
<p>With the exponential rise in prices, it is understandable why more people are opting for hire purchase and leasing route than paying for products in one go. Most people have no other choice but to find alternatives to maintain their current lifestyle. </p>



<p>After all, if replacing a faulty refrigerator is too costly and causes a burden to your wallet, you may prefer to use hire purchase instead. You get to use the item while you pay for it in installments, and it is yours when the payments are all made, making it an extremely convenient option. <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/on+the+other+hand">On the other hand</a>, leasing a refrigerator would mean you get to use it but never own it. Read along to learn more about the two possibilities and what sets them apart.</p>



<h2 class="wp-block-heading"><strong>What is hire purchase&nbsp;and its features?</strong></h2>



<p>Hire purchase basically means paying for consumer goods with an initial down payment followed by monthly installments. As you are paying in parts, there is interest involved &#8211; hence, the total amount paid is higher than the original value. For example, if you buy a product worth $1000 via hire purchase, the owner might ask for $1700.</p>



<p>Here&#8217;s the hire purchase formula that&#8217;s commonly used: deposit + total monthly payments.</p>



<p>If you are looking to buy something expensive, this payment <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/method">method</a> comes in handy. It is easy to understand and does not involve a ton of calculations.&nbsp;</p>



<p>While hire purchase is largely similar to installment plans, there are some differences too. With hire purchase, you get access to the goods after making the down payment, but the ownership is handed over after all the payments are transferred. On the contrary, according to some installment plan agreements, the buyer gets ownership of the product at the very beginning. </p>



<p>The act of hire purchase is beneficial not only to the buyer but the seller as well. Since the ownership is withheld until the completion of payment, the seller has the power to repossess the item, in the case of missed installments. </p>



<p>Hire purchase proves to be advantageous for a lot of businesses too, especially if they lack capital. If you are an up-and-coming business or a freshly launched start-up that needs new machinery or other assets but does not have enough cash to pay for it at once, then hire purchase is the way to go. You will not only get what you want, but it will also be yours after a certain amount of time. This is also great when you do not have enough collateral to get a line of credit. </p>



<h2 class="wp-block-heading"><strong>Pros and cons of hire purchase&nbsp;</strong></h2>



<p>Now that you know the&nbsp;meaning&nbsp;of&nbsp;hire&nbsp;purchase, it might be good to assess the advantages and disadvantages.&nbsp;</p>



<h3 class="wp-block-heading"><strong>The benefits</strong></h3>



<ul>
<li>Hire purchase enables you to upgrade to the latest products rather easily. The finer things are no longer out of reach. </li>



<li>You are able to afford expensive consumer goods without going over budget or putting a dent in your savings.&nbsp;</li>



<li>Following the down payment, you get to use the item to your liking even before all the installments are made. There is no waiting involved.&nbsp;</li>



<li>By the end of the agreement period, if you have been able to keep up with the monthly installments, you become the legal owner of the item in question.&nbsp;</li>



<li>Hire purchase does not come with a plethora of restrictions when it comes to using the product since you are going to own it eventually, unlike a lease or renting situation.&nbsp;</li>



<li>You have the liberty to pay off all the installments before the agreed-upon time for early possession.&nbsp;</li>



<li>This form of payment does not require you to have a perfect credit score.&nbsp;</li>
</ul>



<h3 class="wp-block-heading"><strong>The drawbacks</strong></h3>



<ul>
<li>Since you are paying for a good in parts as opposed to buying it outright, hire purchase comes with interest. This means you are paying more than the retail value in the long run.&nbsp;</li>



<li>An extended agreement period would mean smaller installments, but it would also mean paying more in interest.&nbsp;</li>



<li>While your credit score does not affect your eligibility for hire purchase, it does play a significant role in deciding the interest rate. A bad score typically equates to a higher rate.&nbsp;</li>



<li>Despite having possession of the good, you are not eligible to sell it until all of the money has been paid off.&nbsp;</li>
</ul>



