
<p><em>&#8220;You are never too old to set another goal or to dream a new dream.&#8221;</em> &#8211; C.S. Lewis.</p>



<p>Living a purposeful and satisfactory life is <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/the+ultimate">the ultimate</a> goal of all human beings. No matter where we go, we all seek contentment and happiness from our actions. While most of us plan to move towards a more organized and meaningful life, many need to learn how to achieve our goals.</p>



<p>Although we all have the same brains, we all can dream, and we all can fantasize about the fulfillment of our dreams. Then why is it that some people, despite their personal and economic situations, are able to achieve their goals?&nbsp;</p>



<p>Well, many factors influence a person&#8217;s success, but the major among these factors is a person&#8217;s resilience, determination, and hard work. While many of us are planning or dreaming about a perfect life, these people are already on the road to success and are working day and night for it.&nbsp;</p>



<h2 class="wp-block-heading">Become A Better Version Of Yourself</h2>



<p>You might have heard a famous idiom: &#8220;Something has to be given up in order to gain something else.&#8221;</p>



<p>This means that everything in our life has a cost and every action has a consequence. For example, if you want to become successful in your career, you have to occasionally give up your leisure time and dedicate it to your work. In another example, if we want to improve our health, we must show the willingness to give up unhealthy habits such as over-eating junk food, more screen time, smoking, etc.</p>



<p>However, there is always time to rethink your life choices, unlearn unhealthy behaviors, and exchange them with more useful and healthier ones. When you pay attention to yourself, listen to your intuitions, and understand your goals, you will already be on the road to success.</p>



<p>Here are five important habits that will help you through your journey to success.</p>



<h2 class="wp-block-heading">Accept That Failure Is A Part Of Progress</h2>



<p>We should understand that success is not a linear concept and does not come in a blink of an eye. We all have to struggle to achieve something. Sometimes you might feel hopeless, and sometimes the concept of success might feel impossible due to constant failures, but this is never a sign of giving up.&nbsp;</p>



<p>Failure is a normal and unavoidable part of our life. It teaches us how to become more resilient, find alternate ways to reach our goals, and grow through difficulties. Therefore, whenever you encounter failure, accept it positively, explore new paths and directions, and always be ready to accept new opportunities.</p>



<h2 class="wp-block-heading">Avoid Shortcuts&nbsp;</h2>



<p><em>&#8220;There is no such thing as a shortcut to any place worth going.&#8221;</em>&nbsp;Anyone looking for shortcuts to attain their goals must know there is no shortcut to success. No matter the type and magnitude of your long-term goal, you can never achieve it early by using shorter routes.&nbsp;</p>



<p>Shortcuts can sometimes be riskier, more time taking than planned, unethical, and unfulfilling. Working hard and smart is the only way to reach your goals. Avoiding shortcuts and looking forward to an actual path also gives a sense of responsibility and enhances our management skills.</p>



<p>So, never hesitate to work hard and remember that hard work, learning from failure, and perseverance lead you to long-lasting and fulfilling success.&nbsp;</p>



<h2 class="wp-block-heading">Celebrate The Little Moments And Wins</h2>



<p>We all have big dreams and goals, but that does not mean we should overlook our small accomplishments and happy moments. Success results from small collective efforts, bumps of failures and success, and a rollercoaster of emotions. Therefore, we must accept and celebrate every step of our path.</p>



<p>Moreover, celebrating little wins helps us psychologically in numerous ways, such as boosting our morale and motivation, can help us build our confidence, and fostering a sense of gratitude within us. Therefore, if we want to move forward and have a healthier mind and body, we must focus on positive events more than negatives.&nbsp;</p>



<h2 class="wp-block-heading">Be Proactive</h2>



<p>Being proactive allows us to become more efficient and effective in our life. A person who is ready to anticipate potential issues and opportunities can learn more in life, develop better problem-solving skills, and become a better active version of themselves.&nbsp;</p>



<p>Ultimately, being proactive is often a key to achieving success and reaching goals, as it allows you to take charge of your own better life and pursue your dreams with determination.</p>



<h2 class="wp-block-heading">Practice Self &#8211; Care and Exercise More</h2>



<p>Taking care of your body, mind, and soul is <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/the+ultimate">the ultimate</a> way to improve yourself. If you ever struggle to find happiness in your routine, have healthy relationships, and have a more rational way of thinking, try practicing self-care and exercise.</p>



<p>Habits such as eating healthy, exercising daily, meditation, self-reflection, and gratitude increases our productivity and helps us improve our overall well-being. When we prioritize self-care and engage in&nbsp;aerobic exercises&nbsp;or&nbsp;cardio exercises, we can develop insight, manage the demands and stressors of life, and feel more grounded, focused, and energized.&nbsp;</p>



<p>Many people need help with staying consistent in their exercise routines. However, research proves that investing in good&nbsp;activewear&nbsp;can enhance your productivity and consistency.&nbsp;</p>



<p>If you are looking for a good&nbsp;activewear Singapore&nbsp;brand, you can shop from high-quality brands such as <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/adidas">Adidas</a> or North Face. These brands have the most suitable gear for athletes and people who actively exercise daily.&nbsp;</p>



<p>The brands have a variety of products in different price ranges. Moreover, their women&#8217;s and men&#8217;s activewear gives comfort and energy to people to stay motivated, energized, and consistent.&nbsp;</p>



<figure class="wp-block-image size-full"><img data-attachment-id="13531" data-permalink="https://blog.atome.sg/online-shopping-ideas/tips-for-personal-growth/attachment/image-3-10/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2023/02/image-3.png?fit=960%2C540&amp;ssl=1" data-orig-size="960,540" 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="image-3" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2023/02/image-3.png?fit=300%2C169&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2023/02/image-3.png?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/2023/02/image-3.png?resize=640%2C360&#038;ssl=1" alt="" class="wp-image-13531" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2023/02/image-3.png?w=960&amp;ssl=1 960w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2023/02/image-3.png?resize=300%2C169&amp;ssl=1 300w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2023/02/image-3.png?resize=768%2C432&amp;ssl=1 768w" sizes="(max-width: 640px) 100vw, 640px" data-recalc-dims="1" /></figure>



<h2 class="wp-block-heading">Shop from Atome’s activewear brand partners</h2>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a> is a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">BNPL</a> that facilitates users by allowing them to split their bills into three parts. This way, shoppers can buy their favorite products with utmost convenience. So, if you need help building an active lifestyle, invest in good activewear to stay on track.</p>



<p>Fortunately, leading brands like <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/adidas">Adidas</a> and North Face are <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a>&#8217;s partner merchants, so you can shop at either store with flexible monthly payments. Here’s everything you need to know about Atome and its payment service.</p>



<h2 class="wp-block-heading">More about Atome</h2>



<p>Headquartered in Singapore with over 15,000 partnered merchants, Atome offers its users the choice and convenience of flexible payment options for a variety of products and services. The app allows shoppers to split their purchases across flexible interest-free monthly payments by scanning a partner retailer’s in-store QR code or upon website checkout. By splitting their payments, Atome users will be able to better manage their budget while making quality products and services more reachable.</p>



