots you don’t take. If I never made the leap to put myself out there, I would have never had the opportunity to work with this population that I have been truly called to serve.

If I never made the leap to put myself out there, I would have never had the opportunity to work with this population that I have been truly called to serve.

-Joyce ai
cw4

Stories

Bay Area Dance School Teaches Students To Embrace Asian Roots, Showcases Culture To NBA Halftime

Christina is a dancer and the studio director of Lisa Performing Arts located in Bay Area. Through her dance performances, she tells stories about Chinese culture, including the ways people live, their mannerisms, and their unique clothing, all while passing down their unique stories from generation to generation.

Christina’s journey has been filled with success and opportunities for her dancers to showcase their Asian American dance styles. They have competed at international competitions, premiered on NBC TV, and performed at various high-caliber events. Most recently, they were given the privilege of performing a halftime show for the NBA Golden State Warriors.

The troupe brought a unique and cultural experience to the game featuring the dynamic handkerchief dance, graceful and fluid movements of the ribbon dance, and intricate lantern dancing. The performance was the first of its kind, featuring “authentic Chinese dance” and a combination of fusion styles they have learned.

Read through as Christina delves deeper into the creative process of choreographing a new dance, her recent performance at the NBA Golden State Warriors halftime show, and the importance of celebrating one’s cultural identity.

BRIDGING THE GAP BETWEEN AMERICAN AND ASIAN CULTURES

Growing up as an Asian American, I experienced a lack of representation of Chinese culture in mainstream American platforms and faced the challenge of reconciling my traditional Chinese culture with the dominant American culture, which often excluded Asian Americans and perpetuated stereotypes.

I found solace in Chinese dance — a beautiful and intricate art form often overlooked in mainstream American platforms. My passion for bridging the gap between American and Asian cultures began when I started learning Chinese dance, which surprised me because not many people knew about it beyond the “lion dance.”

Chinese dance involves advanced technique, beautiful costumes, and a variety of unique dance styles, including Mongolian, Tibetan, Dai, Classical, and more. However, I noticed a lack of appreciation for Chinese dance at school rallies, outside performances, and dance competitions.

As I grew older, I realized that to bridge the gap between American and Asian cultures, I needed to find a way to blend the two in a way that was accessible and appealing to both. I was inspired by the success of Bollywood dance in America and dreamed of Chinese dance becoming just as popular. To achieve this, I realized it was necessary to incorporate elements of mainstream styles such as “contemporary” movements, technique, and storytelling, while adding our own Chinese dance elements such as costuming, music, and style.

I worked to create an “East meets West” fusion style of dance that combined both American and Chinese elements. I hoped to bring together teachers and dancers of both backgrounds to learn and appreciate each other’s styles and create unique fusion styles as Asian Americans.

Through my work in Chinese dance, I have seen a growing interest and appreciation for the art form from people of all ethnicities. I am proud to have helped spread awareness and understanding of Chinese culture and have given a voice to Asian Americans in the performing arts world.

Looking forward, I hope to continue to promote authentic representations of Chinese dance in mainstream media and to build a more diverse and inclusive society by encouraging greater cultural understanding and appreciation. My goal now is to form connections with Hollywood networks to ensure that authentic Chinese dance is portrayed in film and music videos and to prevent cultural appropriation.

I believe that the performing arts provide a universal language through which we can all communicate and that by embracing and celebrating our cultural identities, we can build a more harmonious and united world.

BEING ASIAN IS A STRENGTH, NOT A WEAKNESS

My interest in dance began at a young age. My mother was a professional dancer in China who opened her own dance studio in the US. I was exposed to a variety of dance styles, which allowed me to form strong friendships with people of all ages and backgrounds. Through dance, I not only learned about movement and performance, but also about teamwork, leadership, and resilience.

As I grew older, I became passionate about promoting and showcasing Chinese culture through dance. Chinese dance is a unique and vibrant art form with a rich history and tradition. It has a diverse array of costumes, props, and ethnic styles, as well as stunning technical skills, it was a hidden gem waiting to be shared on a larger platform. I felt that it was important to share this cultural identity with others and to show that being Asian is a strength, not a weakness.