<figure class="wp-block-image size-full"><img data-attachment-id="10420" data-permalink="https://blog.atome.sg/online-shopping-ideas/hire-purchase-vs-leasing-atome/attachment/hire-purchase-2/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Hire-Purchase.png?fit=950%2C632&amp;ssl=1" data-orig-size="950,632" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="Hire-Purchase" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Hire-Purchase.png?fit=300%2C200&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Hire-Purchase.png?fit=640%2C426&amp;ssl=1" decoding="async" loading="lazy" width="640" height="426" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Hire-Purchase.png?resize=640%2C426&#038;ssl=1" alt="" class="wp-image-10420" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Hire-Purchase.png?w=950&amp;ssl=1 950w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Hire-Purchase.png?resize=300%2C200&amp;ssl=1 300w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Hire-Purchase.png?resize=768%2C511&amp;ssl=1 768w" sizes="(max-width: 640px) 100vw, 640px" data-recalc-dims="1" /></figure>



<h2 class="wp-block-heading"><strong>What is&nbsp;leasing?&nbsp;</strong></h2>



<p>You must have heard phrases like&nbsp;leasing&nbsp;a&nbsp;car&nbsp;or leasing my apartment; allow me to shed some light on the&nbsp;meaning of&nbsp;lease.&nbsp;</p>



<p>A lease allows you to rent an object for a certain period of time, during which you pay a fixed amount to the actual owner on a monthly basis. The person getting temporary access to the good is known as the lessee, and the owner is known as the lessor.&nbsp;</p>



<p>There are many possibilities available, from leasing property and cars to machinery. </p>



<p>Just like in the case of any other legally-binding agreement, breaking a lease contract in any way can have serious consequences for the party at fault. Breaking a lease without prior notice can land you. It might become challenging to lease something in the future, or you might end up losing the security deposit. </p>



<p>A lot of lease agreements come with early termination clauses that prove to be beneficial for the lessee, especially in long-term situations. One such clause is about the inability of the lessor to maintain the quality of the good in question; this gives the lessee an opportunity to end the lease before the decided-upon period is over.&nbsp;</p>



<h2 class="wp-block-heading"><strong>The difference between hire purchase and leasing&nbsp;</strong></h2>



<p>The chief distinction between the two is regarding the ownership of the product. By the end of a hire purchase agreement, you get ownership of the product, so there is no need to extend the agreement if you wish to keep using it. <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/on+the+other+hand">On the other hand</a>, a lease implies that you are renting an object, and by the end of the time period, you either return it or request an extension.&nbsp;</p>



<p>The monthly amount you pay in case of hire purchase includes interest, while lease installments are typically free of interest.&nbsp;</p>



<p>Now whichever one you choose depends on the need of the hour. If you require something for a brief period of time, then leasing it might be the way to go. If you need an item permanently but cannot afford to pay for it upfront, hire purchase makes for a suitable alternative.&nbsp;</p>



<h2 class="wp-block-heading"><strong>Buy now, pay later and Atome</strong></h2>



<p>One cannot discuss convenient payment methods without including the buy now, pay later services.</p>



<p>One such application that allows you to pay for your purchase in smaller amounts is <a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a>. It is a cutting-edge that aims to make products and services more accessible for its users. </p>



<h3 class="wp-block-heading"><strong>Atome review</strong></h3>



<ul>
<li>Choosing <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a> as the payment <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/method">method</a> splits your bill into three smaller payments that are then paid at scheduled intervals.&nbsp;</li>



<li>Said payments are free of interest, and you are only supposed to pay off the exact amount that was spent.&nbsp;</li>



<li>Paying with <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a> gives you the liberty to invest in expensive items without having to worry about going over your monthly budget.</li>



<li>You get complete access to the purchased item after the initial payment. The application automatically charges each payment to the linked credit or debit card.&nbsp;</li>



<li>Users are not charged extra money in the name of service or additional charges. Downloading the app (<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">get it here</a>) and signing up for it are free.&nbsp;</li>



<li>Atome is affiliated with over 10,000 local and international brands, which means you can conveniently pay for almost every other product and service out there.&nbsp;</li>



<li>The best part is that this user-friendly application can be used to pay for your online and in-store shopping. </li>



<li>Users a myriad of exclusive discount vouchers and promotional codes at various partner brands. </li>



<li>New members receive a discount voucher worth $10 on their first purchase made with Atome.&nbsp;</li>