<p>To benefit from Atome’s monthly payment plans, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/get-the-app">download the app</a> (<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">Get the app</a>) and create an account. Once your details are verified, you can shop at any partner merchant store with interest-free monthly payments.</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" loading="lazy" width="200" height="200" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?resize=200%2C200&#038;ssl=1" alt="Scan QR to download the Atome app" class="wp-image-8605" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?w=200&amp;ssl=1 200w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?resize=150%2C150&amp;ssl=1 150w" sizes="(max-width: 200px) 100vw, 200px" 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/get-the-app">Atome app</a></figcaption></figure></div>


<p>Follow these steps to pay with Atome:</p>



<ul>
<li>Scan the QR code from Atome’s app when you check out from a physical partner store.</li>



<li>For online purchases, select Atome as your payment partner at checkout.</li>



<li>Enter your user credentials when prompted.</li>



<li>Pay one part of your bill and defer the remaining amount.</li>
</ul>



<h2 class="wp-block-heading">Enjoy shopping with Atome</h2>



<p>Atome is a modern shopping solution for digital-savvy consumers. It enables users to benefit from high-quality products and top services without overdrawing their monthly budget. So, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/get-the-app">download the app</a> today and explore the different brands you can shop with Atome.</p>
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5 Steps to Embrace the Journey to Personal Growth and Improvement


<p>Spring cleaning your accounts means cleaning your finances and making room for a better and fresher financial experience. Much clutter, messages, documents, and papers can pile up when using multiple accounts and&nbsp;credit cards.</p>



<p>The habit of finance management and cleaning also allows you to have a clear idea about your money. It also serves as a great source of understanding your cash flow. Therefore, it is vital for everyone to deep-clean their finance once in a while.&nbsp;</p>



<p>If you use multiple credit cards, spend money without keeping a proper record, and stash away useless documents. You are surely missing the satisfactory feeling of a neat and clean account.&nbsp;</p>



<p>Below are five significant ways to spring-clean your finances and prepare your accounts,&nbsp;credit card, and&nbsp;budget&nbsp;for the next season.&nbsp;</p>



<h2 class="wp-block-heading">Remove Unused Subscriptions And Memberships</h2>



<p>Unused and useless subscriptions are a major source of clutter in your finances. Sometimes we are too lazy to unsubscribe from the memberships and programs that are no longer used. We feel that it is acceptable to pay a small subscription amount because you never know when we may need them again.&nbsp;</p>



<p>Trust us, this never happens. We keep paying for these memberships for months till, one day; we realize that it is time to stop. The problem with unused subscriptions is not limited to the extra money we pay monthly. It also includes tons of emails, notifications, and messages that create extreme clutter and confusion in our personal and professional life.</p>



<p>Hence, it is a gentle reminder to take the first step towards decluttering the financial space and removing all unwanted or useless subscriptions. This will help you save those extra dollars and slow the need to declutter accounts and inboxes repeatedly.</p>



<h2 class="wp-block-heading">Review Existing Credit Cards</h2>



<p>We all have at least one debit or credit card that we keep swiping without being mindful of our budget and expenses. However, as fun as it sounds, it is never a good idea to keep using the card without reviewing your credit card details.</p>



<p>Reviewing the existing credit cards will help you better understand your expenditure ratio, and above all, it will protect you from theft, fraudulent transactions, and unauthorized charges. Regularly reviewing credit card details, statements, and transaction messages can save you from any serious financial problems.&nbsp;</p>



<p>Moreover, there are plenty of promotional and awareness messages that are sent by the authorities to keep your account protected. Always check your emails and messages, read them, and delete them simultaneously if the message is not helpful in the future.</p>



<p>Some best credit cards in Singapore offer maximum protection against errors or fraud. They also keep a proper check on the comfort of their valuable customers and keep the spam minimum.</p>



<h2 class="wp-block-heading">Prioritize Your Debts</h2>



<p>The third most important factor in cleaning the finances is a clear image of when, where, and how to use money. If you must pay&nbsp;a debt&nbsp;or have bought something in installments, immediately start listing what you owe.&nbsp;</p>



<p>Once you have a fair idea about the debt (no matter how&nbsp;<strong>bad the debt</strong>&nbsp;has gone), its payment deadline, and interest rate, develop strategies to make the debt payment more early and achievable. One must keep their financial record in check and prioritize debt payments over anything else because credit cards have a high-interest rate. Once you lose track of paying the debt installment, it becomes more difficult to manage later.&nbsp;</p>



<p>If you have a good credit score, consolidating your debt through options like a personal loan or a balance transfer card can be beneficial. These methods allow you to pay off your debt with less interest and give you a more straightforward path to paying off your debt.</p>



<h2 class="wp-block-heading">Automate Your Credit&nbsp;</h2>



<p>Automating the credit is a great idea to spring-clean your finances. It will not only help you in making hassle-free payments in time every month but will also ensure that you are paying the debt as quickly as possible. So, paying for the subscriptions and installments on time will result in fewer notifications and the stress of bill payments.</p>



<p>Automating the&nbsp;credit card&nbsp;also saves you from paying extra charges and unnecessary additional interest. If you automate your credit and savings, you can budget your money effectively and pay your debts efficiently. Moreover, it is helpful to stay on top of your finances and improve your overall credit score.</p>



<h2 class="wp-block-heading">Organize Your Income and Expenses&nbsp;</h2>



<p>The last best tip to clean your finances and keep them less jumbled for a longer time is to keep a record of your expenses and income and create a habit of cleaning the inbox after documenting the activity.&nbsp;</p>



<p>Keeping a check on your expense sheet can help you understand how far you are from your goals, how to reduce extra spending, and how to reallocate funds. Creating a record of expenses can also be very useful in organizing the overall expense ratio and focusing more on preparing for future payments. For instance, if you have a proper record of your expenses, you can also gain benefits by claiming deductions or credits.</p>



<p>Organized and well-managed expense documentation helps achieve future goals, keep track of investments, and monitor and identify unhealthy spending patterns.</p>



<p>It also helps create a habit of checking the clutter gathered at least once every month. A robust evaluation of your investments can also identify underperforming assets, risks, extra payments, and taxes attached to them.</p>



<figure class="wp-block-image size-large"><img data-attachment-id="13524" data-permalink="https://blog.atome.sg/online-shopping-ideas/how-to-manage-your-finances-better/attachment/image-2-12/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2023/02/image-2.png?fit=1280%2C720&amp;ssl=1" data-orig-size="1280,720" 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="image-2" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2023/02/image-2.png?fit=300%2C169&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2023/02/image-2.png?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/2023/02/image-2.png?resize=640%2C360&#038;ssl=1" alt="" class="wp-image-13524" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2023/02/image-2.png?resize=1024%2C576&amp;ssl=1 1024w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2023/02/image-2.png?resize=300%2C169&amp;ssl=1 300w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2023/02/image-2.png?resize=768%2C432&amp;ssl=1 768w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2023/02/image-2.png?resize=1200%2C675&amp;ssl=1 1200w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2023/02/image-2.png?w=1280&amp;ssl=1 1280w" sizes="(max-width: 640px) 100vw, 640px" data-recalc-dims="1" /></figure>



