Advancing ASEAN and beyond
Founded in 2016, Advance Intelligence Group consists of two main arms: its consumer business, Atome Financial, is Southeast Asia’s leading digital finance platform while the Group's B2B arm is ADVANCE.AI, the region's leading provider of digital identity verification, KYC/KYB, risk management and credit information services.
Together, they enable fairer access to credit and financial services for underserved consumers and businesses in ASEAN and beyond.
Advance Intelligence Group ecosystem
To be an AI-native financial and data platform, enabling easy and fair access to financial products and services for everyone.
ecosystem
Our clients and partners
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Strength in numbers
Applying our technology to companies and communities
300+
Enterprise clients
240,000+
Merchants
50M+
Users
The unfolding of our journey
Milestones
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Taking the leap
ADVANCE.AI registers our business operations in Singapore.
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Be part of the Advance revolution
Demand a better future for yourself
We’re the kind of company where diverse minds gather,
dedicated to the values that foster creativity and accelerate innovation, leading to exceptional work.
Here, you’ll do more than just a job–you’ll make a difference.
View all open roles
News and announcements
Read all about it
Atome
June 8, 2025
Atome secures USD $75M asset-backed facility from Lending Ark to expand financial access in the Philippines
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Manila Bulletin
June 2, 2025
Philippine, South Korean firms partner to share credit data for OFWs
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Tech In Asia
February 24, 2025
Temu partners with Atome for flexible payments in Malaysia
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Atome
February 24, 2025
Temu partners Atome for flexible payment checkout in Malaysia
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Atome Financial
February 11, 2025
Atome Financial welcomes BlackRock Private Credit, InnoVen Capital in US$80M credit facility
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Reuters
February 11, 2025
Atome Financial secures BlackRock, InnoVen in $80 million credit facility
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Atome Financial
November 19, 2024
Atome Financial Secures Up to US$200M Syndicated Facility to Support Financial Inclusion in Southeast Asia
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Deal Street Asia
November 19, 2024
Atome bags $200m syndicated credit facility from HSBC, others
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Technode
November 19, 2024
Singapore's Atome Financial secures up to $200M syndicated facility to support financial inclusion in Southeast Asia
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INQUIRER.NET
October 23, 2024
ADVANCE.AI’s CBP obtains $4 million from Archipelago Capital
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THE STRAITS TIMES
September 24, 2024
21 Singapore companies on inaugural list of Asean’s 30 top tech start-ups
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Advance Intelligence Group
September 23, 2024
Advance Intelligence Group listed among Southeast Asia’s top high growth tech companies
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Fintech News
August 18, 2024
Advance Intelligence Group listed in top 20 FinTech startups in Singapore
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ADVANCE.AI
August 12, 2024
Credit Information Corporation (CIC), ADVANCE.AI sign agreement to launch credit bureau in the Philippines
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Biometrics News
August 3, 2024
Advance.AI improves KYB services for credit bureau services
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ADVANCE.AI
July 31, 2024
ADVANCE.AI enhances KYB verification service to streamline corporate due diligence in S’pore, Malaysia
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Fintech News
July 22, 2024
Advance Intelligence Group listed in top 20 FinTech startups in Singapore
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The Star
July 22, 2024
Singapore’s ‘buy now, pay later’ plans see uplift in sales
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Business World
June 25, 2024
Atome secures debt facility to launch new products in PHL, Southeast Asia
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Atome Financial
June 24, 2024
Atome Financial secures growth debt facility from EvolutionX to drive profitable expansion in Southeast Asia
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The Straits Times
June 24, 2024
Atome Financial gets up to $135m debt facility from EvolutionX and other investors
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Manila Standard
May 15, 2024
Fast-growing fintech Skyro taps ADVANCE.AI for simpler, safer financial access in PH
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Fintech News SG
May 13, 2024
Atome’s BNPL Payment Option Now Available on Taobao Singapore
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Tech In Asia
April 23, 2024
Atome Financial logs EBITDA profit in Q1 amid BNPL growth
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Atome Financial
April 22, 2024
Atome Financial’s full-year operating income doubles to US$170M in 2023, turns profitable in Q1 2024
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Atome
March 19, 2024
Chubb and Atome announce regional partnership to drive consumer protection across Southeast Asia
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Business World
February 21, 2024
Atome partners with Mastercard for game credits offer
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Fintech News Singapore
January 29, 2024
Dennis Martin Joins ADVANCE.AI as Credit Reporting CEO
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ADVANCE.AI
