Atome Financial

Advance with intelligence to empower consumers, improving their quality of life.
Atome Financial
Mission:

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

Founded in 2017, Atome Financial is a leading fintech company whose mission is to create a better life for consumers through greater financial access and technology. Our consumer business provides "buy now, pay later" (Atome) and digital lending services (Kredit Pintar, ND Finance) and has helped over 20 million consumers gain access to credit throughout Southeast Asia, India and China.

Atome is a leading “buy now, pay later” brand in Asia that splits consumers‘ bills into three equal, zero interest payments over time. Launched in December 2019, Atome has partnered over 5,000 local and global retail brands across a range of verticals such as fashion, beauty, homeware, lifestyle and travel. We have expanded into nine markets: Singapore, Malaysia, China, Hong Kong, Indonesia, Vietnam, Taiwan, Philippines and Thailand.
Weihua is Atome's brand name in mainland China. Since its inception in September 2020, Weihua has partnered more than 1,000 local and international brands including Nike, Tissot, Radar, Anta, Adidas, Converse, Puma, Darling Me and La Chapel.
  • advance.ai
    Atome splits your bill into three easy payments over time. Zero interest, zero service fees.
  • Atome offers a frictionless one-click purchase experience that lets our users pay when and how they like to.
    Key Clients
  • Fashion
    key Clients
  • Beauty
    key Clients
  • Lifestyle
    key Clients
  • Platform
    key Clients
  • Hotels and Travel
    key Clients
Testimonials
Testimonials
  • testimonials
    Rostin Javadi
    Chief Operations Officer
    “This new payment adoption will enhance our customer shopping and payment experience. We have seen 70 percent growth in the number of our customers using Atome in Singapore and Malaysia since our soft launch in recent weeks which signals a great start for this journey.”
  • testimonials
    Alia Gogi
    President
    “The shopping behaviour and profile of Sephora customers has evolved in the last few years, but especially so this year…
    We’re delighted to partner with Atome in introducing ‘buy now, pay later’ flexible payment options to first our Singapore, and later Malaysian customers, enhancing their shopping experience both online and in our stores.”
Relevant news
Atome wins HKB Technology Excellence Awards 2021 (Fintech - Payments)
Atome wins HKB Technology Excellence Awards 2021 (Fintech - Payments)
Its buy now pay later flexible payment option allows Hong Kong shoppers to split bills into three equal, zero interest deferred payments.
Sephora Singapore partners with Atome in offering buy now, pay later payments
Sephora Singapore partners with Atome in offering buy now, pay later payments
French prestige beauty retail giant integrates Atome’s flexible payments across its e-commerce website, mobile app and brick & mortar stores in Si...
Atome becomes first Buy Now Pay Later brand to introduce Apple Pay in Singapore and Hong Kong
Atome becomes first Buy Now Pay Later brand to introduce Apple Pay in Singapore and Hong Kong
SINGAPORE & HONG KONG, 7 July 2021 - Atome, Asia’s leading buy now pay later brand, today announced that its cus...
Atome launches in-app loyalty rewards programme Atome+ in Singapore
Atome launches in-app loyalty rewards programme Atome+ in Singapore
Buy now pay later brand Atome has launched an in-app loyalty rewards programme in Singapore. Also known as "Atome+", the programme allows shoppers to ...
Atome Enters Malaysian Market, Commits To Ensure Responsible Repayment Behaviour
Atome Enters Malaysian Market, Commits To Ensure Responsible Repayment Behaviour
Buy Now Pay Later (BNPL) platform, Atome has launched its service in Malaysia with over 100 online and offline retailers including the likes...