Atome Financial, Asia Pacific Financial Technology Corporation

Increasing financial access for all

Atome Financial is Southeast Asia’s leading digital finance platform featuring Atome, the region's largest buy now pay later provider, and Kredit Pintar, Indonesia's leading digital lender. Atome has also expanded beyond BNPL and now offers insurance, savings, cards and lending services. Atome Financial's market leadership is backed by institutional funding partners including Standard Chartered, HSBC, Bank Jago, DBS Bank, SMBC, BlackRock, Evolution X Capital, InnoVen Capital and many others.

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 largest buy now pay later provider. Atome has expanded beyond BNPL and now offers insurance, savings, cards and lending services. 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). 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.

Create a better life for consumers through greater financial access and technology

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

In the news

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