November 22, 2023
Singapore start-up ADVANCE.AI wins top award at Singapore FinTech Festival
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Kredit Pintar
November 20, 2023
PT Kredit Pintar Indonesia Collaborates with PT Atome Finance Indonesia Building a School Library at SMP Wee Wella, Sumba, East Nusa Tenggara
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Fintech News Singapore
November 16, 2023
MAS announces 2023 Global Fintech Award winners; ADVANCE.AI wins ASEAN Fintech
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The Straits Times
November 8, 2023
Six ‘buy now, pay later’ providers on track to get accredited in S’pore
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CNBC
September 25, 2023
Advance Intelligence Group Named One of the Top Start-ups 2023
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The Straits Times
September 1, 2023
Atome, ShopBack on track to get ‘buy now, pay later’ accreditation in S’pore by early next year
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VOI
August 29, 2023
Take AI, Bank Jago And ADVANCE.AI Transformation Of Customer Registration With EKYC Solutions
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Atome Financial
August 15, 2023
Atome Financial expands partnership with HSBC to support Philippines, new consumer financing products
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TECHNODE GLOBAL
August 15, 2023
ATOME RENEWS $100M DEBT FACILITY WITH HSBC SINGAPORE FOR PHILIPPINE MARKET EXPANSION
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Atome Financial
August 14, 2023
Atome Financial expands partnership with HSBC to support Philippines, new consumer financing products
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Atome
July 19, 2023
Atome partners TikTok Shop to drive e-commerce growth in Malaysia
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CNBC
July 19, 2023
TikTok Shop strikes ‘buy now, pay later’ partnership in Malaysia as part of e-commerce push
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Atome
July 4, 2023
Standard Chartered and Atome announce first-of-its-kind partnership in Singapore, expanding financial access and inclusivity
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Fintech News
July 4, 2023
StanChart and Atome Form First-Of-Its-Kind Lender of Record Partnership
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Fintech News Singapore
May 23, 2023
Atome’s BNPL Payment Option Now Available for Amazon Singapore Shoppers
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Advance Intelligence Group
May 22, 2023
Atome partners with Amazon to offer deferred payment option during checkout in Singapore
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Advance Intelligence Group
May 2, 2023
Singapore’s tech unicorn Advance Intelligence Group raises USD80M
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MANILA BULLETIN
March 29, 2023
DigiCOOP partners with ADVANCE.AI to boost digital and financial inclusion in the country
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ADVANCE.AI
March 27, 2023
DigiCOOP partners with ADVANCE.AI to boost digital and financial inclusion in the Philippines
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Business Mirror
March 18, 2023
Suyen launches Atome buy now pay later across 600+ physical stores in PHL
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Business Mirror
March 18, 2023
Suyen launches Atome buy now pay later across 600+ physical stores in PHL
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ABS-CBN News
February 7, 2023
Pay up to 12 months? BNPL player Atome eyes extending payments scheme
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E27
February 3, 2023
Key cyber fraud trends to look out for in 2023
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The Paypers
February 3, 2023
Alternative Airlines partners Atome for flexible payments in Asia
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Technode Global
January 9, 2023
Top digital security and fraud trends in Southeast Asia for 2023
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Fintech News
January 3, 2023
How Payment Trends Are Set to Evolve Across Asia in 2023
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Marketing Interactive
December 15, 2022
Watsons expands Atome partnership to Philippines
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The Edge Markets
December 12, 2022
Q&A: Trade safely in the cryptocurrency world
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The Manila Times
December 3, 2022
Shop smart this Christmas Season with Atome's Buy Now, Pay Later offering
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Fintechnews Singapore
November 8, 2022
Trip.com Partners Atome for BNPL Payments in APAC
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The Paypers
November 2, 2022
Airwallex Atome enable BNPL payments for merchants in the APAC region
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Techwire Asia
October 26, 2022
AI and fintech to boost financial inclusion in Thailand
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Finextra
October 24, 2022
Thailand's Monix taps Advance.AI to offer mobile micro-loans to consumers
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The Straits Times
October 21, 2022
New ‘buy now, pay later’ code of conduct: Customers cannot have over $2k in outstanding payments
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Manila Bulletin
October 10, 2022
Digital Pilipinas Festival gears towards an anti-fragile system in the country, ASEAN
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Manila Bulletin
October 9, 2022
Digital Pilipinas showcases the country as soft haven for global innovators
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Fintechnews Singapore
October 4, 2022
ADVANCE.AI Ties up With Visa to Enhance Its Credit Decisioning Services
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Digital Journal