Today, I am proud to say that our studio is well-known and respected in the Bay Area. Through our performances and outreach, we have been able to promote Chinese culture and inspire others to celebrate their own cultural identity.

I felt that it was important to share this cultural identity with others and to show that being Asian is a strength, not a weakness.

-Christina Wang

THE CREATIVE PROCESS

When choreographing a new dance, my creative process starts with considering the group of dancers I’ll be working with for the season. I think about each dancer’s individual strengths and how to create unity among the group. This includes deciding on a dance style that fits the group and identifying which dancers will perform which roles.

I then search for songs that will sound intriguing to the audience and consider modernized versions of traditional Chinese music if possible. Next, I find costumes that are in-season and on-trend to bring a contemporary Chinese feel to the performance. I also draw inspiration from trending technical work and group lifts that can work well with the group, as well as any props we may be using. The movements and facials themselves tell the story, and I choose ethnic styles that reflect the particular cultural traditions we’re exploring.

When creating a production piece, I try to tell a story that is easily understood by the audience. To achieve this, I brainstorm ideas inspired by TV shows, movies, and Chinese folklore that can be given an added twist through the use of props. For example, for our piece “The Legend of Avatar: East meets West,” we used props to tell the story of using Earth’s four elements.

Production pieces are more complex to choreograph, as I need to think about how different sections will mesh, color coordination for costumes, smooth transitions between segments, and how to coordinate rehearsals for a large group of people. I also need to consider which parts of the performance to cut or keep, depending on whether we’re performing for a competition or for a show. It’s a true team effort, with many people involved behind the scenes, including visionaries, teachers, prop makers, parents, costume designers, music editors, and dancers who make the vision come to life.

A PRICELESS MEMORY

The dance troupe’s recent halftime show performance for the NBA Golden State Warriors was a truly special and memorable experience. As the first Chinese dance studio to put on a full dance production at the Chase Center, it was an incredible honor to be able to showcase Chinese culture on such a large platform. While martial arts and lion dance have been featured in the past, Chinese dance had never been given the same opportunity until now.

This milestone not only allowed us to introduce Chinese dance to a wider audience who may not have seen it before, but it also provided a priceless memory for our dancers.

BREAKING DOWN CULTURAL BARRIERS

In addition to positive feedback on our technique and performances, we’ve also received comments on how our troupe’s performances have helped to promote cultural awareness and diversity. 

People have expressed appreciation for the opportunity to learn about Chinese culture through our dances, and many have shared how our performances have inspired them to explore and appreciate their own cultural heritage. We’ve also received word that our performances have helped to break down cultural barriers and build bridges between different communities. It’s all very encouraging and it keeps us motivated to continue doing what we do.

EMBRACING YOUR CULTURAL IDENTITY

For young Asian Americans who may be struggling with their cultural identity, my advice is to embrace your uniqueness and find your community. Don’t be ashamed or embarrassed about your heritage, as it is a valuable part of who you are.

Surround yourself with like-minded individuals who share your values and can help you grow. You can seek out cultural groups or organizations in your area, attend cultural events, or connect with others through social media.

Additionally, try to think outside the box and find creative ways to integrate your cultural identity with what people are already comfortable with, while highlighting the unique aspects of your heritage. 

Finally, don’t be afraid to take risks and pursue your passions, even if they may not fit the mold of traditional expectations. By embracing your cultural identity and celebrating your heritage, you can become stronger and more confident and inspire others to be the same.

Don’t be ashamed or embarrassed about your heritage, as it is a valuable part of who you are.

-Christina wang

VISION FOR THE FUTURE

Looking ahead, my vision for the future of my dance troupe and work in promoting Asian culture is to continue expanding our reach and impact. One of my top goals is to provide more opportunities for our dancers to perform at high-caliber events such as the White House, the Olympics, and major award shows like the Oscars and Grammys.

