Atome

We are Atome, Southeast Asia’s foremost embedded financing and “buy now, pay later” (BNPL) platform, born from our parent, Advance Intelligence Group. We empower digitally savvy consumers and merchants across five markets with flexible, risk‑managed credit, letting users split purchases into interest‑free instalments, and now extending into cards, micro‑lending, insurance, savings and embedded financial services. Our AI‑driven offerings are underpinned by core brand pillars: Aspirations, Access, Advice. Our slogan “Time to Own It” captures our mission: to help buyers and merchants thrive through smarter shop-and-pay experiences. Our platform works with 15,000+ retailers and serves over 40 million consumers, enhancing B2B outcomes with higher conversions, basket sizes, and financial inclusion.