<li>Missing a payment results in the suspension of your Atome account until all the dues are cleared. Under such circumstances, you are also required to pay an administrative fee.&nbsp;</li>
</ul>


<div class="wp-block-image">
<figure class="aligncenter size-full"><img data-attachment-id="8605" data-permalink="https://blog.atome.sg/online-shopping-ideas/tools-of-relaxation-ogawa-massage-chair/attachment/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?fit=200%2C200&amp;ssl=1" data-orig-size="200,200" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="Atome app | Buy Now Pay Later | BNPL" data-image-description="&lt;p&gt;Scan QR code to download Atome app for &#8216;buy now pay later&#8217; shopping experience&lt;/p&gt;
" data-image-caption="&lt;p&gt;Scan QR to download the Atome app&lt;/p&gt;
" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?fit=200%2C200&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?fit=200%2C200&amp;ssl=1" decoding="async" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1651678598743.png?w=640&#038;ssl=1" alt="Scan QR to download the Atome app" class="wp-image-8605" data-recalc-dims="1"/><figcaption class="wp-element-caption">Scan QR to download the Atome app</figcaption></figure></div>


<h2 class="wp-block-heading"><strong>Thoughts</strong></h2>



<p>Inflation is a very valid and real concern but feasible payment methods like Atome make it possible for us to afford various necessities and luxuries. While hire purchase and lease are great options, Atome remains my favorite. You can use it to pay for a boatload of items without being charged any interest. Download the fantastic app now and get shopping!</p>
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Hire Purchase VS. Leasing – The Tools for Battling Inflation 


<p>Fraud&nbsp;has a wide range of implications. In 2021, the US alone had 847,376 Internet fraud complaints lodged, with total losses reaching $6.9 billion, as&nbsp;reported by the FBI. Learn more about fraud &#8211; how to identify it and how to prevent yourself from falling prey on the internet.</p>



<h2 class="wp-block-heading"><strong>What is internet fraud?</strong></h2>



<p>Internet fraud makes use of the Internet to commit cybercrime fraud</p>



<p>Thi includes ransomware, viruses, unauthorised access to your computer, and hacking into your account to gain personal information such as your credit card details or identity numbers. With these details, scammers could possibly make purchases or transfer money out of your account.</p>



<h2 class="wp-block-heading"><strong>The consequences of Internet Fraud</strong></h2>



<p>There have been several incidents that targeted large banks in particular. In March 2020, over 200,000 credit card details were published online from top banks in Southeast Asia, including Singapore. </p>



<h2 class="wp-block-heading"><strong>How to identify fraud</strong>?</h2>



<p>Consider this, you receive a message that someone made an unathorised transaction from your bank account. Or, you get a payment confirmation for a purchase you never made, but the money&#8217;s already transferred out of your bank account.</p>



<p>Initially, you don’t know what happened, but then realised that there was a text message from an unknown number asking you to confirm your bank account details. Or maybe you signed up for an account on a suspicious website and entered your personal information.</p>



<p>While it’s hard to prevent scams completely, you can take steps to identify them and protect yourself.</p>



<p>First, never answer texts, emails, or calls from unknown numbers asking you to update your credit card information and passwords. Scammers often use urgent language to try to instill panic and get you to reveal personal information.</p>



<p>E-commerce websites are designed to look professional and legitimate, but never give them your information. Check social media reviews if anyone has ordered from them and ensure it&#8217;s a well-known brand.</p>



<p>Ensure you are alerted of any bank transactions and track your transactions to ensure there&#8217;s no suspicious activity. And finally, refrain from making online purchases on public Wi-Fi because such an unsecured connection can allow hackers to steal your information or inject your hardware with malware.</p>



<h2 class="wp-block-heading"><strong>Why you are safe when using Atome</strong></h2>



<p>Established in December 2019 in Singapore, <a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a> rose to meet the growing demand for <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Buy Now Pay Later</a> (<a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">BNPL</a>) services, the company has entered several countries worldwide, including Indonesia, Hong Kong, Philippines, Thailand, Mainland China, Malaysia, Singapore, and Vietnam.</p>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a> is the choice of thousands of users.</p>



<p>All you have to do to get started is&nbsp;<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">download the app</a>&nbsp;and register your account to start shopping.</p>