<h2 class="wp-block-heading">Partner with Atome to manage your finances better</h2>



<p>Headquartered in Singapore with over 15,000 partnered merchants, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a> offers its users the choice and convenience of flexible payment options for a variety of products and services. The app allows shoppers to split their purchases across flexible interest-free monthly payments by scanning a partner retailer’s in-store QR code or upon website checkout. By splitting their payments, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a> users will be able to better manage their budget while making quality products and services more reachable.</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" loading="lazy" width="200" height="200" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?resize=200%2C200&#038;ssl=1" alt="Scan QR to download the Atome app" class="wp-image-8605" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?w=200&amp;ssl=1 200w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?resize=150%2C150&amp;ssl=1 150w" sizes="(max-width: 200px) 100vw, 200px" 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/get-the-app">Atome app</a></figcaption></figure></div>


<h2 class="wp-block-heading">Conclusion</h2>



<p>Spring cleaning your finances is an excellent habit for organizing your money, keeping a record of your spending habits, and staying consistent with your future goals. Moreover, it is a healthy way to protect yourself from financial confusion and problematic budgeted plans.</p>



<p>Fortunately, BNPLs like Atome help you manage your monthly finances smartly without overspending your budget. So, partner with Atome the next time you want to shop for your favorite products or services.</p>
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5 Ways To Deep Clean Your Finances This Spring


<p>Shopping is an activity that excites many and annoys some. Many people in our surroundings <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/love+nina+zazali">love</a> to shop. They are always on the hunt to find new trends in the market and get their hands on newly launched products. However, many people hate this activity. Yes, &#8220;hate.&#8221;</p>



<p>Such people prefer to avoid going to malls or spending hours on the internet searching for perfect and reliable items. Therefore, they hire personal shoppers to get done with this task.&nbsp;</p>



<p>How people feel and behave during shopping says a lot about their shopping personality. Interestingly multiple shopping personalities are really fun to explore. Below we have mentioned some of the most common types of shoppers that are observed all over the world. Keep reading to find out what your shopping personality is like.&nbsp;</p>



<h2 class="wp-block-heading">Common Types of Shopping Personalities</h2>



<h3 class="wp-block-heading">Practical Shoppers&nbsp;</h3>



<p>If you like to spend money and shop only when you need something or have enough time to shop, then you can call yourself a practical shopper. Practical buyers are mindful of their needs and want and know when to purchase something to fulfill their needs. Shopping for such people is not driven by emotional or social needs.&nbsp;</p>



<h3 class="wp-block-heading">Impulsive Shoppers</h3>



<p>Impulsive shoppers are people who make unplanned and spontaneous purchases. They do not reason or plan before buying anything. It is more like they want to shop to satisfy their emotional needs of boredom or excitement.</p>



<p>Such individuals are less likely to research the price, quality, and standard of the product before buying it. Therefore, impulsive shopping is associated with negative consequences such as overspending, financial strain, and negative emotions such as guilt and regret.&nbsp;</p>



<p>Impulsive behavior during shopping can be a symptom of impulse control disorder in which a person cannot control their impulse in some areas of their life. If you fall into this category of shopper, then you must seek professional help or try some manageable ways to control this behavior.&nbsp;</p>



<h3 class="wp-block-heading">Indecisive Shoppers</h3>



<p>This is a significant type of shopping personality. The indecisive shoppers are the ones who need clarification about their own needs, wants, and desires. They may have a general idea about what they want but may become overwhelmed by too many options. For instance, a person who knows she wants to buy a dress but needs to understand exactly which one she wants to buy.</p>



<p>Such individuals get extremely confused during shopping, have an indecisive personality, and need assurance to buy anything. Such people need to spend more time with themselves, understand what they want, and work more on their self-confidence.&nbsp;</p>



<h3 class="wp-block-heading">Bargain or Discount Hunters</h3>



<p>Bargain and discount hunters are the people who are always connected with their favorite brands and shops through social media or newsletters. Such individuals always look forward to amazing discounts and deals throughout the year. Moreover, they only purchase what they want during the sale season.&nbsp;</p>



<p>Bargain hunters are always thrilled by the idea of discounts and are willing to put extra effort and time into finding the best prices. These individuals are also informed and have an idea about the costs of items from different stores and online platforms. If you are a bargain hunter, you must know about the excitement of saving coupons, discount cards, and promo codes. Hence, such individuals are very price-conscious and want the best value for their money.&nbsp;</p>



<h3 class="wp-block-heading">Brand Driven or Brand Loyal Shoppers</h3>



<p>Next comes the brand-driven or loyal shoppers. These individuals are not influenced by the sales and discounts from other brands and are only motivated by the quality and reputation of their favorite brands.&nbsp;</p>



<p>Brand-conscious individuals have a solid attachment to their favorite brands and consider the brand an extension of their own identity. They might be interested in buying the items from a specified brand at premium rates rather than buying something cheaper from any other brand.&nbsp;</p>



<p>Such people are also very precious to the brands because they make repeated and constant purchases in their stores. Therefore, brands also offer their loyal customers special discounts, early notifications about their product launches, and special deals.&nbsp;</p>



<h3 class="wp-block-heading">Local or National Brand Supporters</h3>



<p>Such individuals are determined to buy products from local brands or small businesses rather than buying from large multinational companies or famous brands. The main idea behind shopping from local brands could be supporting new talent, the economy, and the environment.&nbsp;</p>



<p>These people who aim to bring positive social change are willing to pay more for local products and stay loyal to these small brands and businesses. If you think about society and are considerate of other people while making any purchase, you might be a local brand supporter.&nbsp;&nbsp;</p>



<h3 class="wp-block-heading">The Up-to-date and Social Buyers</h3>



<p>People who stay updated with new styles and want to follow recent trends are considered to be social buyers. Such people want to buy what their friends and peers are buying or what social media influencers recommend. They gather detailed information about products, their reviews, and their popularity.&nbsp;</p>



<p>Being constantly active on social media platforms, finding trendy or popular products, and being influenced by new styles, people&#8217;s opinions, and reviews updated on social media makes a social buying personality.&nbsp;</p>



<h2 class="wp-block-heading">The Psychology Behind Shopping Urge&nbsp;</h2>



<p>Although the psychology of shopping is a complex topic, some important factors still determine people&#8217;s personalities regarding their shopping styles. For instance, the emotional reaction toward shopping, personal values, and the impact of social influences are some common factors that affect shopping attitudes.&nbsp;</p>



<p>The emotional reaction includes shopping when feeling stressed, bored, excited, or alone. Social influence also affects people&#8217;s shopping behavior, as mentioned above in social buying personality. Lastly, personal factors such as needs wants, and experiences also play a significant role in affecting the shopping personality of individuals.</p>



<h2 class="wp-block-heading">Atome &#8211; A perfect partner for every shopping personality</h2>



<p>Everyone has a different shopping personality, but <a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a> is a constant that caters to people with varying preferences. Before we get into why <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a> is an ideal shopping partner for modern consumers, let’s first look at how the payment service works.</p>