Beyond these major platforms, I hope to see Chinese dance become a more integrated part of the arts and cultural scene, potentially even becoming part of school curriculums to expose young people to this beautiful art form at a young age.


In the long term, I would love to take our work to the next level by establishing a Chinese American dance studio with a dance-specific talent agency sector, through which casting directors would be able to select dancers who can perform authentic Chinese dance for film, media, and commercials. This would create more opportunities for dancers to showcase their skills and help to further promote and introduce Chinese culture to a bigger audience.

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Stories

How Basketball Is Transforming The Lives Of Underprivileged Chinese Girls Through ‘The Gold Team’

For William Lo, it’s a tool for change. In his non-profit project that aims to help talented underprivileged Chinese girls, he is using basketball to better their lives and further their education.


For Asian girls, pursuing sports like basketball can be challenging. Societal pressures, cultural barriers, and lack of resources often stand in the way of their dreams. In this article, we will explore the barriers that Asian girls face in sports, particularly basketball, and how William Lo’s project is breaking down those barriers, one basket at a time.

BASKETBALL HAS ALWAYS BEEN A BIG PART OF MY LIFE

I was born and raised in Hong Kong until I was 15 years old and went to school in New Jersey. My mother is from New Jersey and my father is from Hong Kong.

Basketball has always been a big part of my life and I was able to play at a Division 3 level. After college, I came back to Hong Kong and started “Strive” — a strength and conditioning facility mainly for basketball players looking to become better athletes. I did that for 6 years and then in 2019, we decided that it was time to expand into basketball training, as well as strength and conditioning to have a holistic training facility where basketball players could do basketball and fitness in one facility. I have been the Managing Director of Strive for almost 10 years.

William Lo

THE GOLD TEAM

Our non-profit project, run by my wife Angela and I, is called “The Gold Team.” It’s a scholarship program where we help mainly talented and underprivileged Chinese girls, starting at ages 13-15, utilize basketball as a vehicle to further their education and better their lives.

We want our girls to be shining examples of what Chinese women are capable of on and off the court. Even if they don’t get the opportunity to play professionally, they could use the lessons they learned in the Gold Team and can move on to the next part of their life.

Gold Team is an elite training program, so we train 6 days per week on the court, 3 strength and conditioning sessions per week, and we also average 1 or more games against older women or boys.

We sign an agreement with all of our players and parents outlining what we will do for the girls and what is expected out of them. We also have a minimum GPA that we expect the girls to keep.

We believe in developing world-class players, students, and citizens at the same time. I take care of the basketball and training part, my wife Angela who was a much better student than I, monitors their grades closely. 

We want our girls to be shining examples of what Chinese women are capable of on and off the court.

William lo

CHALLENGES AND BARRIERS TO BECOME A SERIOUS ATHLETE

A lot of the challenges we see come from parents not understanding the point of why someone would want to become a serious athlete. I constantly hear “You can’t make a living on it so why spend so much time on it?” This is very common in our society and a lot of people do not see the value of how sports add value to a kid’s life mentally, emotionally and of course physically.

Another objection that I get a lot is the unwillingness to look outside of Hong Kong for bigger possibilities for basketball. Since there is a significant portion of Hong Kong people that have never traveled outside of Asia, they may not be aware of the possibilities of sports scholarships in countries such as the US, Canada, or Australia. I’m hoping that as we get more and more girls opportunities to play in the NCAA and other countries, this will change.

THE ROAD TO CHANGING ONE PLAYER’S LIFE FOREVER

Yannie Chan, who won Conference Player of the Year, is the first locally schooled Hong Kong girl in our city’s history to play in the NCAA, so that alone instilled a lot of hope for girls in our city. There will be more coming out of our program in the coming years!

In the classroom, we also have a girl who is now one of our best players — I got her when she was 13, she had a terrible track record at school and was ready to drop out and become a part-time waitress. I told her that in order to join the Gold Team she had to have a certain GPA. She immediately went to her teacher the next day and asked for tutoring, which left her teacher in shock! She has gone from a 2.5 GPA to a 3.4 GPA in 2 years. Now she has opportunities to play at prep school level in America. Her family is on government subsidies and now she is on the road to changing her life forever.

