The Smile API Podcast Welcomes Atome BNPL's Xavier Peh to Discuss Fintech, AI, and Financial Inclusion

This podcast discusses Atome's credit risk assessment process, how it varies across different regions, and the role of employment data in ensuring reliable and secure credit assessments.

Manila, Philippines – The Smile API Podcast, hosted by Smile’s CEO Jerome Eger, is excited to announce a new episode featuring Xavier Peh, a seasoned professional with over a decade of experience in regional payments, technology, and financial services. Xavier Peh's career spans reputable companies such as Visa, Grab, Binance, and his current position as a key member of the card payments commercial team at Atome, based in Singapore.

Xavier Peh's diverse background in the fintech sector raises the question: What does it take to be a successful Business Development (BD) manager in the dynamic fintech industry? In this episode, Xavier shares his insights and experiences that have contributed to his success as a BD manager.

Atome, an emerging leader in the Buy Now, Pay Later (BNPL) space, is at the forefront of innovation and customization in the financial services sector. During the podcast, Xavier discusses Atome's use of artificial intelligence (AI) to transform and tailor financial services for the benefit of its customers. He also talks about how the BNPL model offered by Atome caters to the evolving needs of consumers, highlighting the contrast with traditional credit models in an ever-changing financial landscape.

In the rapidly evolving fintech industry, maintaining a competitive edge is essential. Xavier sheds light on the strategies employed by Atome to ensure they remain at the forefront of the market. These insights are sure to inspire and guide aspiring fintech companies.

One of Atome's notable achievements is its ability to operate successfully in diverse markets. Xavier provides valuable insights into how the company tailors its strategies to promote financial inclusion and improve financial literacy in these distinct regions. He also shares a compelling success story of Atome's contribution to enhancing financial inclusion.

Balancing the convenience of credit accessibility with responsible spending is a critical concern in the fintech industry. Xavier shares how Atome navigates this challenge, ensuring that financial services are accessible without compromising consumer financial well-being.

The podcast also discusses Atome's credit risk assessment process, how it varies across different regions, and the role of employment data in ensuring reliable and secure credit assessments.

In the context of a rapidly changing regulatory landscape, Xavier talks about the challenges that Atome has faced and how the company has successfully navigated regulatory complexities in different countries. Additionally, he provides insights into Atome's vision for the future of fintech, offering a glimpse into how the company plans to contribute to the industry's evolution over the next five years.

The Smile API Podcast is thrilled to bring these intriguing discussions to its listeners, offering an opportunity to gain insight into the world of fintech, BNPL, AI, and financial inclusion from a distinguished expert like Xavier Peh.

Listeners can tune in to this episode through Smile’s Facebook, YouTube, and Spotify pages.


About Smile API

Smile API is a platform that offers user-authorized access to recent, comprehensive, and verified employment data, all with a user’s consent. With Smile, information is readily accessible in real-time, consolidating data from various sources through a single API.

About Atome

Atome is Southeast Asia's leading digital consumer financing platform, which offers users flexible payment, as well as smart saving and rewarding shopping options. Available across thousands of online and offline brands across the region, Atome offers consumers choice, convenience and flexibility in how they choose to shop and pay.


For more details about Smile API, contact Bianca Ulan, Marketing Director of Smile API.