<h3 class="wp-block-heading">How Atome works</h3>



<p>Headquartered in Singapore with over 15,000 partnered merchants, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a> offers its users the choice and convenience of flexible payment options for a variety of products and services. The app allows shoppers to split their purchases across flexible interest-free monthly payments by scanning a partner retailer’s in-store QR code or upon website checkout. By splitting their payments, Atome users can better manage their budget while making quality products and services more reachable.</p>



<figure class="wp-block-image size-large"><img data-attachment-id="12074" data-permalink="https://blog.atome.sg/ipa-news-feature-image/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/12/IPA-News-Feature-Image.png?fit=1200%2C675&amp;ssl=1" data-orig-size="1200,675" 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="In-Principal-Approval-MAS" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/12/IPA-News-Feature-Image.png?fit=300%2C169&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/12/IPA-News-Feature-Image.png?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/2022/12/IPA-News-Feature-Image.png?resize=640%2C360&#038;ssl=1" alt="In-Principal-Approval-MAS" class="wp-image-12074" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/12/IPA-News-Feature-Image.png?resize=1024%2C576&amp;ssl=1 1024w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/12/IPA-News-Feature-Image.png?resize=300%2C169&amp;ssl=1 300w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/12/IPA-News-Feature-Image.png?resize=768%2C432&amp;ssl=1 768w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/12/IPA-News-Feature-Image.png?w=1200&amp;ssl=1 1200w" sizes="(max-width: 640px) 100vw, 640px" data-recalc-dims="1" /></figure>



<h3 class="wp-block-heading">How Atome benefits users</h3>



<p>Whatever your shopping personality may be, Atome has something for everyone.</p>



<ul>
<li>With Atome, you can get the best deals and discounts on your favorite brands. The app updates users with the latest offers and promotions, so you never miss a good deal.</li>



<li>Since there are so many merchants and product lines available to shoppers, you can take advantage of the latest trends and styles.</li>



<li>Atome supports local brands as much as top international brands, so if you&#8217;re always looking for new local brands, you will not be disappointed with Atome&#8217;s partner selection.</li>



<li>Finally, Atome lets you shop 7 days a week, any time you want. Hence, whatever your schedule may be, you can find quality products and services with a single click anytime.</li>
</ul>



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



<p>Atome supports physical and online shopping, but in both cases, you must have a registered account on the payment platform. To create an account, simply download the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/get-the-app">Atome app</a> (<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">Get the app</a>) and sign up.</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" loading="lazy" width="200" height="200" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?resize=200%2C200&#038;ssl=1" alt="Scan QR to download the Atome app" class="wp-image-8605" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?w=200&amp;ssl=1 200w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2021/05/middle_img_v2_d9b2036c-b85c-4179-8177-e6006e0761fh-1-e1668743860679.png?resize=150%2C150&amp;ssl=1 150w" sizes="(max-width: 200px) 100vw, 200px" 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/get-the-app">Atome app</a></figcaption></figure></div>


<p>Here’s a quick guide for checking out with Atome:</p>



<ol start="1">
<li>Scan the QR code from Atome’s app at the time of checkout.</li>



<li>For online purchases, select Atome as your payment <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/method">method</a> at the time of checkout.</li>



<li>Enter your user details and continue.</li>



<li>Pay the first part of your bill and forward the remaining amount.</li>
</ol>



<h2 class="wp-block-heading">Enjoy a unique shopping experience with Atome</h2>



<p>Atome offers a modern way of shopping for your favorite products and services. The online platform doesn&#8217;t charge any service fee or interest charges, so you only need to pay the amount on your bill. Thus, you can enjoy high-quality products without overdrawing your monthly budget.</p>



<p>So, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/get-the-app">download the app</a> today and start exploring thousands of top brands you can access with Atome.</p>
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Find Out Interesting Things About Your Shopping Personality


<p>We exist in a world that thrives on ease and convenience, and&nbsp;credit cards&nbsp;bring that to the table. This is true for&nbsp;<a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a>, as well. If you don’t know already, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a> is an application that makes paying bills exponentially easy.</p>



<p>When almost every task has been reduced to a few taps on the smartphone, from getting groceries delivered to powering electronics, then why shouldn’t financial transactions be easy.</p>



<p>This article unveils the major pros and cons of owning a credit card and how alternatives like Atome are taking the&nbsp;buy now, pay later&nbsp;market in&nbsp;Singapore&nbsp;and elsewhere.</p>



<h2 class="wp-block-heading">What are credit cards?</h2>



<p>Having credit basically means you can purchase goods and acquire services without needing to pay for them immediately. Instead, you pay that money later, either in a lump sum or in installments.&nbsp;</p>



<p>Owning a bank’s credit card entails that you have the ability to buy anything &#8211; clothes, books, meals, shoes, and more &#8211; even when you don’t have cash in hand. Doesn’t that sound like a dream?&nbsp;</p>



<p>However, a not-so-dreamy aspect of using a credit card to pay your bills is the interest rate. When it is time to reimburse the bank for your haul, you are required to pay a certain percentage over the total expenditure. That percentage is the interest rate that is predetermined by the bank and varies for each one.&nbsp;</p>



<p>Every bank issues its&nbsp;credit cards, and while it is near impossible to crown one as the&nbsp;<strong>best</strong>, here are a few more commonly used in&nbsp;Singapore:</p>



<ul>
<li>DBS credit card</li>



<li>UOB credit card</li>



<li>Citibank credit card</li>



<li>Maybank credit card</li>



<li>CIMB Bank credit card</li>
</ul>



<h2 class="wp-block-heading">The advantages and disadvantages of having a credit card at your disposal</h2>



<p>Have a look at both sides of the coin</p>



<h3 class="wp-block-heading">Benefits:</h3>



<ol>
<li>The freedom to splurge on whatever you want, whenever you want &#8211; more commonly known as greater purchasing power &#8211; as long as you stay within the credit limit.</li>



<li>Not having to carry cash.</li>



<li>There is room for your budget to expand.</li>



<li>Credit card promotions&nbsp;and deals come in handy at several establishments as you end up saving a few bucks.</li>



<li>You can amass miles and get cash-back opportunities.</li>



<li>The mental peace of knowing that you have something to fall back on, on rainy days.</li>
</ol>



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



<ol>
<li>The idea of having enough might cause you to overspend and rack up debt.&nbsp;</li>



<li>You are always paying more than the amount spent because of interest rates.</li>



<li>Credit cards come with a cut-off known as the credit limit, so there is an end to the fun.</li>



<li>An inadequate credit score leads to the bank issuing you less credit.</li>
</ol>



<h2 class="wp-block-heading">Let’s talk about the&nbsp;<strong>credit limit</strong></h2>



<p>The total amount of money that one can charge to their credit card is the credit limit. This includes purchases and cash transfers. In no way can you go beyond the set limit.&nbsp;</p>



<p>You can find the credit limit mentioned on your credit card statement or by signing in to your account.</p>



<p>The amount of credit one can charge against credit cards is determined by different factors.</p>



<p>These are:</p>



<ol>
<li>The amount of money you bring in each month.</li>



<li>Your monthly expenses.</li>



<li>Your history with paying off debts, managing finances, and your credit score.</li>



