What is Buy Now Pay Later? The idea of splitting an expensive purchase into multiple instalments is not new. Banks and consumer companies have been offering it for many years. But unlike existing services, Buy Now Pay Later (BNPL) providers — many of them startups — do not need to see your credit score to offer you instalment plans. Popular BNPL Providers Source: https://www.digitalnewsasia.com/business/buy-now-pay-later-platform-atome-launches-malaysia Atome Launched in 2019, Atome is one of the most well-known BNPL providers in Southeast Asia. They have a strong presence both online and offline and you can use it to shop with brands such as Sephora, Dyson, and Tangs. For in-store purchases, you scan and pay via the QR code provided with your mobile phone. Atome also offers online shopping vouchers. First-time Atome users are given S$10 off their first online purchase. Atome handles each payment by automatically deducting from the designated credit or debit card. Just make sure there are sufficient...