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
adlidas_logo
amazon
adoda_logo
allobank_logo
c&k_logo
dyson_logo
el_logo
faircent_black_logo
FIFgroup_logo
jago_logo
klook_logo
lazada_logo
monix_logo
mncbank_logo
nanovest_logo
nike_logo
samsung_logo
sephora_logo
shein_logo
sc_logo
tiktok
zalora_logo
Strength in numbers
Applying our technology to companies and communities
300+
Enterprise clients
240,000+
Merchants
50M+
Users
The unfolding of our journey
Milestones
arrow-down
-
2016
2017
2018
2019
2020
2021
2022
2023
2024
2016
2017
2018
2019
2020
2021
2022
2023
2024
2017
2018
2019
2020
2021
2022
2023
2024
Taking the leap
ADVANCE.AI registers our business operations in Singapore.
1
2
3
4
5
6
7
8
9
 /
1
2
3
4
5
6
7
8
9
2016
2017
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
Tech In Asia
February 24, 2025
Temu partners with Atome for flexible payments in Malaysia
Learn more
Atome
February 24, 2025
Temu partners Atome for flexible payment checkout in Malaysia
Learn more
Atome Financial
February 11, 2025
Atome Financial welcomes BlackRock Private Credit, InnoVen Capital in US$80M credit facility
Learn more
Reuters
February 11, 2025
Atome Financial secures BlackRock, InnoVen in $80 million credit facility
Learn more
Atome Financial
November 19, 2024
Atome Financial Secures Up to US$200M Syndicated Facility to Support Financial Inclusion in Southeast Asia
Learn more
Deal Street Asia
November 19, 2024
Atome bags $200m syndicated credit facility from HSBC, others
Learn more
Technode
November 19, 2024
Singapore's Atome Financial secures up to $200M syndicated facility to support financial inclusion in Southeast Asia
Learn more
INQUIRER.NET
October 23, 2024
ADVANCE.AI’s CBP obtains $4 million from Archipelago Capital
Learn more
THE STRAITS TIMES
September 24, 2024
21 Singapore companies on inaugural list of Asean’s 30 top tech start-ups
Learn more
Advance Intelligence Group
September 23, 2024
Advance Intelligence Group listed among Southeast Asia’s top high growth tech companies
Learn more
Fintech News
August 18, 2024
Advance Intelligence Group listed in top 20 FinTech startups in Singapore
Learn more
ADVANCE.AI
August 12, 2024
Credit Information Corporation (CIC), ADVANCE.AI sign agreement to launch credit bureau in the Philippines
Learn more
Biometrics News
August 3, 2024
Advance.AI improves KYB services for credit bureau services
Learn more
ADVANCE.AI
July 31, 2024
ADVANCE.AI enhances KYB verification service to streamline corporate due diligence in S’pore, Malaysia
Learn more
Fintech News
July 22, 2024
Advance Intelligence Group listed in top 20 FinTech startups in Singapore
Learn more
The Star
July 22, 2024
Singapore’s ‘buy now, pay later’ plans see uplift in sales
Learn more
Business World
June 25, 2024
Atome secures debt facility to launch new products in PHL, Southeast Asia
Learn more
Atome Financial
June 24, 2024
Atome Financial secures growth debt facility from EvolutionX to drive profitable expansion in Southeast Asia
Learn more
The Straits Times
June 24, 2024
Atome Financial gets up to $135m debt facility from EvolutionX and other investors
Learn more
Manila Standard
May 15, 2024
Fast-growing fintech Skyro taps ADVANCE.AI for simpler, safer financial access in PH
Learn more
Fintech News SG
May 13, 2024
Atome’s BNPL Payment Option Now Available on Taobao Singapore
Learn more
Tech In Asia
April 23, 2024
Atome Financial logs EBITDA profit in Q1 amid BNPL growth
Learn more
Atome Financial
April 22, 2024
Atome Financial’s full-year operating income doubles to US$170M in 2023, turns profitable in Q1 2024
Learn more
Atome
March 19, 2024
Chubb and Atome announce regional partnership to drive consumer protection across Southeast Asia
Learn more
Business World
February 21, 2024
Atome partners with Mastercard for game credits offer
Learn more
Fintech News Singapore
January 29, 2024
Dennis Martin Joins ADVANCE.AI as Credit Reporting CEO
Learn more
ADVANCE.AI
November 22, 2023
Singapore start-up ADVANCE.AI wins top award at Singapore FinTech Festival
Learn more
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
Learn more
Fintech News Singapore