August 31, 2022
Crypto Exchange Platform Coinut Partners ADVANCE.AI to Scale Global User Growth
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Manila Times
August 20, 2022
Atome launches Atome Card in Philippines with Master Card
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Atome
August 19, 2022
Atome and Mastercard launch Atome Card in the Philippines providing a new way for Filipino consumers to pay with credit
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Marketing Interactive
August 18, 2022
Atome launches fashion magazine featuring everyday fashionistas
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Advance Intelligence Group
August 12, 2022
Atome Financial, HSBC Singapore seal USD100M debt facility
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The Business Times
August 11, 2022
Atome Financial enters into US$100m debt facility with HSBC
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TheEdgeMarkets
August 8, 2022
Commentary: Digital banks more attractive since pandemic
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The Edge Malaysia
August 8, 2022
Commentary: Digital banks more attractive since pandemic
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Manila Bulletin
August 5, 2022
Advance.AI Mike Calma: Positioning PH as Asia’s AI hub
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L'Officiel Malaysia
July 26, 2022
Atome wants you to Own Your Expression
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The Manila Times
July 22, 2022
Michael Calma sees the rapid development of technology making a huge impact on our lives
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Technode Global
July 18, 2022
Advance Intelligence Group acquires Singapore-based fintech startup Jewel Paymentech
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EITN MALAYSIA
July 13, 2022
The Future of Digital Banking
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CampaignBriefAsia
June 23, 2022
Atome’s new ad aims to shatter beauty and fashion expectations
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THE MANILA TIMES
June 13, 2022
Atome partners with Primer Group in the Philippines
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BiometricUpdate
June 9, 2022
ADVANCE.AI liveness detection first in Southeast Asia to pass iBeta test
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Marketech-Apac
June 1, 2022
BNPL Atome unveils tie-up with Dorsett Hospitality International
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AsianAviation
May 10, 2022
Atome partners with Cathay Pacific on flexible Payment Options for Passengers
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brandinginasia
April 27, 2022
Atome Appoints BBDO Singapore to Regional Creative Duties
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Marketing-interactive
April 18, 2022
Atome Week 2021 campaign wins Marketing Excellence Award
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Fintechnews Singapore
April 6, 2022
Top 5 Most Well-Funded Fintech Startups from Singapore
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BusinessWorld
March 30, 2022
Tech firm ADVANCE.AI pushes for alternative credit scoring models
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The Straitstimes
March 23, 2022
Talent, regulatory framework needed to develop S'pore fintech sector
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Techinasia
March 21, 2022
Atome, Grab, Hoolah co-create BNPL Framework for Singapore
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Futurecfo
March 14, 2022
Breaking the bias starts with me
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Manila Times
February 23, 2022
The SM Store, Atome launch buy-now-pay-later checkout counters for PH shoppers
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Business World
February 23, 2022
ADVANCE.AI eyes opportunities in PHL financial services
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Fintechnews Singapore
February 18, 2022
Trina Yeung, CFO, Atome Financial : We Deal with a Generation Where Customers Are Using Mobile-first
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Marketing-Interactive
February 16, 2022
Atome Malaysia hires Meta's former country marketing manager
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Global Daily Mirror
February 15, 2022
ADVANCE.AI appoints a new Filipino country manager for PH
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The Business Times
February 9, 2022
Standard Chartered and Kredit Pintar Indonesia Launched a Digital Partnership in Form of Digital Consumer Loans with a Total Limit of Up to USD 70 Million
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Manila Times
February 2, 2022
Contactless payment surges amid pandemic
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Jefferson Chen
February 1, 2022
Embedded Finance And Frictionless Customer Experiences Will Be Twin Themes In 2022
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BusinessWorld
January 28, 2022
Atome Is Helping Zalora See an Average Quarterly Increase of 50% in Number of Users
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Keuangan
January 19, 2022
Kredit Pintar Wins The Best Cash Loan Fintech at the Dunia Fintech Awards 2021
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theSundaily
January 19, 2022
Atome Get Listed in 10 Must-have Apps for MY
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JAKARTAGLOBE
January 12, 2022
Business Director for Indonesia at Advance： AI Will Power The Future of Banking Experience in Indonesia
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RETAILINASIA
January 10, 2022
Southeast Asia’s biggest consumer trends to know going into 2022
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Marc Almagro, Anton D. Javier, and Katherine Arteche
December 21, 2021
Atome Financial CFO Trina Yeung is Featured in Portfolio Magazine's 'Outlook 2022' Part 3:Rebuilding from the Pandemic.
