Atome

🍗🤝🇵🇭 2 Filipino favorites, one shared mission: bringing more joy to everyday life Proud to announce that Atome Philippines is partnering with Jollibee Group Foods Corporation to further enable the use and acceptance of #AtomeCard across 1,300+ Jollibee stores across the #Philippines. Why this matters 👇 With over 2 million Atome Cards issued in the Philippines, the Card has seen strong adoption across the country. About 80% are first-time cardholders, spread across Metro Manila, Luzon, Visayas and Mindanao, with many using their first-ever card to pay for daily essentials such as groceries, transport, fuel, utility bills and yes, even their favorite Jollibee Chickenjoy meal.🍗 “Jollibee has always been about bringing joy to our customers through great-tasting food and warm service. Our partnership with Atome supports our commitment to convenience and accessibility by providing customers with more flexible payment options across our nationwide store network. We are excited to collaborate on meaningful campaigns that create even more reasons for Filipinos to celebrate everyday moments at Jollibee,” said Kakam Gabunada, Head of Regional Business Unit and National Key Accounts Group, Jollibee Philippines. "Our mission at Atome Philippines is to make life more affordable and accessible by empowering everyday Filipinos with safe, responsible and accessible financing. Partnering with Jollibee allows us to embed financial and flexible payment access into daily life, where it matters most. Food is a fundamental part of Filipino culture, and together with Jollibee, we are making it easier for families to enjoy moments of joy while managing their finances responsibly,” said Christian Eugene Quiros, MBA, President and Country General Manager, Atome Philippines. At its core, this partnership is about: ✨ Access -- reaching more Filipinos nationwide ✨ Responsibility — enabling safe and transparent usage ✨ Everyday impact — embedded in moments that matter 🙏 A huge thank you to Jollibee for the trust and partnership. We look forward to many more exciting collaborations ahead to better serve — and bring joy to — Filipino consumers across the country. 🇵🇭 Magic Tang Leandro Carpio Mark Sid Nakayama Diane Marie Reyes Ahyie Cavas Cyndi Yarisantos #AtomexJollibee #Philippines #FinancialInclusion #DigitalPayments #BidaAngSaya

Seven years ago, we set out with a simple belief: flexible and responsible, risk-managed credit and can unlock opportunity and access to a better life. 🏆 Today, we’re proud to share that Atome has been named #1 Most Popular BNPL App in Asia at the 2025 edition of the APAC Awards by Sensor Tower, ranking first by monthly active users across the region. 🏆 From our launch in #Singapore in late 2019 to becoming the most used BNPL app in Asia, this milestone reflects the trust millions of consumers place in us every day. With a rating exceeding 4.5 stars and 96.4% growth in 2025, our journey has been powered by relentless execution, deep localisation, and an unwavering commitment to unlocking fair and transparent access to responsible credit. This achievement belongs to all #Atomees and #Advancers — past and present — whose dedication and commitment built the foundation for scale. It also belongs to our #merchants, #partners, and most importantly, our #customers across #Singapore, #Malaysia, #Indonesia, #Philippines and #Thailand who continue to choose Atome at checkout, from daily necessities to lifestyle aspirations and upgrades. Thank you. 💛 Over the years, we’ve evolved beyond #BNPL and now also offer #cards, #savings, #insurance and #lending. What's next? To grow responsibly, innovate, and journey alongside our customers — supporting them at every stage of life. Thank you for being part of our story. The best chapters are yet to be. 🚀 More here: https://lnkd.in/gy9QhrvD Full list of winners: https://lnkd.in/gcn6bxKD #SensorTowerAwards #Atome #Fintech #Asia #mobileapps #mobile

Atome Malaysia has signed a Memorandum of Understanding with MyDigital ID, joining 14 leading banks and fintech players in a nationwide effort to enhance #digitalidentity authentication and assurance across #Malaysia's financial ecosystem. The MoU exchange marks a significant step toward strengthening secure #digitalonboarding, transaction verification and #fraudprevention across the industry. Representing Atome Malaysia at the MOU signing was Danny L., Head of BNPL, reaffirming Atome’s commitment to responsible growth, user #safety and #protection. MyDigital ID is Malaysia’s national digital identity platform, which verifies identities directly against the National Registration Department database in real time as the single source of truth. This provides financial institutions with: 🔐 Higher-assurance #identityverification for account opening 🛡️ Stronger defence against #impersonation and account takeover #fraud ⚡ More secure digital transactions across platforms 🏛️ Alignment with Malaysia’s national #digitalisation agenda This initiative supports the strategic blueprint of Bank Negara Malaysia and the government’s ambition to build a secure, digitally empowered economy by 2030. More here: https://lnkd.in/g62teAzR #digitalidentity #AtomeMY #fraud #security #safety #customeronboarding