November 16, 2023
MAS announces 2023 Global Fintech Award winners; ADVANCE.AI wins ASEAN Fintech
Learn more
The Straits Times
November 8, 2023
Six ‘buy now, pay later’ providers on track to get accredited in S’pore
Learn more
CNBC
September 25, 2023
Advance Intelligence Group Named One of the Top Start-ups 2023
Learn more
The Straits Times
September 1, 2023
Atome, ShopBack on track to get ‘buy now, pay later’ accreditation in S’pore by early next year
Learn more
VOI
August 29, 2023
Take AI, Bank Jago And ADVANCE.AI Transformation Of Customer Registration With EKYC Solutions
Learn more
Atome Financial
August 15, 2023
Atome Financial expands partnership with HSBC to support Philippines, new consumer financing products
Learn more
TECHNODE GLOBAL
August 15, 2023
ATOME RENEWS $100M DEBT FACILITY WITH HSBC SINGAPORE FOR PHILIPPINE MARKET EXPANSION
Learn more
Atome Financial
August 14, 2023
Atome Financial expands partnership with HSBC to support Philippines, new consumer financing products
Learn more
Atome
July 19, 2023
Atome partners TikTok Shop to drive e-commerce growth in Malaysia
Learn more
CNBC
July 19, 2023
TikTok Shop strikes ‘buy now, pay later’ partnership in Malaysia as part of e-commerce push
Learn more
Atome
July 4, 2023
Standard Chartered and Atome announce first-of-its-kind partnership in Singapore, expanding financial access and inclusivity
Learn more
Fintech News
July 4, 2023
StanChart and Atome Form First-Of-Its-Kind Lender of Record Partnership
Learn more
Fintech News Singapore
May 23, 2023
Atome’s BNPL Payment Option Now Available for Amazon Singapore Shoppers
Learn more
Advance Intelligence Group
May 22, 2023
Atome partners with Amazon to offer deferred payment option during checkout in Singapore
Learn more
Advance Intelligence Group
May 2, 2023
Singapore’s tech unicorn Advance Intelligence Group raises USD80M
Learn more
MANILA BULLETIN
March 29, 2023
DigiCOOP partners with ADVANCE.AI to boost digital and financial inclusion in the country
Learn more
ADVANCE.AI
March 27, 2023
DigiCOOP partners with ADVANCE.AI to boost digital and financial inclusion in the Philippines
Learn more
Business Mirror
March 18, 2023
Suyen launches Atome buy now pay later across 600+ physical stores in PHL
Learn more
Business Mirror
March 18, 2023
Suyen launches Atome buy now pay later across 600+ physical stores in PHL
Learn more
ABS-CBN News
February 7, 2023
Pay up to 12 months? BNPL player Atome eyes extending payments scheme
Learn more
E27
February 3, 2023
Key cyber fraud trends to look out for in 2023
Learn more
The Paypers
February 3, 2023
Alternative Airlines partners Atome for flexible payments in Asia
Learn more
Technode Global
January 9, 2023
Top digital security and fraud trends in Southeast Asia for 2023
Learn more
Fintech News
January 3, 2023
How Payment Trends Are Set to Evolve Across Asia in 2023
Learn more
Marketing Interactive
December 15, 2022
Watsons expands Atome partnership to Philippines
Learn more
The Edge Markets
December 12, 2022
Q&A: Trade safely in the cryptocurrency world
Learn more
The Manila Times
December 3, 2022
Shop smart this Christmas Season with Atome's Buy Now, Pay Later offering
Learn more
Fintechnews Singapore
November 8, 2022
Trip.com Partners Atome for BNPL Payments in APAC
Learn more
The Paypers
November 2, 2022
Airwallex Atome enable BNPL payments for merchants in the APAC region
Learn more
Techwire Asia
October 26, 2022
AI and fintech to boost financial inclusion in Thailand
Learn more
Finextra
October 24, 2022
Thailand's Monix taps Advance.AI to offer mobile micro-loans to consumers
Learn more
The Straits Times
October 21, 2022
New ‘buy now, pay later’ code of conduct: Customers cannot have over $2k in outstanding payments
Learn more
Manila Bulletin
October 10, 2022
Digital Pilipinas Festival gears towards an anti-fragile system in the country, ASEAN
Learn more
Manila Bulletin
October 9, 2022
Digital Pilipinas showcases the country as soft haven for global innovators
Learn more
Fintechnews Singapore
October 4, 2022
ADVANCE.AI Ties up With Visa to Enhance Its Credit Decisioning Services
Learn more
Digital Journal