<li>Certain lenders have a limit set in advance.</li>
</ol>



<h3 class="wp-block-heading">How to&nbsp;<strong>increase your credit limit</strong>?</h3>



<p>Do you find the cap off amount insufficient or maybe you feel like you can manage a higher credit line just as responsibly? Fortunately, there are ways to up the credit being lent to you!</p>



<ul>
<li>Be efficient with your credit. If you show the facilitator that you are using the issued credit responsibly, maintaining a good credit score, and making timely payments, there is a high chance that they will approach you with a better offer.</li>



<li>On the contrary, poor credit practices can result in your line of credit being reduced. After all, the lender has to look out for themselves.&nbsp;</li>



<li>Putting in a request yourself. Yes, this is an effective way of getting more credit. Make sure you have a solid credit score and well-managed finances before proceeding. Chances are the bank will grant your request; as long as you provide them with a satisfactory reason behind the decision.</li>



<li>You probably already know this, but allow me to reiterate that due payments, a maxed-out credit limit, and income reduction are factors that will increase your odds of getting more credits.</li>
</ul>



<h2 class="wp-block-heading">Are credit cards worth the hassle?</h2>



<p>The trick with these devices is to be great with your money. No matter how high or low the income is, if you know how to manage your needs, wants, miscellaneous expenses, payments, and savings within that amount, you are good to go. Get that credit card! Ask the bank for an increase in your line of credit.&nbsp;</p>



<p>As long as you can do this, keeping a credit card is going to be a walk in the park. Go buy that suit for the meeting. Get yourself that pair of heels. Take your family out to that 5-star restaurant.&nbsp;</p>



<figure class="wp-block-image size-large"><img data-attachment-id="9373" data-permalink="https://blog.atome.sg/online-shopping-ideas/atome-vs-credit-cards/attachment/image-10/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/06/image.png?fit=1600%2C900&amp;ssl=1" data-orig-size="1600,900" 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="image" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/06/image.png?fit=300%2C169&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/06/image.png?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/2022/06/image.png?resize=640%2C360&#038;ssl=1" alt="" class="wp-image-9373" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/06/image.png?resize=1024%2C576&amp;ssl=1 1024w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/06/image.png?resize=300%2C169&amp;ssl=1 300w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/06/image.png?resize=768%2C432&amp;ssl=1 768w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/06/image.png?resize=1536%2C864&amp;ssl=1 1536w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/06/image.png?resize=1200%2C675&amp;ssl=1 1200w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/06/image.png?w=1600&amp;ssl=1 1600w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/06/image.png?w=1280&amp;ssl=1 1280w" sizes="(max-width: 640px) 100vw, 640px" data-recalc-dims="1" /></figure>



<h2 class="wp-block-heading"><strong>Atome</strong>&nbsp;&#8211; the alternative</h2>



<p>Behold Atome,&nbsp;a&nbsp;<a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">buy now pay later</a>&nbsp;app. Enjoy the perks of a credit card without having to worry about interest rates or spending limits. I will tell you how but first, let’s look at the app’s background.</p>



<p>The name takes its origin from the phrase “Available-to-Me,” as the application dedicates itself to making a host of lifestyle brands and services more accessible to its customers. Since its establishment in 2019,&nbsp;<a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a>&nbsp;has taken Asia’s <a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">buy now, pay later</a>&nbsp;scene by storm!</p>



<p>Headquartered in Singapore with over 10,000 partnered merchants and available in 8 markets, Atome offers its users the choice and convenience of flexible payment options for a variety of products and services. The app allows shoppers to split their purchases over three interest-free monthly payments by scanning a partner retailer’s in-store QR code or upon website checkout. By splitting their payments, Atome users will be able to better manage their budget while making quality products and services more reachable. </p>



<h3 class="wp-block-heading">What makes paying with Atome unique?</h3>



<ol>
<li>When one pays with Atome, their total bill is split into three more affordable payments.</li>



<li>While the first one is made immediately, the remaining two are paid at intervals.</li>



<li>These intervals are spaced apart to not burden you financially.</li>



<li>The payments are free of interest.&nbsp;</li>



<li>There are no hidden&nbsp;charges.</li>



<li>The only prerequisite to <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/how-it-works">using Atome</a> is downloading the application (<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">get it here</a>) and signing up on it. The process is free of cost.</li>



<li>You get a $10 signup reward.</li>



<li>The Atome application has a user-friendly interface which makes it extremely easy to navigate.</li>



<li>The <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/get-the-app">Atome app</a>&nbsp;can be used to pay for online and in-store shopping.</li>



<li>Partnerned&nbsp;brands have a myriad of deals and discounts for&nbsp;Atome&nbsp;users.</li>
</ol>



<h3 class="wp-block-heading">Partner brands</h3>



<p>While I cannot mention all&nbsp;10,000&nbsp;of them, here are a few that might tempt you into downloading the&nbsp;app:</p>



<ol>
<li><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/nike">Nike</a></li>



<li>Moschino</li>



<li>JBL</li>



<li><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/dyson">Dyson</a></li>



<li>Universal Studios Singapore</li>



<li>Klook travels</li>



<li><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/lenovo">Lenovo</a></li>



<li>OPPO</li>



<li><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/lenskart">Lenskart</a></li>



<li><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/ishopchangi">iShopChangi</a></li>



<li><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/lovet">Lovet</a></li>



<li><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/g2000">G2000</a></li>
</ol>



<h2 class="wp-block-heading">How to use the Atome app?</h2>



<h3 class="wp-block-heading">Online purchase</h3>



<ol>
<li>At checkout, select Atome to pay for your goods.</li>



<li>Sign in to your account or create a new one.</li>



<li>Apply&nbsp;vouchers, if any.&nbsp;</li>



<li>Pay one-third of your bill upfront, which the remaining two payments will be charged automatically to your linked card.&nbsp;</li>
</ol>



<h3 class="wp-block-heading">In-store purchase</h3>



<ol>
<li>Look for the brand’s QR code, open the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/get-the-app">Atome app</a> on your phone and scan it.</li>



<li>Enter the total amount.</li>



<li>Avail yourself of the current discounts, if any.</li>



<li>Pay one-third of your bill upfront, which the remaining two payments will be charged automatically to your linked card.</li>
</ol>


<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">Conclusion</h2>



<p>We all wish for financial freedom and no limit to our expenses, but alas, that’s quite impossible unless you have a genie hidden somewhere. While that sounds unattainable, facilities like credit cards and applications like Atome make spending a little less stressful and a lot more fun. The smaller payments make staying within budget less challenging.&nbsp;</p>
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Credit Cards, Credit Limit, and Atome – Everything You Need to Know


<p>There has been a significant increase in <strong><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">buy now pay later</a></strong> companies lately, which can be attributed to the growing success of this business model among consumers. This article will discuss how the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">buy now pay later</a> companies work.</p>



<h2 class="wp-block-heading">What is buy now pay later?</h2>



<p><strong><a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Buy now pay later</a> (<a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">BNPL</a>)</strong> companies offer short-term financing to consumers, allowing them to make purchases immediately and pay for them in installments at a predetermined date in the future. This arrangement is also referred to as &#8220;point of sale installment loans&#8221; and is usually interest-free.</p>