SKY’S THE LIMIT FOR CHINESE WOMEN ATHLETES

Men are often the first priority over women when it comes to sports. This is true, especially in our part of the world. However, after years of observation, I am very bullish on Chinese women’s sports. We have some of the best athletes in the world and girls who can compete with any country. Chinese women in the world cup are a perfect example coming in second after the US. I believe that if given the right opportunity, time, and love, the sky’s the limit for Chinese women athletes.

I want to also prove to parents that sports do, in fact, have a lot of value in the development of kids. Putting your sole focus only on studying is definitely not the way to developing a well-rounded adult in the future. If you are a great athlete and a great student, it opens up a lot more doors for you than only being good in the classroom.

Finally, as an Asian basketball player, I was not given a lot of respect just because of the color of my skin. Basketball in America is not an Asian-dominated sport and we need to be extra tough and extra skilled in order to earn that respect, which I’m totally fine with. I want to make a statement to the world that Asian players, when given the opportunity, can be just as good as anyone anywhere in the world. I firmly believe that.

Asian players, when given the opportunity, can be just as good as anyone anywhere in the world.

William lo

THE GOAL TO SHOOT FOR SUCCESS

My goal is to be able to travel with the girls multiple times per year around the world so that they can play against different competitions, learn about different cultures and see the world.

This June, My wife and I raised around 40-45,000 USD to sponsor 9 girls to come to the US and play on the AAU circuit (Amateur Athletic Union). Hopefully, with this trip many of our girls will be recruited to play in college.

SPREAD THE WORD

We are trying to change Asian sports and if you have any interest in knowing more you can contact me anytime. william@strivefitnesshk.com

Website: www.strivefitnsshk.com

Instagram: @willvlo

nathan

Stories

After Being An Educator For 17 years, Professor Switches Career As A Creative Writer For DC Comics

Nathaniel “Nathan” Cayanan is a Filipino-American currently working as a lecturer at Cal State Fullerton part-time, where he teaches business communication. He has been teaching English composition and academic writing for almost a decade and has been in education for 17 years, 8 of those years in college. He studied creative writing and screenwriting at USC and earned a master’s in writing because he wanted to be a filmmaker, but found himself teaching English comp – which he loved for a time.

On a whim last year, Nathan applied for DC Comics Milestone Initiative, a talent development program created in partnership with groundbreaking publisher Milestone Media and Ally Financial for marginalized writers and artists who want to break into the industry. It was highly competitive, but, somehow, the story he wrote for the application caught their eye, and he was officially accepted into their inaugural class. He took part in a program that mentored them as they tried to advance in the comic book industry.

He’s putting more effort into his creative career, not only writing some comics or graphic novels but drawing too. Now, he will be making his DC Comics debut as a writer. His story features the superhero Icon during the Cambodian Civil War.

With his first story to release in just a few months, Nathan’s career is on the rise. But how did he get to this point? Let’s explore the decisions and experiences that brought him here.

I APPLIED BELIEVING THAT I WOULD FAIL

I’ve always loved stories, be they in movies, books, or comics. I have read comics ever since I was about eight years old, my first comic being Batman #416. I watched movies as much as I could growing up, falling in love with not only the stories, but also the craft of telling them. 

I studied creative writing and screenwriting, but as most people know, it’s not a career rife with opportunities, so I found a day job teaching while I tried to develop my creative career. But teaching was a job that took a lot of time and energy, so the amount of effort into my writing career was relatively low. I loved teaching, so I was okay with this for a while, especially since I constantly got rejections for stories I wrote. In short, I settled.

However, about 5-6 years into my college teaching career, I started to feel pigeonholed. Despite earning stellar reviews and even winning Teacher of the Year in 2018, I wasn’t getting consistent opportunities. I was passed up for full-time positions several times. And even though it’s common for adjuncts to make up for a lack of full-time work by finding employment at multiple colleges, many community colleges would not hire me to teach part-time despite me having more experience and qualifications than other candidates they did hire.