August 31, 2022
Crypto Exchange Platform Coinut Partners ADVANCE.AI to Scale Global User Growth
Learn more
Manila Times
August 20, 2022
Atome launches Atome Card in Philippines with Master Card
Learn more
Atome
August 19, 2022
Atome and Mastercard launch Atome Card in the Philippines providing a new way for Filipino consumers to pay with credit
Learn more
Marketing Interactive
August 18, 2022
Atome launches fashion magazine featuring everyday fashionistas
Learn more
Advance Intelligence Group
August 12, 2022
Atome Financial, HSBC Singapore seal USD100M debt facility
Learn more
The Business Times
August 11, 2022
Atome Financial enters into US$100m debt facility with HSBC
Learn more
TheEdgeMarkets
August 8, 2022
Commentary: Digital banks more attractive since pandemic
Learn more
The Edge Malaysia
August 8, 2022
Commentary: Digital banks more attractive since pandemic
Learn more
Manila Bulletin
August 5, 2022
Advance.AI Mike Calma: Positioning PH as Asia’s AI hub
Learn more
L'Officiel Malaysia
July 26, 2022
Atome wants you to Own Your Expression
Learn more
The Manila Times
July 22, 2022
Michael Calma sees the rapid development of technology making a huge impact on our lives
Learn more
Technode Global
July 18, 2022
Advance Intelligence Group acquires Singapore-based fintech startup Jewel Paymentech
Learn more
EITN MALAYSIA
July 13, 2022
The Future of Digital Banking
Learn more
CampaignBriefAsia
June 23, 2022
Atome’s new ad aims to shatter beauty and fashion expectations
Learn more
THE MANILA TIMES
June 13, 2022
Atome partners with Primer Group in the Philippines
Learn more
BiometricUpdate
June 9, 2022
ADVANCE.AI liveness detection first in Southeast Asia to pass iBeta test
Learn more
Marketech-Apac
June 1, 2022
BNPL Atome unveils tie-up with Dorsett Hospitality International
Learn more
AsianAviation
May 10, 2022
Atome partners with Cathay Pacific on flexible Payment Options for Passengers
Learn more
brandinginasia
April 27, 2022
Atome Appoints BBDO Singapore to Regional Creative Duties
Learn more
Marketing-interactive
April 18, 2022
Atome Week 2021 campaign wins Marketing Excellence Award
Learn more
Fintechnews Singapore
April 6, 2022
Top 5 Most Well-Funded Fintech Startups from Singapore
Learn more
BusinessWorld
March 30, 2022
Tech firm ADVANCE.AI pushes for alternative credit scoring models
Learn more
The Straitstimes
March 23, 2022
Talent, regulatory framework needed to develop S'pore fintech sector
Learn more
Techinasia
March 21, 2022
Atome, Grab, Hoolah co-create BNPL Framework for Singapore
Learn more
Futurecfo
March 14, 2022
Breaking the bias starts with me
Learn more
Manila Times
February 23, 2022
The SM Store, Atome launch buy-now-pay-later checkout counters for PH shoppers
Learn more
Business World
February 23, 2022
ADVANCE.AI eyes opportunities in PHL financial services
Learn more
Fintechnews Singapore
February 18, 2022
Trina Yeung, CFO, Atome Financial : We Deal with a Generation Where Customers Are Using Mobile-first
Learn more
Marketing-Interactive
February 16, 2022
Atome Malaysia hires Meta's former country marketing manager
Learn more
Global Daily Mirror
February 15, 2022
ADVANCE.AI appoints a new Filipino country manager for PH
Learn more
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
Learn more
Manila Times
February 2, 2022
Contactless payment surges amid pandemic
Learn more
Jefferson Chen
February 1, 2022
Embedded Finance And Frictionless Customer Experiences Will Be Twin Themes In 2022
Learn more
BusinessWorld
January 28, 2022
Atome Is Helping Zalora See an Average Quarterly Increase of 50% in Number of Users
Learn more
Keuangan
January 19, 2022
Kredit Pintar Wins The Best Cash Loan Fintech at the Dunia Fintech Awards 2021
Learn more
theSundaily
January 19, 2022
Atome Get Listed in 10 Must-have Apps for MY
Learn more
JAKARTAGLOBE
January 12, 2022
Business Director for Indonesia at Advance： AI Will Power The Future of Banking Experience in Indonesia
Learn more
RETAILINASIA
January 10, 2022
Southeast Asia’s biggest consumer trends to know going into 2022
Learn more
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.
