About Us

Our mission in the Philippines is to provide accessible and convenient financing and other financial services to

And our vision is to become the foremost financial services provider in the Philippines through digital means
which are dependable and accessible for each and every Filipino.

Financial inclusion refers to the ease of access to relevant financial services for individuals and businesses alike.
In a financially inclusive society, financial services such as savings, payments, remittance, credit, insurance, and
investments are affordable, accessible and meet the needs of the customers. The World Bank states that Financial
inclusion is a key enabler to reducing poverty and boosting prosperity.

In 2018 Economist Intelligence Unit (EIU) ranked the Philippines fourth among 55 countries in Financial Inclusion.
But despite the high ranking, the Philippines still faces major Financial inclusion hurdles.

According to the Bangko Sentral ng Pilipinas (BSP) 77.4% of Filipino adults remain unbanked in 2017. According to
the the World Bank’s Global Findex database, only 1.9% of Filipino adults owned credits cards in 2017. And while
the country’s poverty rate has been declining at a steady rate since 2012, it still remains high at 21.6% in 2018.

This is why Atome is working to improve Financial Inclusion in the Philippines. We believe that Financial Inclusion
can help improve the lives of each and every Filipino. Atome is offering Financial Technology (FinTech) solutions
that can improve Financial Inclusion in the country. Easy access to credit which can be used as capital for business
or means to pay for education, safe and secure financial transactions. Through the use of data-driven,
human-centered technologies, Atome can help the Philippines become truly Financially Inclusive.


Atome is registered as NeuronCredit Financing Company Inc
Company Registration No. CS201816338
Certificate of Authority No. 1178
Reminder: Study the T&C, Disclosure Statement and Loan Agreement before proceeding with the Loan


1605, 16F, The Centerpoint, Julia Vargas corner Garnet Road, Brgy. San Antonio, Ortigas Center
Pasig City, Philippines, 1605

Company History

In Early 2019

Kredit Pintar PH was rebranded to Atome. Atome is continiously working to offer more and better products that help the underbanked.

In Late 2018

Neuroncredit Financing Company Inc, a subsidiary of Neuroncredit Pte Ltd (Singapore) was launched in the Philippines. The Kredit Pintar brand was launched in the country with the same quality and service, helping financial inclusion in another country in the region.

In Mid 2017

Kredit Pintar, a subsidiary of Neuroncredit Pte Ltd was started in Indonesia. Through partner’s technology Advance.ai, fast, convenient, safe loans are made accessible to the under/un-banked.

In 2015

Atome is a brand of Neuroncredit Pte Ltd started in Singapore. The company utilizes artificial intelligence to provide better and faster services.