<div class="wp-block-image">
<figure class="aligncenter size-full"><img data-attachment-id="8605" data-permalink="https://blog.atome.sg/online-shopping-ideas/tools-of-relaxation-ogawa-massage-chair/attachment/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?fit=200%2C200&amp;ssl=1" data-orig-size="200,200" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="Atome app | Buy Now Pay Later | BNPL" data-image-description="&lt;p&gt;Scan QR code to download Atome app for &#8216;buy now pay later&#8217; shopping experience&lt;/p&gt;
" data-image-caption="&lt;p&gt;Scan QR to download the Atome app&lt;/p&gt;
" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?fit=200%2C200&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?fit=200%2C200&amp;ssl=1" decoding="async" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1651678598743.png?w=640&#038;ssl=1" alt="Scan QR to download the Atome app" class="wp-image-8605" data-recalc-dims="1"/><figcaption class="wp-element-caption">Scan QR to download the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a> app</figcaption></figure></div>


<p>Atome ensures that their customers’ information isn’t compromised. As soon as you suspect or witness any fraudulent activity, you can inform Atome.</p>



<p>Atome protects your privacy and adheres to the PDPA (Personal Data Protection Act 2012) ensuring good policies and practices for handling personal data.</p>



<h3 class="wp-block-heading">How to Pay With Atome Merchants</h3>



<ul>
<li>Shop from any merchant<s>’s</s> online or  in-store and select Atome as your payment <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/method">method</a> when checking out.</li>



<li>Enter your account details and checkout.</li>



<li>Pay 1/3 of your purchase upfront, and the rest can be paid in two monthly payments.</li>
</ul>
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Atome: How to Identify If Your Electronic Identity Is in Danger


<p>The the internet has opened countless new horizons, and if we travel a couple of decades back, no one could have imagined how vastly the internet would impact our lives and how online shopping has been the highlight of the internet.</p>



<p>Everyone has different opinions and with every new change, people tend to online shopping and as such, there proof as to whether online shopping is better than its offline shopping. While both has its perks, some are more beneficial than the other, nothing can be carved in stone.</p>



<h2 class="wp-block-heading"><strong>Old is gold. Or is it?</strong></h2>



<p>Offline shopping dates back to ancient human civilizations, all the way back to the barter systems when there wasn&#8217;t even a concept of money or currency. Something that has been going on for thousands of years definitely would have garnered many advantages and disadvantages alike.</p>



<h3 class="wp-block-heading"><strong>Advantages of Offline Shopping/ Physical Shopping</strong></h3>



<p>There are plenty of advantages of offline shopping. Here are some of them:</p>



<h3 class="wp-block-heading"><strong>You get to see products first hand</strong></h3>



<p>When offline shopping, you get to see each product right in front of you. Whether you&#8217;re buying an electronic appliances, handbag or clothes, you get to feel the product, quality, and durability. Most importantly, you get to see what your clothes/ shoes looks like in real life without all the photoshop edits. As for electronics, when you&#8217;re spending a hefty amount on electronics such as mobile phones, TV, etc., it is important that you get to know that they&#8217;re functional and haven&#8217;t been damaged from the warehouse to the market.</p>



<h3 class="wp-block-heading"><strong>No shipping cost with offline shopping</strong></h3>



<p>Shipment costs are expensive. Shipment costs can get as high as the product&#8217;s cost at times, which is a real&nbsp;problem&nbsp;for those already on a tight budget. Offline shopping eliminates this problem since you&#8217;ll get the product yourself.</p>



<h3 class="wp-block-heading"><strong>Physical outlets help customers in making the right decisions</strong></h3>



<p>We&#8217;ve all been there. Shopping with an indecisive friend; Overthinking about every single product they want to or don&#8217;t want to shop for. And while shopkeepers/salespeople are of little help with this particular scenario, they come in quite handy when choosing between different electronic products. For example, if you wish to buy a computer, a mobile phone, or a gaming console, the salesman over there will help&nbsp;to check&nbsp;all the factors, such as specifications, price, and your level of expertise, and help you decide to choose what&#8217;s best for you. This is particularly helpful for novices in gaming and photography.</p>