Learn more
SIMON YUEN
December 14, 2021
Atome Partners Carousell HK to help SMBs Solve Logistics Challenges and Support Business Growth
Learn more
Lawrence Agcaoili
December 9, 2021
Asia’s Leading Buy Now, Pay Later Brand Atome Ramps Up Expansion in Philippines
Learn more
The Malaysian Reserve
December 3, 2021
With AI, Early Intervention Allow Businesses to Detect Early Signs of Data Vulnerability
Learn more
BusinessToday
November 24, 2021
Atome partnered with Sephora Malaysia to introduce the BNPL payment across its website, mobile app, and 18 stores across Malaysia.
Learn more
Monetary Authority of Singapore
November 12, 2021
Advance Intelligence Group has been awarded FinTech Employer of the year
Learn more
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
Learn more
Fintech News Malaysia
November 10, 2021
Atome partnered with iPay88 to expand BNPL acceptance across its merchants in Malaysia
Learn more
PYMNTS
November 2, 2021
Advance.AI and mastercard-owned eCommerce verification platform Ekata partner on B2B Digital ID Offerings in Asia
Learn more
The Manila Times
October 22, 2021
Atome enters PH market, launches 50+ online and offline retailers
Learn more
Marketing Interactive
October 21, 2021
Atome dazzles with K-pop group ASTRO as global brand ambassador
Learn more
The Straits Times
October 21, 2021
More Asean start-ups became unicorns thanks to robust funding, rising middle class: Report
Learn more
Standard Chartered
October 13, 2021
Standard Chartered, Atome Financial seal strategic partnership to deliver mobile-first financial services for consumers across Asia
Learn more
The Business Times
October 13, 2021
StanChart, Atome in path-breaking US$500m financing deal
Learn more
Hubbis
October 5, 2021
ADVANCE.AI Launches One-Stop Platform For Faster Customer Onboarding and Risk Management
Learn more
Fintech Malaysia
October 1, 2021
PayHalal partners Atome to enable Murabaha buy now pay later acceptance in Malaysia, Indonesia
Learn more
Fintech News Malaysia
October 1, 2021
PayHalal Taps Atome for Islamic BNPL Services in Malaysia
Learn more
The PAYPERS
September 29, 2021
ADVANCE.AI launches its One Stop Platform
Learn more
Bloomberg
September 22, 2021
Ex-Hedge Fund Manager's Startup Hits $2 Billion Value
Learn more
Hong Kong BUSINESS
September 15, 2021
Atome wins HKB Technology Excellence Awards 2021 (Fintech - Payments)
Learn more
Marketing Interactive
September 10, 2021
Atome launches in-app loyalty rewards programme Atome+ in Singapore
Learn more
The PAYPERS
September 8, 2021
ADVANCE.AI partners with Dow Jones
Learn more
The Edge Markets
August 31, 2021
Fintech to help drive economic revival
Learn more
TheStar
August 9, 2021
Retailers turning to buy now, pay later platforms
Learn more
Market Watch
August 5, 2021
Four new global brands sign on to use APEXX Global's BNPL Connect
Learn more
Fintech News Malaysia
July 23, 2021
BNPL Firm Atome Records 100X Order Volume Growth in Malaysia
Learn more
ADVANCE.AI
July 14, 2021
Singapore fintech start-up ADVANCE.AI named in global Fintech Power 50 list in 2021
Learn more
The Fintech Times
July 13, 2021
How AI Is Reimagining The Future Of The Banking Experience In Southeast Asia
Learn more
The Manila Times
July 11, 2021
The rise of virtual banks in the Philippines
Learn more
Hardware Zone
July 9, 2021
Atome adds Apple Pay as a payment option to their Buy Now Pay Later service
Learn more
Atome
July 7, 2021
Atome becomes first Buy Now Pay Later brand to introduce Apple Pay in Singapore and Hong Kong
Learn more
IDN Financials
June 29, 2021
MNC Bank join forces with Atome Financial to improve its digital financing
Learn more
BusinessWorld
June 23, 2021
As banking sector consolidates, 9,000 physical branches to disappear across SEA by 2030
Learn more
Jakarta Live
June 22, 2021
Kredit Pintar Indonesia Launches ‘Chasing Dreams’ CSR Programme
Learn more
Campaign Asia
June 21, 2021
All-kitten band croons about 'ameowzing' deals for Atome
Learn more
IDN Financials
May 20, 2021
Hana Bank partners with Kredit Pintar to distribute credit funds of IDR 100 billion
Learn more
Marketing Interactive
May 12, 2021
ZALORA switches to flexible payment with buy now pay later option
Learn more
Tech in Asia
April 28, 2021
Singapore fintech Fomo Pay partners with Atome to offer BNPL services
Learn more
Singapore Business Review
April 27, 2021
ADVANCE.AI wins Technology Excellence Award for Facial Recognition (Financial Service)
Learn more
Singapore Business Review
April 27, 2021
Atome wins Technology Excellence Award for Payments (Fintech Category)
Learn more
Marketech APAC
April 22, 2021
Credit bureau CIBI partners with ADVANCE.AI to give AI-driven biz intel to PH firms
Learn more
The Digital Banker
April 22, 2021
ADVANCE.AI: Why facial recognition technology in banking is here to stay?
