Atome

Atome is a Singapore-based digital finance platform that provides embedded consumer financing and buy-now-pay-later (BNPL) solutions across Southeast Asia. The company partners with merchants to offer flexible payment options, cards, lending, insurance and savings products, enabling consumers to split purchases into instalments and access short-term credit at point of sale. Atome combines merchant integrations, risk management and consumer-facing apps to improve conversion for retailers while expanding financial access for consumers through technology-driven credit and payments services.