Bisnis.com, JAKARTA - Deferred payment service financing company (BNPL/paylater) PT Atome Financial Indonesia or Atome welcomed the fourth quarter/2021 with joy, seeing its flagship merchant dominated by the retail sector began to attract visitors. Winardi Wijaya, General Manager of Atome Indonesia, explained that the easing of the Covid-19 pandemic and the return of public purchasing power is the main driver of this optimistic projection. "Quarter IV/2021 is an important period for our merchant partners, as there are 10.10, 11.11, 12.12, [harbolnas] and year -end sales uplift seasons. Moreover, we partnered with major retail companies such as MAP group and H&M Group to engage in seasonal sales launches. the end of their year, "he told Bisnis, Friday (24/12/2021). For information, Atome is a paylater provider that focuses on becoming the ruler of the retail sector, especially fashion and lifestyle. Reflected from the realization of strong partnerships with more than 300 online merchants and offline merchants. Covers more than 4,000 stores, including parts of the MAP Group, such as Zara, Mango, Foodhall, Sephora, Planet Sports, Sogo, and others; Giordano Group includes Giordano, Nike, and similar brands; H&M; ZALORA; Sun Dept Store; Kanmo Group; Star Department Store; Salt n Pepper; ALDO, iStyle.id; Bata; Buccheri; JD.ID; Scandia; Agoda; Gramedia; and Xiaomi. "The fashion and lifestyle segment is still the main focus of Atome. Especially because we have seen a very strong interest in this segment, especially from millennial and generation Z users in Indonesia," he added. Winardi explained that the return of many people to visit shopping malls and offline merchants is also one of the good news before the end of this year. According to him, the experience in the store remains a big influence for retail merchants. "Our users also sign up and use Atome because they are interested in products or offers from our network of merchants. Based on our portfolio of Tier 1 merchants such as MAP, ZALORA, H&M, and also Matahari Dept Store, the best-selling brands are items with transactions. in the range of Rp600 thousand to Rp800 thousand, "he said. With experience in nine markets, including Singapore, Malaysia, Hong Kong, Taiwan, Vietnam, the Philippines, Thailand, and mainland China, with more than 5,000 online and offline merchants in the region, Atome is ready to welcome the rising momentum of retail brands. "Our services can be easily integrated into stores, websites, or mobile applications. From the point of view of merchant partners, we are critical to helping them transition to online businesses and build their online sales channels, especially during the Covid-19 pandemic," he said. Winardi. Atome can also provide more value through retail merchant partner staff training support, more in -store promotion teams to support partners, assist partners through analytics, marketing and branding support such as accommodating a partnership with South Korean male singer group ASTRO. Meanwhile, in terms of capital to support operations, Atome has just partnered with Standard Chartered as a strategic partner worth US $ 500 million over 10 years to increase the paylater market share in all Atome regions. Atome aspires to reach more than 16 million customers by 2025. "This synergy with Standard Chartered includes financing and collaboration on co-branded products in key markets in Asia. Merchant partners must gain great trust to welcome this opportunity, as we will also be investing heavily in the growth of their business. For example, through partnerships, joint marketing campaigns, superior business analytics, and more, "he concluded.