Learn more
Marketech APAC
April 14, 2021
Atome partners with Indonesian retail company MAP
Learn more
Business today
April 2, 2021
Atome Enters Malaysian Market, Commits To Ensure Responsible Repayment Behaviour
Learn more
Disruptive Asia
March 24, 2021
How AI can help combat rising online fraud in Singapore
Learn more
Back End News
March 2, 2021
ADVANCE.AI’s solutions address risks in digital banking operations
Learn more
Business Mirror
March 2, 2021
AI tools enable alternatives to underwriting loans
Learn more
Marketech APAC
February 23, 2021
AsiaPay, Atome team up to enable flexible installment payment options across APAC merchants
Learn more
Ginee
February 18, 2021
Ginee launches all-in-one e-commerce solutions platform for Indonesian SMEs
Learn more
ADVANCE.AI
February 3, 2021
ADVANCE.AI launches 'Advance Intelligence Group' brand
Learn more
Marketech APAC
February 1, 2021
How Atome supports recovery of hospitality industry in Asia
Learn more
The Edge
January 28, 2021
Is Malaysia’s ailing retail industry open to new partnerships and innovation?
Learn more
e27
January 19, 2021
From professor to fintech entrepreneur: why David Chen of Atome decided to make the switch
Learn more
Digital Life Asia
January 14, 2021
AI for financial inclusion: CIBI partners with ADVANCE.AI
Learn more
Tech In Asia
January 6, 2021
Why the time is ripe for ‘buy now, pay later’ in Asia
Learn more
Frontier Enterprise
December 28, 2020
Agoda, Atome pioneer in SG, MY flexible payment option for travellers
Learn more
Atome
December 21, 2020
Agoda launches regional instalment payment option with Atome
Learn more
Straits Times
December 16, 2020
Understanding Gen Z, millennial shopping behaviour is key to the future of retail
Learn more
The Edge
December 4, 2020
OnTheList partners with BNPL platform Atome to offer instalment-free payments
Learn more
Atome
November 18, 2020
Sephora Singapore partners with Atome in offering buy now, pay later payments
Learn more
Business Times
November 9, 2020
Buy a Dior lipstick in three instalments? Here's how young consumers do it
Learn more
Atome
November 2, 2020
Buy now pay later service Atome launches new brand identity
Learn more
Atome
September 24, 2020
Homeware retailer IUIGA partners Atome in offering buy now, pay later options
Learn more
The Business Times
August 21, 2020
Fintech ADVANCE.AI riding wave of buy-now pay-later online shopping
Learn more
Ginee
July 28, 2020
Ginee becomes official partner of Indonesian e-commerce platform BUKALAPAK
Learn more
Retail Asia
July 23, 2020
Future of retail: Is Asia ready for buy now, pay later
Learn more
Forbes
July 15, 2020
Technology companies and startups will help every sector emerge stronger from the pandemic
Learn more
Coconuts Singapore
May 28, 2020
New checkout app lets Singaporeans pay for all kinds of things in installments
Learn more
Atome
May 26, 2020
Atome launches digital payment solution in Singapore to help retailers grow online sales during COVID-19
Learn more
The Manila Times
May 3, 2020
How AI can help PH bounce back from COVID-19
Learn more
Forbes
April 6, 2020
AI adoption is on the rise
Learn more
KrASIA
March 31, 2020
Ethical usage of facial recognition is critical during and beyond the COVID-19 crisis, computer vision expert says
Learn more
ADVANCE.AI
March 24, 2020
ADVANCE.AI expands to India with offices in Bangalore & Delhi
Learn more
Atome Financial
February 6, 2020
Atome Financial expands to Indonesia, appoints Ex-DBS consumer banking head as CEO of Indonesian business
Learn more
Entrepreneur
July 23, 2019
Singapore's virtual banks offer chance for homegrown AI to shine
Learn more
lang.svg EN
© 2024 Advance Intelligence Group. All rights reserved.