<p>The <strong>buy now, pay later business model</strong> is becoming increasingly popular in online and offline shopping.</p>



<h2 class="wp-block-heading">How does buy now pay later work?</h2>



<p>While every buy now pay later program isn&#8217;t created equal, there are certain features that remain the same.</p>



<ul>
<li>The customer makes a purchase at a partner merchant and selects &#8220;buy now, pay later&#8221; at checkout.</li>



<li>Once approved, d, the payment is split into multiple installments, and the customer makes an upfront payment of the first installment.</li>



<li>The remaining amount is then paid over a predetermined period in the form of interest-free payments.</li>



<li>The payments will be automatically deducted from the customer&#8217;s debit card, bank account, or credit card.</li>
</ul>



<p>If you are wondering how a BNPL is different from purchasing via a credit card, there is a clear difference between both repayment methods.</p>



<p>When you pay with your credit card for a purchase, you are required to pay a minimum amount due on the card every month. Interest keeps accumulating on the remaining amount until you pay it in full. However, you can carry the remaining balance indefinitely when you buy with a credit card.</p>



<p>In contrast, BNPL doesn’t involve service fees or interest charges. They have a fixed repayment schedule that you have to follow after the purchase. The customer is informed upfront of the amount they have to pay for each installment and when it will become due.</p>



<p>The <strong>buy now pay later business model </strong>suits the needs of modern consumers. Here are the benefits you can expect when using a <strong>buy now pay later app.</strong></p>



<ul>
<li>Fast setup and approval</li>



<li>Convenient and budget-friendly way of purchasing things.</li>



<li>It doesn’t require a high credit score to qualify.</li>



<li>Most BNPL have zero interest or lower interest than regular credit cards.</li>
</ul>



<figure class="wp-block-image size-full"><img data-attachment-id="8875" data-permalink="https://blog.atome.sg/online-shopping-ideas/buy-now-pay-later-singapore/attachment/buy-now-pay-later/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/05/Buy-Now-Pay-Later.jpg?fit=1000%2C644&amp;ssl=1" data-orig-size="1000,644" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;2.4&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;iPhone XS&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1604487638&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;6&quot;,&quot;iso&quot;:&quot;50&quot;,&quot;shutter_speed&quot;:&quot;0.01&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}" data-image-title="Buy-Now-Pay-Later" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/05/Buy-Now-Pay-Later.jpg?fit=300%2C193&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/05/Buy-Now-Pay-Later.jpg?fit=640%2C412&amp;ssl=1" decoding="async" loading="lazy" width="640" height="412" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/05/Buy-Now-Pay-Later.jpg?resize=640%2C412&#038;ssl=1" alt="Buy Now Pay Later" class="wp-image-8875" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/05/Buy-Now-Pay-Later.jpg?w=1000&amp;ssl=1 1000w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/05/Buy-Now-Pay-Later.jpg?resize=300%2C193&amp;ssl=1 300w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/05/Buy-Now-Pay-Later.jpg?resize=768%2C495&amp;ssl=1 768w" sizes="(max-width: 640px) 100vw, 640px" data-recalc-dims="1" /></figure>



<h2 class="wp-block-heading">Buy now pay later in Singapore</h2>



<h3 class="wp-block-heading">Why are buy now pay later companies on the rise in Singapore?</h3>



<p>BNPL solutions are currently trending in Singapore markets. According to the 2021 BNPL Survey, buy now pay later payments are expected to grow by 52.6%, reaching up to US$773.9 million. It is also expected that BNPL payment adoption will grow steadily with a CAGR of 25.5% for the period 2022 to 2028.</p>



<p>This shows great potential for the medium to the long-term growth of the BNPL industry. It is also the reason why more and more companies have extended their offerings to interest-free installment payment options for online shoppers.</p>



<p>Another factor that has accelerated e-commerce in Singapore is the global pandemic. As people were limited to their homes for extended periods, they turned to e-commerce platforms to fulfill their shopping needs. A trend that began during the pandemic has continued to grow even after the effects have subsided.</p>



<p>Since consumers have become accustomed to shopping from the convenience of their homes, they prefer e-commerce platforms over in-store shopping in most cases. The BNPL industry has grown remarkably with the rise of online shopping platforms, and several companies have adopted this model to facilitate and retain their customers.</p>



<p>Taking notice of the strong growth of the BNPL market across Asia, major banks are entering into strategic alliances with BNPL companies to benefit from the overall trend. In October 2021, Standard Chartered Bank announced its 10-year strategic alliance with the BNPL platform, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a>. The bank is among the first major banks to partner with a BNPL company in Singapore.</p>



<h3 class="wp-block-heading">Top BNPL companies in Singapore</h3>



<p>Hence, if you are based in Singapore and excited to try a BNPL model for your next shopping spree, there are quite a few companies that you can choose from.</p>



<p>Have a look at the top <strong><a href="https://www.atome.sg/">buy now pay later Singapore</a></strong> players. They are <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a>, hoolah, OctiFi, and Rely. Other than the four companies mentioned above, there are newer additions to this list, including Grab buy now pay later, and pace buy now pay later.</p>



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



<p>Atome<strong> buy now pay later </strong>is one of the most popular payment solutions in Singapore. The service was launched in 2019, and it currently has over 10,000 partnered merchants, both online and offline. It has successfully expanded into 8 markets, including Greater China, Indonesia, Malaysia, Hong Kong, and Vietnam.</p>



<p>Atome&#8217;s extensive merchant portfolio allows it to offer premium products and services to its users across homeware, lifestyle, fashion, beauty, and more. <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/sephora">Sephora</a> (more about <a href="https://www.atome.sg/blog/sephora-near-me-the-beauty-brand-for-you" target="_blank" rel="noreferrer noopener">Sephora brand story</a>), <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/zara">Zara</a> (want <a href="https://www.atome.sg/blog/have-zara-discount-code-here-is-how-you-can-use-it" target="_blank" rel="noreferrer noopener">ZARA promo code</a>? Click here for details!), <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/iuiga">IUIGA</a>, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/marks+spencer">Marks &amp; Spencer</a>, and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/istudio">iStudio</a> (want <a href="https://www.atome.sg/blog/istudio-installment-plan-have-yourself-stocked-up-in-apple-products-with-istudio" target="_blank" rel="noreferrer noopener">iStudio installment plan</a> for Apple products? Read on!) are among their retail partners.</p>



<p>With Atome, users can split their bill into three equal payments that can be paid over time. Their services are free from any hidden charges or annual fees with zero interest.</p>



<p>Consumers enjoy the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/get-the-app">Atome app</a> (<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener nofollow">get the app</a>) because it is easy to understand and use. In addition, Atome’s wide network is proof of its success and security, making it an easy choice for users.</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 Atome app" class="wp-image-8605" data-recalc-dims="1"/><figcaption class="wp-element-caption">Scan QR to download <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/get-the-app">Atome app</a></figcaption></figure></div>


<h4 class="wp-block-heading">How to pay with Atome?</h4>



<ul>
<li>Download Atome’s app on your smartphone and become a registered user. The registration process is very easy and only takes a few minutes.</li>