<h3 class="wp-block-heading"><strong>Disadvantages of Shopping offline</strong></h3>



<p>Offline shopping isn&#8217;t all rainbows and sunshine. Here&#8217;s why offline shopping can be a big no for you:</p>



<h3 class="wp-block-heading"><strong>Time is money</strong></h3>



<p>If you believe that time is money, offline shopping is your biggest adversary. You can spend hours searching for a product you want, only to find yourself going in circles and finding it anywhere. Sometimes we come across something one of a kind, and it&#8217;s like finding a needle in the haystack, trying to shop for it offline. It&#8217;s less of a shopping experience and more of a treasure hunt. The biggest example of this is wrist watches; most companies make hundreds of different models daily, and finding the one you like in any store you walk into isn&#8217;t easy.</p>



<figure class="wp-block-image size-large"><img data-attachment-id="10181" data-permalink="https://blog.atome.sg/online-shopping-ideas/online-or-offline-shopping-atome-singapore/attachment/shop-online/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/shop-online.webp?fit=1245%2C700&amp;ssl=1" data-orig-size="1245,700" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="shop-online" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/shop-online.webp?fit=300%2C169&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/shop-online.webp?fit=640%2C360&amp;ssl=1" decoding="async" loading="lazy" width="640" height="360" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/shop-online.webp?resize=640%2C360&#038;ssl=1" alt="" class="wp-image-10181" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/shop-online.webp?resize=1024%2C576&amp;ssl=1 1024w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/shop-online.webp?resize=300%2C169&amp;ssl=1 300w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/shop-online.webp?resize=768%2C432&amp;ssl=1 768w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/shop-online.webp?resize=1200%2C675&amp;ssl=1 1200w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/shop-online.webp?w=1245&amp;ssl=1 1245w" sizes="(max-width: 640px) 100vw, 640px" data-recalc-dims="1" /></figure>



<h3 class="wp-block-heading"><strong>Shopping malls and markets are overcrowded</strong></h3>



<p>With the population constantly increasing, whether you&#8217;re in a mall or a market, there are just so many people everywhere. And when it&#8217;s a festival or a holiday, things get a lot intense because it&#8217;s as if everyone showed up at the mall at the same time.</p>



<h2 class="wp-block-heading"><strong>Embrace the change, adapt to online shopping</strong></h2>



<p>From&nbsp;<strong>shopping clothes online in Singapore</strong>&nbsp;to&nbsp;<strong>coffee shops</strong>,&nbsp;<strong>cake shops</strong>, or even searching for something as trivial as &#8220;<strong>bicycle shop near me</strong>,&#8221; you&#8217;re always just a click away from search results.&nbsp;</p>



<h3 class="wp-block-heading"><strong>Advantages of Online Shopping</strong></h3>



<p>Here are some of the perks you enjoy of shopping online:</p>



<h3 class="wp-block-heading"><strong>It&#8217;s a very time-saving process</strong></h3>



<p>Of course, the greatest disadvantage of offline shopping is the biggest advantage of shopping online; You search for something, and voila! Hundreds of search results show up. Compared to strolling through dozens of shops physically, you&#8217;d be scrolling through the internet, simultaneously saving your time and energy. And while it is healthier to walk through each store physically, online shopping is particularly an advantage to physically challenged individuals.</p>



<h3 class="wp-block-heading"><strong>It is a safe and hygienic practice</strong></h3>



<p>When the world stopped due to the pandemic, the internet didn&#8217;t. Having online shopping wasn&#8217;t a luxury at that time; rather, it was a necessity. Imagine staying in a home arrest and being devoid of the pleasure of shopping. Horrendous, right? And even when the day comes when the pandemic is completely history, you are always safe from the germs you&#8217;d be exposing yourself with in the&nbsp;<strong>shopping malls</strong>. Public spaces like markets and malls are the exchange centers for common viral illnesses and epidemics.</p>



<p><strong>Other advantages of online shopping</strong></p>



<ol>
<li>You get access to a wide range of products, which can be narrowed down based on the filter of your search</li>



<li>You can be entitled to exclusive deals and discounts which are not applicable on offline stores and physical purchases.</li>



<li>You can open multiple tabs to compare rivaling products before finalizing your purchase.</li>
</ol>



