Smile API, Atome Partner to Enhance Shopping and Payment Experience in the Philippines

This partnership will provide consumers in the Philippines with more inclusive access to credit.

MANILA, PHILIPPINES, January 22, 2024 - Smile API, a leading infrastructure provider that offers real-time access to comprehensive income and employment data, has announced a data partnership with  Atome, Southeast Asia's leading digital financial services platform.

The data partnership is set to enhance the customer onboarding and payment experience in the Philippines through greater financial inclusivity and data-driven decision-making.

"By partnering with Atome, we aim to improve shopping and payment options for people in the Philippines and the wider Southeast Asian region," said Jerome Eger, CEO of Smile API. "In this part of the world, many individuals can live without a bank account but not without a job. In this way, they can approve access to credit for those who might have been left out by traditional credit rating methods, which still rely heavily on data coming from bank accounts and credit cards, making shopping easier and more convenient for those who really need it.

Through the use of data from a variety of sources such as employment documents, HR and payroll systems, gig platforms, and social security systems, Smile API makes it possible for Atome to strengthen credit decisioning, resulting in an easy and pleasant shopping experience for consumers in the Philippines.

Through this data partnership, Smile API and Atome will provide consumers in the Philippines with more accessible, convenient, and inclusive access to credit.


About Smile API

Smile API is a leading provider of employment data for credit decisions. The company provides lenders with employment data from multiple platforms, all through a single API, enabling lenders to make better decisions, increase adoption and conversion, reduce costs, and lower risks.

About Atome

Atome is Southeast Asia's leading digital financial services platform, evolving from a buy now pay later and embedded financing platform into a comprehensive provider of digital financial services that includes insurance, cards and loans in various markets. Leveraging its unique expertise in risk-managed credit and responsible financing, Atome is committed to enhancing digital and financial inclusion through technology. Atome is part of Singapore-headquartered Advance Intelligence Group, an AI-driven technology company that consists of an ecosystem of AI-powered, credit-enabled products and services that includes consumer financing, digital identity verification and risk management, as well as enterprise resource planning software.


For more details about Smile API, contact Bianca Ulan, Marketing Director, email: