Atome, Digital Financial Services - Advance Intelligence Group

Transforming the way you manage your finances

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.

Atome’s impact in numbers

Markets

USD 2.5B

In GMV

Our products and services

Buy Now Pay Later anywhere

The Atome Card allows cardholders to shop and buy now, pay later at any online, offline or even overseas merchants that accept VISA or Master Card.

Flexible payments

Pay in 3 or 6 at selected brands, in store or online at thousands of merchants across the region. Plus, earn rewards while shopping.

Brand partners

What our customers and brand partners say

The new payment adoption has greatly improved our customer experience. We've seen a remarkable 70% growth in Atome usage among customers in Singapore and Malaysia since our recent soft launch, signaling a promising start to our journey.

Rostin Javadi

Chief Operations Officer

I experienced great things when using the Atome app; it's very user-friendly. Using my Atome card provided me with a convenient and satisfying experience. Seeing my credit limit increase makes me so happy and grateful.

Atome card

Customer

Our partnership with Atome will drive growth and enable merchants and small businesses to offer their customers a convenient and flexible payment option in Malaysia.

Jonathan Low

e-commerce lead of strategy and special projects