Super excited to announce that shopping across the Causeway just got simpler 🇸🇬🇲🇾✨! Atome Singapore users can now shop and pay across #Malaysia with the same Atome app — scan the Atome QR at checkout, see a competitive exchange rate upfront, and split payments into three interest-free instalments. Purchases made in Malaysia also earn A+ reward points, just like in Singapore. With residents from Singapore continuing to lead inbound travel and shopping in #Malaysia, this new cross-border functionality makes it easier to shop, pay and earn rewards in Malaysia with the same #Atome Singapore app — and just in time for the Chinese New Year holiday season. 🧧 “The launch of Atome’s cross-border functionality is especially timely, with major infrastructure projects like the JB-Singapore RTS Link and Singapore–Johor SEZ set to further boost bilateral travel and retail spending. With this, over 1.5 million Atome Singapore users can now shop and pay at 15,000+ retail partner outlets in Malaysia using the same mobile app—just in time for the upcoming Chinese New Year festive season,” said Bryan Quek, CEO, Atome Singapore. Popular Atome merchants in Malaysia Atome Singapore users will now be able to shop and pay across 15,000+ retail partner outlets in #Malaysia, including: 📱💻: Machines, Switch, Oppo, Samsung, Xiaomi, Garmin, Honor 👗👕👜: Christy Ng, Coach, Ralph Lauren, Michael Kors, Montigo 💄🧴🌿: Sasa, Bath & Body Works, Jean Yip, Mothercare 👟🏃♂️⚽️: Nike, JD Sports, Decathlon, Foot Locker, Converse, Timberland This milestone reflects the work of many #Atomees across markets — #product, #engineering, #risk, #compliance, #partnerships, #legal, #marketing and #operations — coming together to help make everyday spending across borders simpler and more rewarding. 🎉🎉 #crossborder #travel #AtomeSingapore #payment #BNPL #tourism

Honoured to have been part of Malaysia Islamic Fintech Forum, #MAIFF2026, organised by SEDANIA As Salam Capital Sdn Bhd — a key forum bringing together senior executives, Shariah committee members, and leaders across the #Islamic #fintech ecosystem. Atome Malaysia was recognised as a Top Non-Bank Partner for our collaboration and contributions toward advancing innovation in #Islamicfinance, #fintech, and Shariah-aligned financial solutions. The award was received by Bernard Chan, Deputy CEO of Atome Financial, who also joined the panel discussion on “Reimagining the Future of Inclusive Finance in the Digital Economy.” Key takeaways: 💫 Strong collaboration across ecosystem partners is essential to advance #Islamicfintech 💪 Innovation should stay true to #Islamic and #sharia principles, while rules keep up with digital change 🇲🇾 Malaysia is well placed to play a leading role and further cement its position as an Islamic fintech hub. Thank you to the organisers and fellow panellists for a thoughtful and forward-looking conversation. #MAIFF2026 #Islamicfintech #Atome #shariahfinancing #Malaysia #AtomeMY

✨ New Partnership Announcement ✨ Excited to kick off 2026 with the signing of a new partnership between #AtomePhilippines and R2 Group — a proudly homegrown Filipino group behind some of the country’s most loved #beauty, #grooming, and #wellness brands. 🇵🇭🤝 With over 200+ retail branches nationwide, R2 Group has built strong brand equity by making everyday self-care and personal expression accessible to Filipinos. Through this exclusive partnership, Atome Cardholders in Philippines can enjoy now enjoy special deals across R2 Group’s portfolio — from nail and lash services to hair, grooming, and wellness experiences. 💅💈✨ Participating brands include Nailaholics, Hey Sugar, French Tips, Sports Barbers, Vivere Salon, Happy Brows, Nail Garden, Maxwax, Ooh La Lash!, and The Dojo. Proud to support local brands and work with partners who share our commitment to affordability, quality, and customer experience. Thank you to Annille C., Marketing Director of R2 Group, and his team for the partnership — we look forward to growing together. 🚀 #AtomePHxR2Group #Partnership #SupportLocal #BeautyAndWellness #AtomeCard #AtomePH

Kicking off 2026 strong! 📣 Atome closes US$345M upsized syndicated debt facility Atome has closed an upsized US$345M syndicated debt facility, up from US$200M in 2024 — reflecting strong confidence from regional and global financial institutions. 🔹 HSBC continues as Structuring Bank & MLAB 🔹 DBS Bank joins as MLAB 🔹 Returning lenders: SMBC Group, Baiduri Bank Group, Cathay United Bank 🔹 New lenders: Fubon Bank (Hong Kong), Shanghai Pudong Development Bank 🚀 The facility will support Atome’s profitable regional portfolio including #BNPL, #digitallending and the #AtomeCard and cover three markets: #Singapore, #Malaysia, and the #Philippines. 📈 Strong and disciplined financial performance In addition, #AtomeFinancial - which includes Indonesia's Kredit Pintar - closed out FY2025 with record momentum. ✔ Annualised net revenue > US$500M in 2025 ✔ Annualised GMV > US$6B in 2025 ✔ Record monthly GMV in Dec 2025 (+70% YoY) “At HSBC, we support businesses by leveraging our global network, deep sector expertise, and capital strength. Our long-standing partnership with Atome reflects this commitment. We appreciate their continued trust and the opportunity to support them on this milestone transaction. We look forward to more shared successes in the years to come,” said Gilbert Ng, CFA, Head of Banking, Corporate and Institutional Banking, HSBC Singapore. “DBS is pleased to support Atome as Mandated Lead Arranger and Bookrunner, reaffirming our commitment to catalysing innovative and responsible growth in the digital economy. Atome continues to successfully leverage technology to scale accessible, transparent, and flexible credit solutions for underserved consumers in Southeast Asia within a robust risk framework – supporting DBS’ commitment to creating meaningful impact across the region,” said Shih Guan Chua, CFA, Head of Digital Economy Group, DBS Bank. “We’re pleased to welcome our new lending partners and grateful for the continued support from our returning lenders. This facility has grown significantly within a year. We’re now even better positioned to support a rapidly growing, healthy and profitable loan book, while scaling transparent and flexible credit solutions to serve both merchants and consumers,” said Andy Tan, Chief Commercial Officer at Atome. 🤝 As Atome continues to scale responsible, risk-managed and flexible #credit access across #SoutheastAsia, we remain committed to broadening financial inclusion and supporting the region’s #digitaleconomy in partnership with regulated financial institutions. Grateful to our new and returning partners for their trust. Full media release: https://lnkd.in/gjg6DfND #digitalfinance #funding #digitaleconomy #Atome #AtomeFinancial