<h3 class="wp-block-heading"><strong>Disadvantages of Online Shopping</strong></h3>



<p>Just like the bad things can have a silver lining, the good things can also come at a cost:</p>



<h3 class="wp-block-heading"><strong>Uncertainty of product quality</strong></h3>



<p>You never know what will show up at your place. Especially relevant to&nbsp;<strong>shopping for clothes online</strong>&nbsp;and for shoes, bags, wallets, etc. You can&#8217;t be sure enough about the fabric being used, whether you&#8217;ll like it or not when the product is delivered to you, and most importantly, how the product looks in natural lighting without the editing and filters. You can&#8217;t try clothes or shoes to check how they look on you.</p>



<h3 class="wp-block-heading"><strong>Cybercrimes are rampant</strong></h3>



<p>If you are&nbsp;confident about entering your credit card details, you have all the reasons to stay on guard. Unless your internet is a secure connection and the website you&#8217;re shopping from is verified, you are always exposed to be swindled, robbed, and conned by individuals stealing credit/ debit card details. So always keep a lookout for the red flags when shopping online.</p>



<h3 class="wp-block-heading"><strong>Ordering a product is one story; getting it delivered is quite another</strong></h3>



<p>If you&#8217;re on a tight schedule and ordered something online, you&#8217;re in for a ride. The orders you place can take anywhere between a couple of days to a couple of weeks to get delivered. Unless a company is known for its fast delivery, shipments are almost always delayed due to the weather or other unforeseen circumstances, or the processing time is just too long for the product to get delivered. So, if you really need something, you&#8217;re short on time, and it&#8217;s only available online, we can feel your pain.</p>



<h2 class="wp-block-heading"><strong>Shop online and pay using Atome</strong></h2>



<p>Headquartered in Singapore, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a> is a Buy now, pay later (<a href="http://atome.sg" target="_blank" rel="noreferrer noopener">BNPL</a>) app. <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a> helps to ease the financial burden of hefty shopping by providing three monthly, interest-free payments. It&#8217;s available on both Android and iOS. <a href="http://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a> operates in 8 countries, including Singapore, Indonesia, Hong Kong, Mainland China, Thailand, Vietnam, and the Philippines. Atome is an E-commerce website that is exponentially growing, with over 10,000 online and offline merchants, including <strong>NTUC online shopping</strong>, <strong><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/singtel">Singtel</a> Online Shop</strong>, <strong>The Body Shop</strong>, and many more!</p>



<p>We know we have piqued your interest, and you want to know how it works. Click on the&nbsp;<a href="https://www.atome.sg/how-it-works" target="_blank" rel="noreferrer noopener">link</a>&nbsp;and find out! Moreover, when you create an account for the first time, you get a 10$ shopping voucher that can be used for any purchase! So, what are you waiting for?&nbsp;<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">Get the app now</a>!</p>


<div class="wp-block-image">
<figure class="aligncenter size-full"><img data-attachment-id="8605" data-permalink="https://blog.atome.sg/online-shopping-ideas/tools-of-relaxation-ogawa-massage-chair/attachment/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?fit=200%2C200&amp;ssl=1" data-orig-size="200,200" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="Atome app | Buy Now Pay Later | BNPL" data-image-description="&lt;p&gt;Scan QR code to download Atome app for &#8216;buy now pay later&#8217; shopping experience&lt;/p&gt;
" data-image-caption="&lt;p&gt;Scan QR to download the Atome app&lt;/p&gt;
" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?fit=200%2C200&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?fit=200%2C200&amp;ssl=1" decoding="async" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1651678598743.png?w=640&#038;ssl=1" alt="Scan QR to download the Atome app" class="wp-image-8605" data-recalc-dims="1"/><figcaption class="wp-element-caption">Scan QR to download the Atome app</figcaption></figure></div>


<h3 class="wp-block-heading"><strong>How to pay using Atome</strong></h3>



<p>· First, choose all the items you want to shop for, add them to your shopping cart and proceed to checkout.</p>



<p>· You will be displayed with many payment options; choose Atome.</p>



<p>· Next, you have to sign in to your Atome account. If you don&#8217;t have an account, you can create one today, completely free!</p>



<p>· Finally, you&#8217;re ready for the purchase. You must make an initial payment, a third of the total amount at the&nbsp;checkout.&nbsp;</p>
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Should You Shop Online or Offline?


