About
Atome is a buy-now-pay-later app run in Singapore by Apaylater Financials Pte. Ltd., part of Singapore-based Atome Financial, which belongs to Advance Intelligence Group. At partner retailers online and in store, shoppers choose Atome and the purchase is split into three interest-free payments; some brands offer more time for a small fee. Atome Financial also issues the Atome Card, runs Indonesia's Kredit Pintar, and operates in Singapore, Malaysia, the Philippines and Indonesia. It reported gross merchandise volume above US$4 billion and revenue of US$470 million for 2025.
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