Driving financial inclusion in Southeast Asia
Increasing financial access for all
Atome Financial is a leading fintech company with extensive experience in digital consumer finance in Southeast Asia. Our mission is to create a better life for consumers through greater financial access and AI technology. It includes Atome, Southeast Asia’s leading digital financial services platform and Kredit Pintar, one of the largest digital lending platforms licensed, supervised and regulated by Indonesia’s OJK (Financial Services Authority). Atome Financial has 40 million registered customers across the region.
Our products and services
6 in 10 consumers in Southeast Asia still lack inclusive access to credit and financial services. Here’s how our brands help.
Digital Financial Services
Atome is Southeast Asia's leading digital financial services platform that has evolved from buy now pay later and embedded financing into a comprehensive provider of digital financial services that includes insurance, cards and lending in various markets. Leveraging its unique expertise in risk-managed credit and responsible financing, Atome is committed to enhancing digital and financial inclusion through technology.
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Smart Digital Lending
Kredit Pintar is one of Indonesia’s leading digital lending platforms that is licensed, registered, and supervised by the Financial Services Authority (OJK). With over 32M downloads and 2M+ app reviews on Google Play, Kredit Pintar's mission is to improve the lives of consumers through greater financial access and technology.
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Pioneering Micro-lending & Empowering E-commerce
ND Finance, licensed by Chongqing’s Financial Bureau, is our leading micro-lending brand in China. Collaborating with 28+ financial institutions and major e-commerce platforms like Jumei Youpin and Keqi, it’s disbursed over USD$550M in loans. Dedicated to its vision “Advance with intelligence for a better life”, ND Finance champions e-commerce and digital payment through micro-lending.
Partnering Atome Financial for success
This partnership with Atome Financial lets us join the growing digital consumer finance ecosystem, offering products to enrich clients' lives. Our knowledge of Asia’s markets and Atome Financial’s expertise will help us reach more customers and support the underserved.
Judy Hsu
CEO, Consumer, Private and Business Banking
We are pleased to see Atome Financial driving Southeast Asia’s growth. We are committed to supporting their ambition and using HSBC’s global network and banking capabilities to aid their regional expansion.
Harish S Venkatesan
MD and Head of International Subsidiary Banking, Singapore
Chubb is committed to offering convenient and affordable digital insurance solutions to protect consumers. Partnering with Atome, we leverage technology to provide essential protection for individuals and families in Southeast Asia, narrowing the insurance gap.
Ben Howell
Regional Head of Consumer for Asia Pacific
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