Kristine Kapst

Atome is part of Advance Intelligence Group, one of the largest independent financial services-focussed technology startups in Asia. Backed by investors such as Softbank Vision Fund 2, Warburg Pincus, Northstar Group, Standard Chartered Bank and Singapore-based EDBI, the Group has raised over USD 700 million in funding to-date and has secured capital in excess of USD 1 billion supporting its credit book. Today, the Group serves over 500 enterprise clients, 235,000 merchants and 40 million individual consumers. Since inception, it has disbursed over USD 4 billion in loans. Atome is Southeast Asia's leading "buy now, pay later" brand which offers consumers greater financial access and flexibility, allowing them to split their bills into flexible deferred payments over time. Short for "Available to Me", A-To-Me partners over 15,000 online and offline retailers across key verticals such as fashion, beauty, lifestyle, fitness and homeware in offering their consumers choice, flexibility and convenience in how they choose to shop and pay. Our three core brand pillars are "aspirations, access and advice", and our goal is to empower a new generation of tech-savvy consumers with smarter access to their aspirations. Our tagline, “Time to Own It”, plays on the core concept of time; in how Atome helps people to pay and afford products and services over time, but at a deeper level, it’s also an immediate call to action for consumers to own their deepest passions and aspirations. Under the umbrella of Atome Financial, Atome also offers a range of financial services, including Cards and micro-lending with a goal of providing affordable access to credit to majority of unbanked and underbanked population across ASEAN.