<p>It is imperative that we be extra cautious with our&nbsp;<strong>personal information&nbsp;</strong>and its&nbsp;<strong>security</strong>, owing to the digitization of most processes. Everything is happening online via the internet, from paying bills to filing complaints. You can never know when sensitive information might fall into the wrong hands.&nbsp;</p>



<p>A Google search will tell you that data theft instances are more common than we think. People unknowingly end up revealing confidential information to the wrong sources. The intention here is not to frighten you; rather, it is to ensure that you are aware of the dangers of the internet and know how to keep yourself from falling prey to malicious hackers.&nbsp;</p>



<p>The act of stealing someone&#8217;s personal information is known as data theft. The target is digital information that is stored on servers, hard drives, computers, and other electronics. The stolen information can involve email addresses, passwords, social security numbers, passport numbers, flyer miles, addresses, phone numbers, credit card details, security pins, and account numbers. The list goes on.&nbsp;</p>



<p>The severity of the consequences depends on the information stolen. The culprit might alter the data keeping you from accessing personal information and accounts. They can go as far as to set up credit cards in your name or access an existing account. They can pose as you and establish an online presence. Some hackers even sell the stolen information.&nbsp;</p>



<p>Read along to find out different ways in which one can fall prey to information theft on the internet and how to protect yourself against it.&nbsp;</p>



<h2 class="wp-block-heading">How is your personal information disclosed?&nbsp;</h2>



<p>Since even the most mundane tasks are now done through the internet, almost every <strong>person&#8217;s</strong> <strong>background information</strong> and private data are present on the world wide web. This is how it falls into the wrong hands. </p>



<h3 class="wp-block-heading">Phishing</h3>



<p>It is a form of social engineering and has probably happened to most of us. It is a common way of releasing a virus into your computer or accessing personal information. The attacker tricks the target into opening a malware-rigged email or text message by pretending to be a trusted source.&nbsp;</p>



<h3 class="wp-block-heading">Faulty downloads</h3>



<p>One might unwittingly end up downloading a file or a program from a compromised website exposing their mobile phone or computer to hackers. These criminals might go on to steal confidential data and whatnot.&nbsp;</p>



<h3 class="wp-block-heading">Inside job</h3>



<p>Employees working at different companies have unrestricted access to a lot of your information. An error or an intentional act on their part can send your private information out into the world to be misused.&nbsp;</p>



<h3 class="wp-block-heading">Poor strength passwords</h3>



<p>If you are in the habit of writing down passwords, sharing them, or using the same password on different platforms, then it is high time to put an end to these practices. Cybercrime is on the rise, and a predictable password isn&#8217;t doing you any good.&nbsp;</p>



<figure class="wp-block-image size-full is-resized"><img data-attachment-id="10174" data-permalink="https://blog.atome.sg/online-shopping-ideas/information-security-atome-singapore/attachment/information-security/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/information-security.png?fit=600%2C400&amp;ssl=1" data-orig-size="600,400" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="information-security" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/information-security.png?fit=300%2C200&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/information-security.png?fit=600%2C400&amp;ssl=1" decoding="async" loading="lazy" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/information-security.png?resize=640%2C427&#038;ssl=1" alt="" class="wp-image-10174" width="640" height="427" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/information-security.png?w=600&amp;ssl=1 600w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/information-security.png?resize=300%2C200&amp;ssl=1 300w" sizes="(max-width: 640px) 100vw, 640px" data-recalc-dims="1" /></figure>



<h2 class="wp-block-heading">Different ways to protect yourself against information theft</h2>



<p>There are multiple ways in which the safety of your personal information can be compromised but don&#8217;t worry; there are just as many ways of staying safe.&nbsp;</p>



<h3 class="wp-block-heading">Be vigilant with your passwords</h3>



<p>Make sure that you are not writing down your passwords and even if you are, be extra cautious about leaving them around. Apart from using different passwords for each account, try to use strong ones. The strength of your password is determined by the number of characters, symbols, numbers, and different cases. Never share your passwords with anyone and if someone figures one out, quickly make the change to it.</p>