<li>Scan the QR code from the Atome app at checkout for in-store purchases. Pay the first part of the bill and defer the rest of the payment.</li>



<li>For online purchases, select Atome as your partner for payment at checkout.</li>



<li>Enter your user details and continue.</li>



<li>Pay one-third of your bill immediately, and the remaining payments can be made later.</li>
</ul>



<figure class="wp-block-image size-full"><img data-attachment-id="8874" data-permalink="https://blog.atome.sg/online-shopping-ideas/buy-now-pay-later-singapore/attachment/atome-x-sephora-buy-now-pay-later/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/05/Atome-x-Sephora-buy-now-pay-later.jpeg?fit=1000%2C511&amp;ssl=1" data-orig-size="1000,511" 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-x-Sephora-buy-now-pay-later" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/05/Atome-x-Sephora-buy-now-pay-later.jpeg?fit=300%2C153&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/05/Atome-x-Sephora-buy-now-pay-later.jpeg?fit=640%2C327&amp;ssl=1" decoding="async" loading="lazy" width="640" height="327" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/05/Atome-x-Sephora-buy-now-pay-later.jpeg?resize=640%2C327&#038;ssl=1" alt="buy now pay later Singapore companies" class="wp-image-8874" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/05/Atome-x-Sephora-buy-now-pay-later.jpeg?w=1000&amp;ssl=1 1000w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/05/Atome-x-Sephora-buy-now-pay-later.jpeg?resize=300%2C153&amp;ssl=1 300w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/05/Atome-x-Sephora-buy-now-pay-later.jpeg?resize=768%2C392&amp;ssl=1 768w" sizes="(max-width: 640px) 100vw, 640px" data-recalc-dims="1" /></figure>



<h2 class="wp-block-heading">Final word</h2>



<p><span><a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Singapore&#8217;s buy now pay later</a></span> market is growing rapidly with the rise in e-commerce. Due to this reason, FinTech companies are joining with BNPL companies to support merchant partners. Flexible payment solutions among consumers have also increased the demand for BNPL payment options among in-store and online retailers.</p>



<p>While it is exciting to hop on this trending bandwagon, it is important to choose a BNPL that is secure and well-established. Atome has a strong offline and online presence in the retail space, making it an option consumers can trust. So, if you are thinking about using a <a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">buy now pay later app</a> for your shopping needs, download the Atome app and start buying the smart way.</p>



<figure class="wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio"><div class="wp-block-embed__wrapper">
<span class="embed-youtube" style="text-align:center; display: block;"><iframe loading="lazy" class="youtube-player" width="640" height="360" src="https://www.youtube.com/embed/kdEsgwWHrY8?version=3&#038;rel=1&#038;showsearch=0&#038;showinfo=1&#038;iv_load_policy=1&#038;fs=1&#038;hl=en-US&#038;autohide=2&#038;wmode=transparent" allowfullscreen="true" style="border:0;" sandbox="allow-scripts allow-same-origin allow-popups allow-presentation"></iframe></span>
</div></figure>
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Buy Now Pay Later – A new era in retail shopping


<p>Are you someone who thinks twice when it&#8217;s time to make payment? And why shouldn&#8217;t you? If you want to safely and thoughtfully make payments, it should cross your mind always to make a budget and have a secure payment path so you may never fall victim to fraud and thefts.</p>



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



<p>As time has changed, and now when you make payments, you do not have to walk up to the shop and pay the vendor. Now you use different sites and apps to make payments for yourself. The payment app is becoming so popular because of its efficiency in secure payments and deals on using credit cards.</p>



<p>A payments app is essential if you want to do online shopping as they have details and data fed into their system, so their algorithm helps identify a safe site for shopping and easy access to your account. Though every bank helps in networking and making payments online, now, as different times have emerged, banks are making their own payments app.</p>



<p>These apps are easy to use and super user-friendly; all you need to do is download them from your phone app and start using them as your personalized transaction app.</p>



<h2 class="wp-block-heading"><strong>Progressive payment scheme</strong><strong></strong></h2>



<p>For payments made online for different accessories and products of desire, there is a certain type of payment known as a progressive payment scheme. This scheme is to make payments for properties that are being built. These payments are made in installments that are distributed over some time.</p>



<p>The good part about the progressive payment scheme is that you can pay in cash or through a card as per your financial agreement. Now, if you are wondering why you need a scheme such as the progressive payment scheme to make payments, then here is its biggest advantage.</p>



<p>The idea of house payment was introduced when a bloom took online shopping or E-shopping. No one believes in making payments in person or meeting the person before making a payment. Because now, make payments, all you need is a card, an IP address, or an account number.</p>



<p>No one likes to make time for the menial things in life; therefore, the progressive payment scheme is a blessing for all the busy folks out there.</p>



<h2 class="wp-block-heading"><strong>Security of payment act</strong><strong></strong></h2>



<p>Making an effort to maintain justice, now every person who is constructing a building or any structure has to receive payment along with the constructor, the laborers, and the supplier or the goods to be paid. Because when a building was constructed, the contractor was the one to whom we make payments, so to make sure all the workers and the suppliers are dealt with injustice, the act of security of payment act was implicated in 2002.</p>



<p>As the world is being modernized and digitalized, the cash form of money is being reduced. Rather, payments through the payments app are being chosen.</p>



<h2 class="wp-block-heading"><strong>Make a payment over the phone</strong><strong></strong></h2>



<p>Remember the time when we had to walk down to the bank every month to make payments for our bills, rents, school fees, mortgage, etc.—standing in lines for hours and taking out all the paperwork. One mistake and it had to be done all over again. At first, the ATM card was an innovation everyone was proud of. But as the world slowly digitized, even money started to become figures on a screen. Slowly and gradually, as people became busy and had no time to walk down to an ATM, it was time to install more digital software into our daily items.</p>



<p>Now thanks to technology, we can make payments over the phone. Some phones have software that has their wallets in it, while others need to be downloaded with apps that will help make payments. Now you can sit home and relax.</p>



<p>All your bills and rents will be paid with one touch. You need to have a digital fingerprint, which means you need to coordinate with your bank to give you access to online transactions and net banking. You can log into your payments app and make payments over your phone in just moments.</p>



<h2 class="wp-block-heading"><strong>Payment app Atome</strong></h2>



<p>Headquartered in Singapore, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a> offers its users the choice and convenience of more flexible payment options for a variety of products and services. The app allows shoppers to split their purchases over three interest-free monthly payments by scanning a partner retailer’s in-store QR code or upon website checkout. By splitting their payments, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a> users will be able to better manage their budget while making higher quality products more affordable.</p>



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



<p>To make payments online is a blessing we all have been waiting for. Now with safe and secure apps, shopping online is easier than it seems with the advantage of lower to no fraud.</p>
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Make Payments- How to Go with Secure Payment Options


<p>Shopping can be defined in various ways, for some, it is just a means to satisfy their needs. It has been observed that shopping provides harmony to a lot of people in their otherwise chaotic lives. However, financial responsibilities often provide a hindrance in this otherwise simple activity. It is for people like these, who want to shop maybe for luxury, or out of need but due to financial restraints, they are unable to do so, the payment model of “Pay Later: Buy Now”&nbsp;has been introduced. This facility is being provided at different platforms for different brands. You can buy what you like and pay for it later. Once you sign up via the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/get-the-app">Atome app</a>, the world of “Pay Later: Buy Now”&nbsp;opens up for you.</p>