So, I realized I needed to let go of this career and go back to school in 2019 for something more practical and get an MBA to pursue opportunities outside higher ed. My logic was that I would continue to teach part-time at only one school and leave my admin job at another school, while I went to graduate school (again).

Then the pandemic happened, and I started to also lose some of the classes at that school because of low enrollment and cut hours. Simultaneously, while I was doing well in my business program (I was earning a 4.0 at the time), I was a bit depressed. The world was collapsing, people were just very unpleasant, student-teacher dynamics changed, and I felt like a failure in TWO careers I pursued.

I applied for the Milestone Initiative, thinking that I’m going to just go work in an office if I give up my passions completely, so I might as well make one last effort and “die trying,” knowing that I fought until the bitter end. I actually applied believing that I would fail and that I just needed one more rejection letter to make it official. But, instead, I was accepted, and that really changed things moving forward.

The world was collapsing, people were just very unpleasant, student-teacher dynamics changed, and I felt like a failure in TWO careers I pursued.

nathan cayanan

CREATIVE INFLUENCES

I have so many creative influences. In film, there are Wong Kar Wai, Christopher Nolan, Quentin Tarantino, Martin Scorsese, and Aaron Sorkin.

If we’re talking literature: Haruki Marakami, Juno Diaz, Amy Tan, Lan Samantha Chang, Edgar Allan Poe, Cormac McCarthy. Comics, Tom King (who was my mentor in the Milestone Initiative), Scott Snyder, Jim Lee, Alan Moore, and Frank Miller. I mean, this list can go on and on, and they all have different influences on my creative voice and eye.

Digital illustration of Sugar Pie DeSant, Filipina jazz singer in the mid-1900s. Drawn by Nathan Cayanan. Colors by Lala Narita.

CHALLENGES OF TRANSITIONING INTO THE CAREER

Most of my work so far is indie and still in the process of being made. I have one comic I’m writing and drawing and any money I get will come after it’s printed, and assuming that it sells enough.

Similarly, I have a graphic novel I’m writing, and an artist is drawing it, and we’ve been offered the opportunity to publish it when it’s finished, but we won’t see a dime until we see units sold in the future. This is why many of us have day jobs. I still teach, just less than I did, and only at a university closer to home. But we do this because we love the art of telling stories.

Drawn by Nathan Cayanan: Ninoy Aquino, a Filipino politician who was assassinated during Ferdinand Marcos’ rule in the Philippines. This illustration depicts Aquino and his wife, future president Cory Aquino, when they lived in Boston, after he was exiled for standing against Marcos.

ADVICE FOR ASPIRING WRITERS OR ARTISTS

It’s not easy, and I think admitting that first is important. Too many young aspiring artists ask for advice, but what I feel like they’re asking is how they make this a career where the opportunities are plentiful, the money is endless, they can do it only from 9-to-5, get a 401K, and feel happy 24/7.

Every person I’ve met in the creative world (especially in comics) has said the same thing. It’s a grind. But, if you love the art, I mean genuinely love it (as opposed to the potential for fame and money), then go for it. But, as many writers and artists have told me, 90% of us have a day job. So, prepare to work, even if you make it. And even when you do, enjoy it, because it may not last.

Also, while it may not feel like it should be important, your ability to work and communicate with others is highly important. VERY few people are talented enough to never have to interact with others. Instead, most must be able to work with each other.

Editors have told me that they don’t care if you’re talented. If you’re not professional, no one’s going to give you the opportunity, especially if you’re rude, always late, flakey, or overly stubborn. You don’t have to be the life of the party or admired by the masses. But surely, you have to be reliable and don’t be a d*&k. 

Drawn by Nathan Cayanan: “It just speaks to the times as we see Asian hate crimes on the rise.”

Website: nathanielcayanan.com

Instagram: @nathan_a.k.a