<h3 class="wp-block-heading">Use two-step verification&nbsp;</h3>



<p>This <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/method">method</a> requires two forms of identification before letting you access your account. The first step is entering the password, while the second one involves an OTP sent to you via text, a confirmation pop-up on your device, facial recognition, or biometrics. Make sure to engage the feature on every account that offers it.&nbsp;</p>



<h3 class="wp-block-heading">Update regularly&nbsp;</h3>



<p>Turn on the auto-update feature on security applications, web browsers, and other software so that your device is immediately armed with new and improved security features.&nbsp;</p>



<h3 class="wp-block-heading">Avoid public WiFi&nbsp;</h3>



<p>Need of the hour requires us to have a constant internet connection, and a public WiFi always comes in handy. However, these do not offer the securest of connections, and linked devices are often targeted by cybercriminals. When connected to a public WiFi, steer clear of exchanging sensitive data, try and use a VPN, and be extra cautious.&nbsp;</p>



<h3 class="wp-block-heading">Make use of the privacy settings&nbsp;</h3>



<p>Familiarize yourself with the privacy settings present on different platforms and keep the necessary features engaged. This way, you will be able to control who has access to your personal details.&nbsp;</p>



<h2 class="wp-block-heading"><strong>Shop safely with Atome</strong></h2>



<p>Every online shopping spree has you entering your credit or debit card information to place an order, along with other personal information. We get it if you always feel apprehensive before initiating the online payment process. These are dangerous times, and it pays to be vigilant.&nbsp;</p>



<p>However, with a trustworthy and authentic payment application like&nbsp;<a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a>, it is safe to bid farewell to the apprehension. This app has revolutionized the online payment process by making it simpler and safer.&nbsp;</p>



<p>The team at <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a> values your trust and believes in protecting your personal information at all costs. The Data Protection and Privacy Policy is detailed on its website and openly discusses how your personal information is used and processed. Give it a read to learn how <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a> handles with your sensitive data. </p>



<p>The best part is the liberty that comes with trusting Atome. You are in no way limited to using the payment application at certain stores. The fact that it has over 10,000 partner brands, both locally and internationally, ensures that you can safely pay for all your purchases.&nbsp;</p>



<h2 class="wp-block-heading">What should you know about Atome?&nbsp;</h2>



<p>The application&#8217;s payment plan is not only secure but convenient as well. <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/how-it-works">Using Atome</a> will definitely suit your savings and budget well.&nbsp;</p>



<p>The app divides the total bill into three smaller payments that are supposed to be paid at intervals. These intervals are spaced apart so as to not burden you financially. Moreover, the process doesn&#8217;t involve an interest or additional charges; all you need to pay is the amount spent.&nbsp;</p>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/how-it-works">Using Atome</a> is relatively easy. To get started, download the application (<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">get it here</a>) and sign up by creating a free account. Luckily, it runs on both Android and iOS devices.&nbsp;</p>


<div class="wp-block-image">
<figure class="aligncenter size-full"><img data-attachment-id="8605" data-permalink="https://blog.atome.sg/online-shopping-ideas/tools-of-relaxation-ogawa-massage-chair/attachment/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?fit=200%2C200&amp;ssl=1" data-orig-size="200,200" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="Atome app | Buy Now Pay Later | BNPL" data-image-description="&lt;p&gt;Scan QR code to download Atome app for &#8216;buy now pay later&#8217; shopping experience&lt;/p&gt;
" data-image-caption="&lt;p&gt;Scan QR to download the Atome app&lt;/p&gt;
" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?fit=200%2C200&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?fit=200%2C200&amp;ssl=1" decoding="async" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1651678598743.png?w=640&#038;ssl=1" alt="Scan QR to download the Atome app" class="wp-image-8605" data-recalc-dims="1"/><figcaption class="wp-element-caption">Scan QR to download the Atome app</figcaption></figure></div>


<p>There are more benefits to becoming an Atome user. Affiliate brands have several deals and discounts going on for Atome shoppers. Additionally, all new members are rewarded a $10 discount voucher for their first purchase.&nbsp;</p>
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