A productive week of regulatory and industry engagement for Atome Malaysia 🇲🇾 Atome took part in the recent Consumer Credit Oversight Board (CCOB) Industry Roundtable, facilitated by the FinTech Association of Malaysia, engaging with CCOB Task Force Chief Abu Hassan Alshari Yahaya and industry peers ahead of the Bill’s gazettement and establishment of the Consumer Credit Commission. ⚖️📊 Key discussion areas included: • A unified regulatory regime for all credit and credit services • Strong market conduct and #responsiblelending practices • Industry standards anchored on fairness, efficiency, and transparency The phased regulatory roadmap (2025–2030 and beyond) reflects a confident, consultative, and clear regulatory environment that supports sustainable and responsible industry growth. We also joined Money20/20 Kuala Lumpur 🎤🌏, where Bernard Chan, Deputy CEO of Atome Financial, took part in a thoughtful panel titled “Key Fintech Trends 2026 in Malaysia and APAC: The Future of Money" with moderator Danny Levy and Anil Singh Gill. The discussion explored how traditional credit models were not built for today’s generation of consumers in SE Asia — many of whom lack payslips, formal employment and long credit histories—and how #fintech can redesign credit systems to enable wider #financialinclusion and empower this generation to fuel the #digitaleconomy and modern #retail. We value these ongoing conversations as we continue working closely with regulators and industry partners to advance responsible and #inclusivefinance. #AtomeMY #responsiblefinance #BNPL #digitaleconomy #Malaysia

Proud to share a recent #CSR initiative by Atome Finance Indonesia in Tanjung District, North Lombok — a designated frontier and remote region with strong cocoa farming potential, but limited access to modern tools and financial education.🇮🇩🇮🇩 This programme focused on two key areas: 🚜 🌱 Farming equipment We supported local cocoa farmers with essential agricultural equipment, including grass cutters, chainsaws and a multifunctional three-wheel vehicle . These tools were provided based on the farmers’ actual needs, helping to improve efficiency in crop maintenance, harvesting and distribution — work that has traditionally been done manually. 📚 💡 Financial and digital literacy workshop We also conducted a financial literacy workshop to strengthen understanding of safe and responsible use of digital #financialservices, while also raising awareness of increasing digital #fraud risks that often target rural communities. Through initiatives like these, we aim to support sustainable livelihoods and contribute to inclusive growth through productivity, #education and #community empowerment. Meri Ui Marfian Siregar Dewi Citrowati Vemil Putra Laurentius Irwan #Indonesia #financialinclusion #AFI #financialliteracy #education #Atome

Honoured to have been invited to speak at the ASEAN E-Commerce Conference 2025 in Kuala Lumpur, #Malaysia. Atome's Group Chief Compliance and Government Affairs officer James Quisumbing joining a distinguished panel alongside key industry leaders shaping the future of #consumercredit in Malaysia and the region. During our panel, The Future of Credit: How #BNPL is Redefining Consumer Finance in #ASEAN, we shared our perspective on why: 💳 traditional credit models were not built for today's new generation of ASEAN consumers - digitally and mobile-first but financially invisible. 🧑💻 why BNPL has become the primary gateway into credit for young people, first-jobbers, the unbanked who don't have regular payslips, extensive credit histories or minimum incomes 🛡️ how BNPL fills the gap, not by lowering standards, but redesigning the entire #risk framework ⚖️ how a robust regulatory framework that protects consumers while letting innovation flourish is necessary for this generation of ASEAN consumers to power today's digital and retail economy. Thank you to the moderator Siraj Jalil, President, Malaysian Cyber Consumer Association (MCCA), Dato' Indrani Thuraisingham, Vice President, FOMCA - Federation of Malaysian Consumer Associations and Abu Hassan Alshari bin Yahaya, Head of Consumer Credit Oversight Board for the lively discussion. Looking forward to continued collaboration with regional partners as ASEAN advances the next chapter of digital commerce and financial innovation. #ecommerce #consumerprotection #BNPL #regulation #ASEAN #Atome