Growth momentum Leverage Atome Financial's strong 2025 revenue growth and expanding BNPL lending book across Southeast Asia to position upsell opportunities for merchant solutions, card programs, and cross-border payment capabilities with regional banks and fintech partners.

Fintech partnerships Target financial institutions and large e-commerce platforms already collaborating with Atome or exploring digital credit to offer integrated BNPL, merchant financing, and seamless checkout experiences that can scale across Southeast Asia.

Strategic funding With a diverse investor base and substantial funding (over USD 600M raised) and credit facilities (e.g., HSBC facility), pursue co-development of risk, data analytics, and underwriting platforms to improve credit decisions and operational efficiency for partners.

Tech stack leverage The existing technology footprint including data analytics, cloud, and developer tooling presents a gateway to offer tailored SaaS analytics, fraud prevention, and customer insights services to financial and e-commerce clients.

Regional expansion capitalize on Southeast Asia growth by offering scalable BNPL infrastructure and merchant solutions to countries where Atome is expanding, aligning with local regulatory tech, credit models, and cross-border payments to accelerate market penetration.