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SIMON YUEN
December 14, 2021
Atome Partners Carousell HK to help SMBs Solve Logistics Challenges and Support Business Growth
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Lawrence Agcaoili
December 9, 2021
Asia’s Leading Buy Now, Pay Later Brand Atome Ramps Up Expansion in Philippines
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The Malaysian Reserve
December 3, 2021
With AI, Early Intervention Allow Businesses to Detect Early Signs of Data Vulnerability
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BusinessToday
November 24, 2021
Atome partnered with Sephora Malaysia to introduce the BNPL payment across its website, mobile app, and 18 stores across Malaysia.
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Monetary Authority of Singapore
November 12, 2021
Advance Intelligence Group has been awarded FinTech Employer of the year
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S&P Global Market Intelligence
November 10, 2021
Philippine Virtual banks will likely have a strong start thanks to growing demand for cross-border remittances and digital payments
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Fintech News Malaysia
November 10, 2021
Atome partnered with iPay88 to expand BNPL acceptance across its merchants in Malaysia
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PYMNTS
November 2, 2021
Advance.AI and mastercard-owned eCommerce verification platform Ekata partner on B2B Digital ID Offerings in Asia
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The Manila Times
October 22, 2021
Atome enters PH market, launches 50+ online and offline retailers
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Marketing Interactive
October 21, 2021
Atome dazzles with K-pop group ASTRO as global brand ambassador
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The Straits Times
October 21, 2021
More Asean start-ups became unicorns thanks to robust funding, rising middle class: Report
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Standard Chartered
October 13, 2021
Standard Chartered, Atome Financial seal strategic partnership to deliver mobile-first financial services for consumers across Asia
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The Business Times
October 13, 2021
StanChart, Atome in path-breaking US$500m financing deal
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Hubbis
October 5, 2021
ADVANCE.AI Launches One-Stop Platform For Faster Customer Onboarding and Risk Management
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Fintech Malaysia
October 1, 2021
PayHalal partners Atome to enable Murabaha buy now pay later acceptance in Malaysia, Indonesia
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Fintech News Malaysia
October 1, 2021
PayHalal Taps Atome for Islamic BNPL Services in Malaysia
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The PAYPERS
September 29, 2021
ADVANCE.AI launches its One Stop Platform
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Bloomberg
September 22, 2021
Ex-Hedge Fund Manager's Startup Hits $2 Billion Value
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Hong Kong BUSINESS
September 15, 2021
Atome wins HKB Technology Excellence Awards 2021 (Fintech - Payments)
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Marketing Interactive
September 10, 2021
Atome launches in-app loyalty rewards programme Atome+ in Singapore
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The PAYPERS
September 8, 2021
ADVANCE.AI partners with Dow Jones
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The Edge Markets
August 31, 2021
Fintech to help drive economic revival
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TheStar
August 9, 2021
Retailers turning to buy now, pay later platforms
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Market Watch
August 5, 2021
Four new global brands sign on to use APEXX Global's BNPL Connect
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Fintech News Malaysia
July 23, 2021
BNPL Firm Atome Records 100X Order Volume Growth in Malaysia
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ADVANCE.AI
July 14, 2021
Singapore fintech start-up ADVANCE.AI named in global Fintech Power 50 list in 2021
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The Fintech Times
July 13, 2021
How AI Is Reimagining The Future Of The Banking Experience In Southeast Asia
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The Manila Times
July 11, 2021
The rise of virtual banks in the Philippines
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Hardware Zone
July 9, 2021
Atome adds Apple Pay as a payment option to their Buy Now Pay Later service
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Atome
July 7, 2021
Atome becomes first Buy Now Pay Later brand to introduce Apple Pay in Singapore and Hong Kong
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IDN Financials
June 29, 2021
MNC Bank join forces with Atome Financial to improve its digital financing
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BusinessWorld
June 23, 2021
As banking sector consolidates, 9,000 physical branches to disappear across SEA by 2030
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Jakarta Live
June 22, 2021
Kredit Pintar Indonesia Launches ‘Chasing Dreams’ CSR Programme
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Campaign Asia
June 21, 2021
All-kitten band croons about 'ameowzing' deals for Atome
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IDN Financials
May 20, 2021
Hana Bank partners with Kredit Pintar to distribute credit funds of IDR 100 billion
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Marketing Interactive
May 12, 2021
ZALORA switches to flexible payment with buy now pay later option
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Tech in Asia
April 28, 2021
Singapore fintech Fomo Pay partners with Atome to offer BNPL services
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Singapore Business Review
April 27, 2021
ADVANCE.AI wins Technology Excellence Award for Facial Recognition (Financial Service)
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Singapore Business Review
April 27, 2021
Atome wins Technology Excellence Award for Payments (Fintech Category)
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Marketech APAC
April 22, 2021
Credit bureau CIBI partners with ADVANCE.AI to give AI-driven biz intel to PH firms
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The Digital Banker
April 22, 2021
ADVANCE.AI: Why facial recognition technology in banking is here to stay?
