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Sep 9, 2025 -- KIV is set to invest in Atome Thailand through a joint venture with Neuroncredit Pte. Ltd., a Singapore-based entity under Advance Intelligence Group. Atome is the largest Buy Now, Pay Later (BNPL) provider in Southeast Asia, and has expanded to also offer cards, lending, insurance and savings products. Atome's services are available in Singapore, Malaysia, Indonesia, the Philippines, and Thailand. KIV's investment will enhance greater access to risk-managed, transparent flexible payment options that make products and services truly "Available-To-Me" for millions of Thais, under a policy that emphasizes disciplined spending in line with responsible and fair lending guidelines.
Mr. Patchara Samalapa, Group Chairman of KASIKORN INVESTURE COMPANY LIMITED (KIV), said, “KIV, a holding company under KASIKORNBANK FINANCIAL CONGLOMERATE, was established to invest in companies in partnership with business partners. This is in line with the Bank’s strategies, aimed at empowering every customer’s life and business, as well as providing retail customers more flexible access to credit in the prevailing economic environment. This is achieved by offering customers new options to access goods and services, which enable them to plan their spending with discipline.”
“KIV’s investment plan in Atome Thailand, with a stake of more than 50 percent, will provide the Bank with opportunities to connect its network with merchants, expand its customer base for joint business growth, and extend its merchant network to better serve diverse lifestyles and target groups. This creates more opportunities for consumers to access the products and services they need, while being able to plan their spending with discipline. The operations will be carried out under the policy of ensuring quality new lending, together with responsible and fair lending guidelines,” Mr. Patchara added.
Mr. Jefferson Chen, Co-founder, Group Chairman and CEO of Advance Intelligence Group, and CEO of Atome Financial, said, “This joint venture with KIV marks an important step in expanding access to flexible
payment options and providing greater convenience for consumers in Thailand. Atome's record performance in 2024 and 1H2025 reaffirms the strength of our platform and our ability to grow sustainably while delivering real value to consumers and partners. By combining Atome’s regional expertise and AI-driven credit underwriting technology with KASIKORNBANK FINANCIAL CONGLOMERATE’s strong ecosystem, Thai consumers can enjoy greater freedom and confidence in shopping and managing their finances — from daily essentials to online shopping and lifestyle experiences.”
For Atome’s services in Thailand, the application can be used to purchase goods at partner stores both in-person (offline) and online. Currently, customers can split their payments for such goods and services into three zero-interest installments with no service fees. Popular categories include fashion, beauty and wellness, travel and lifestyle. In 2024, Atome processed over US$2 billion in Gross Merchandise Volume (GMV) across the region. Powered by merchant partnerships and growing consumer adoption, annualised GMV already surpassed US$4 billion in June 2025, with strong momentum heading into the year-end holiday season.
About Atome
Atome is a leading digital financial services platform in Southeast Asia. It operates under Advance Intelligence Group, a Singapore-based fintech company backed by top global financial institutions and investors. To date, the Group has raised more than 700 million USD (approximately 23.1 billion Baht) in funding. Atome officially launched in Thailand in 2021, and has since partnered with leading beauty, fashion, and lifestyle brands – both online and in-store.
* Please carefully consider your needs and repayment ability. Interest is charged at 0-15% p.a.
** According to the Bank of Thailand’s Notification No. 3/2568 Re: Regulations on Responsible Lending, service providers must create and control advertisements with content that is “accurate and clear,” “comprehensive and allows for comparison of terms, interest rates, and fees,” and “does not encourage excessive borrowing.” This is to ensure that customers receive and sufficiently understand the necessary information from advertisements to make informed decisions on using products, and to promote financial discipline.