Millions of Filipinos could soon enjoy easier access to responsible credit as Maya Bank, the country’s leading digital bank, and Atome, Southeast Asia’s top digital finance platform, announced a groundbreaking ₱2.75 billion (US$48 million) loan channeling partnership.
The collaboration seeks to expand affordable, transparent, and flexible financing options across the Philippines, particularly benefiting consumers and small businesses that remain underserved by traditional lenders.
“We are deeply honored to partner with Maya Bank, a true trailblazer in digital banking,” said Christian Quiros, President and Country General Manager of Atome Philippines. “Together, we are expanding access to responsible, risk-managed, and transparent payment options that make more products and services truly ‘Available-To-Me’ for millions of Filipinos.”
Maya Bank: Expanding responsible financing
Photo shows (from left:) Jefferson Chen, CEO, Atome Financial; Chris Quiros, Country General Manager, Atome Philippines; Angelo Madrid, President, Maya Bank; Manu Panda, COO, Maya Bank
Under the partnership, Maya Bank will power Atome’s loan channeling initiative, giving more creditworthy Filipinos the chance to access responsible financing at scale. As the licensed digital bank operating within the broader Maya ecosystem, Maya Bank combines payments, savings, credit, and deposits in one integrated platform, serving both individual consumers and enterprises nationwide.
Angelo Madrid, President of Maya Bank, emphasized the wider impact of the deal, stating, “This collaboration leverages digital technology to bring fast, secure, and responsible financing into the hands of underserved customers. It’s about helping Filipinos build financial confidence and long-term resilience.”
Industry analysts note that the move comes at a time when demand for buy now, pay later (BNPL) and alternative credit solutions in the Philippines is accelerating. With traditional banks still hesitant to lend to first-time borrowers or microentrepreneurs, fintech partnerships like this are seen as critical in closing the financial inclusion gap.
Atome’s growth momentum
Founded in Singapore in 2019, Atome has grown rapidly into Southeast Asia’s leading digital finance platform. Initially recognized as the region’s largest embedded financing provider, the company now offers a broader suite of services including cards, lending, insurance, and savings.
Its scale continues to expand: in 2024, Atome processed over US$2 billion in Gross Merchandise Volume (GMV)across the region. By June 2025, annualized GMV had surpassed US$4 billion, buoyed by strong consumer adoption and merchant partnerships.
In the Philippines alone, Atome has already served over 4 million BNPL customers, making it one of the most widely used alternative credit providers in the country.
Maya Bank’s digital edge
Launched in 2022, Maya Bank has quickly cemented itself as the #1 digital bank in the Philippines, powering the financial experience across the Maya ecosystem. Its all-in-one app, Maya Business, and Maya Center cater to both consumers and micro, small, and medium enterprises (MSMEs).
Through innovative services spanning savings, deposits, and credit, Maya Bank is playing a pivotal role in digitally transforming how Filipinos manage money. This new loan channeling partnership underscores its strategy of combining financial technology with banking expertise to promote inclusive growth.
Building a more inclusive financial future
The ₱2.75B partnership between Atome and Maya Bank highlights a broader trend of collaboration between fintech players and digital banks to reshape financial access in emerging markets. For millions of Filipinos who have historically struggled to secure loans, this initiative could mean easier access to capital for education, livelihood, homeownership, or simply everyday needs.
By anchoring on transparency and risk management, both companies are seeking to position flexible credit not as a burden but as a tool for empowerment and opportunity.
As Madrid noted, the collaboration is not only about expanding credit — it’s about building financial resilience for the long term.
With Atome’s regional scale and Maya Bank’s strong foothold in the Philippine digital economy, the partnership represents a milestone in responsible, technology-driven financial empowerment.
About Atome
Atome is Southeast Asia’s leading digital finance platform, part of Singapore-headquartered Advance Intelligence Group, backed by top investors including SoftBank Vision Fund 2, Warburg Pincus, Northstar, and EDBI.
About Maya Bank
Maya Bank, Inc. powers the Maya ecosystem, including the Maya app, Maya Business, and Maya Center. A pioneering digital bank supervised by the Bangko Sentral ng Pilipinas (BSP), Maya Bank provides innovative services from savings and deposits to credit. Deposits are insured by the Philippine Deposit Insurance Corporation (PDIC) up to ₱1 million per depositor.
For more information, visit www.mayabank.ph.