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Marketech APAC
April 14, 2021
Atome partners with Indonesian retail company MAP
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Business today
April 2, 2021
Atome Enters Malaysian Market, Commits To Ensure Responsible Repayment Behaviour
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Disruptive Asia
March 24, 2021
How AI can help combat rising online fraud in Singapore
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Back End News
March 2, 2021
ADVANCE.AI’s solutions address risks in digital banking operations
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Business Mirror
March 2, 2021
AI tools enable alternatives to underwriting loans
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Marketech APAC
February 23, 2021
AsiaPay, Atome team up to enable flexible installment payment options across APAC merchants
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Ginee
February 18, 2021
Ginee launches all-in-one e-commerce solutions platform for Indonesian SMEs
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ADVANCE.AI
February 3, 2021
ADVANCE.AI launches 'Advance Intelligence Group' brand
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Marketech APAC
February 1, 2021
How Atome supports recovery of hospitality industry in Asia
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The Edge
January 28, 2021
Is Malaysia’s ailing retail industry open to new partnerships and innovation?
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e27
January 19, 2021
From professor to fintech entrepreneur: why David Chen of Atome decided to make the switch
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Digital Life Asia
January 14, 2021
AI for financial inclusion: CIBI partners with ADVANCE.AI
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Tech In Asia
January 6, 2021
Why the time is ripe for ‘buy now, pay later’ in Asia
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Frontier Enterprise
December 28, 2020
Agoda, Atome pioneer in SG, MY flexible payment option for travellers
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Atome
December 21, 2020
Agoda launches regional instalment payment option with Atome
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Straits Times
December 16, 2020
Understanding Gen Z, millennial shopping behaviour is key to the future of retail
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The Edge
December 4, 2020
OnTheList partners with BNPL platform Atome to offer instalment-free payments
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Atome
November 18, 2020
Sephora Singapore partners with Atome in offering buy now, pay later payments
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Business Times
November 9, 2020
Buy a Dior lipstick in three instalments? Here's how young consumers do it
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Atome
November 2, 2020
Buy now pay later service Atome launches new brand identity
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Atome
September 24, 2020
Homeware retailer IUIGA partners Atome in offering buy now, pay later options
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The Business Times
August 21, 2020
Fintech ADVANCE.AI riding wave of buy-now pay-later online shopping
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Ginee
July 28, 2020
Ginee becomes official partner of Indonesian e-commerce platform BUKALAPAK
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Retail Asia
July 23, 2020
Future of retail: Is Asia ready for buy now, pay later
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Forbes
July 15, 2020
Technology companies and startups will help every sector emerge stronger from the pandemic
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Coconuts Singapore
May 28, 2020
New checkout app lets Singaporeans pay for all kinds of things in installments
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Atome
May 26, 2020
Atome launches digital payment solution in Singapore to help retailers grow online sales during COVID-19
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The Manila Times
May 3, 2020
How AI can help PH bounce back from COVID-19
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Forbes
April 6, 2020
AI adoption is on the rise
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KrASIA
March 31, 2020
Ethical usage of facial recognition is critical during and beyond the COVID-19 crisis, computer vision expert says
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ADVANCE.AI
March 24, 2020
ADVANCE.AI expands to India with offices in Bangalore & Delhi
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Atome Financial
February 6, 2020
Atome Financial expands to Indonesia, appoints Ex-DBS consumer banking head as CEO of Indonesian business
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Entrepreneur
July 23, 2019
Singapore's virtual banks offer chance for homegrown AI to shine
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