<h1 class="wp-block-heading"><strong>PLATFORMS OFFERING THIS SERVICE</strong><strong></strong></h1>



<p>This is a relatively new technology that has broken into the financial market. It was born through the increasing use of credit cards and debit cards. Launched around 2019, the concept of&nbsp;<strong><em><strong><em><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">buy now pay later</a></em></strong></em></strong>&nbsp;is an age-old concept that went through different transitions and the current metamorphosis is this. The concept is almost the same as credit cards, someone else pays the merchant initially and you pay the rest of the amount in installments. The difference is that this payment is interest-free and comes without any additional fees.</p>



<p>There are many companies that offer the service of&nbsp;<a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">buy now pay later</a> Singapore. In Singapore alone, many platforms facilitate this service. According to a survey, Q4 2020,&nbsp;Buy Now Pay Later Singapore&nbsp;service is expected to grow up to 52% which is around US$ 564 million in the current year 2021. In the last two years, this service incurred more than an 800% increase in sales, about 1,500% growth in transactions, and over 400% merchant and consumer growth.</p>



<h1 class="wp-block-heading"><strong>COMPANIES AND RETAILERS OFFERING</strong>&nbsp;“Pay Later: Buy Now”&nbsp;<strong>IN SINGAPORE ONLINE AND INSTORE SERVICES</strong></h1>



<p>With the increasing popularity of this new concept of&nbsp;grab pay later,&nbsp;especially during the pandemic, many retailers have signed up for “Pay Later: Buy Now”. This service is available both for online and in-store services. Now if you shop online, you get this additional option of paying through <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">BNPL</a>. And if you chose to go physically shopping, then you get a QR Code issued that you can scan for further payment.</p>



<p>Apart from the retailers, now this payment option of “Pay Later: Buy Now”&nbsp;is being taken up by FinTech Companies as well. FinTech is a short form of Financial Technology company. Roughly speaking, it refers to technologies and software that provide improved financial services for businesses. This year, in 2021, a leading BNPL service of Singapore, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">ATOME</a>, partnered with FOMO, a QR Payment provider. It is expected that this would expand the “Pay Later: Buy Now” business across more online and offline retail businesses across not just Singapore but Asia as well.&nbsp; &nbsp;</p>



<h1 class="wp-block-heading"><strong>BUY NOW PAY LATER SINGAPORE MARKET REPORT</strong><strong></strong></h1>



<p>In Singapore, the “Pay Later: Buy Now”&nbsp;market trend is ramping up. The zero-interest rate is a major attraction for buyers. They can now buy instantly without paying any extra charges and worrying about the upfront payment.</p>



<p>The BNPL industry in Singapore is expected to grow strong in the long term. The payment <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/method">method</a> of&nbsp;buy now pay later Singapore&nbsp;is expected to grow steadily with a CAGR of 18.4% during 2021-2028. The BNPL Gross Merchandise Value is expected to increase from US$ 370 million to US$ 1840 million – an increase of US$ 1470- by the year 2028.</p>



<p>According to a new report, the concept of grab pay later is being readily accepted by retailers because of the strong growth of e-commerce. It is expected that BNPL will be the 5th most used e-commerce payment <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/method">method</a> by 2024.</p>



<h1 class="wp-block-heading"><strong><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">ATOME</a>: THE BEST BNPL SERVICE IN SINGAPORE</strong><strong></strong></h1>



<p>ATOME is a Singapore-based BNPL Company and has been declared as Asia’s leading BNPL brand. They have not just tied in the retailers but also some leading FinTech companies. The company extends its services in Hong Kong, Indonesia, Mainland China, Malaysia, and of course Singapore. In Singapore alone, they have liaised up with more than 2000 retailers.</p>



<p>While buying through ATOME the customers have the ease of buying their purchase/ service in three easy installments. For the first installments, the customers are required to pay at the time of purchase, which means that the customers pay a third of the amount due and the other two installments can be paid 30 days apart. The services of ATOME are not just interest-free but also come with zero fees and zero hidden charges. They do not just offer convenience and flexibility for the consumers but also provide an increase in conversion and a growth in average orders and customer segments for the online and offline retailers.</p>
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The Dream of Every Shopping Enthusiast: Pay Later Buy Now

Why do people prefer buying with a payment installment plan?


<p>Are you looking for the most suitable payment <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/method">method</a> for your daily shopping? Everyone loves to shop. Sometimes we go out to buy only the necessities. But other times, we shop merely for the sake of shopping. </p>



<p>I believe that most of us consider it a self-<a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/love+nina+zazali">love</a> ritual. We overcome the resistance and do something for ourselves. Although in some cases, the hurdles are a bit too hard to overcome. These obstacles include the lack of finances.</p>



<h2 class="wp-block-heading">Types of payment methods used in Singapore</h2>



<p>In Singapore, there are tons of online payment methods you can get acquainted with and get your hands on. Listed below are some of the most used types of payment methods in Singapore:</p>



<ul>
<li>Bank transfer</li>



<li>Credit/debit cards</li>



<li>Cash on delivery</li>



<li>Digital wallet</li>



<li>Buy now, pay later payment methods like <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a></li>
</ul>



<h2 class="wp-block-heading">Emerging BNPL payment methods in Singapore</h2>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">BNPL</a> payment methods definitely make life easier – there&#8217;s no doubt about that. There&#8217;s no shame in splitting your bills; it has a boatload of benefits, including financial freedom.</p>



<p>Essentially, BNPL payment modes bear an uncanny resemblance with payments via credit cards. Using these robust methods, you can fragmentize your bills into smaller, more manageable payments. Moreover, there’s no interest to lose your sleepover.</p>



<p>Compared to credit cards, BNPL payment methods offer you a simplistic procedure, and you don&#8217;t have to fill in excruciatingly long applications to avail of the heavenly services.</p>



<figure class="wp-block-image size-full"><img data-attachment-id="8773" data-permalink="https://blog.atome.sg/online-shopping-ideas/explore-the-most-suitable-payment-methods-for-you/attachment/payment-methods/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/04/Payment-Methods.jpg?fit=1000%2C656&amp;ssl=1" data-orig-size="1000,656" 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="Payment-Methods" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/04/Payment-Methods.jpg?fit=300%2C197&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/04/Payment-Methods.jpg?fit=640%2C420&amp;ssl=1" decoding="async" loading="lazy" width="640" height="420" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/04/Payment-Methods.jpg?resize=640%2C420&#038;ssl=1" alt="BNPL Payment Methods" class="wp-image-8773" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/04/Payment-Methods.jpg?w=1000&amp;ssl=1 1000w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/04/Payment-Methods.jpg?resize=300%2C197&amp;ssl=1 300w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/04/Payment-Methods.jpg?resize=768%2C504&amp;ssl=1 768w" sizes="(max-width: 640px) 100vw, 640px" data-recalc-dims="1" /></figure>



<p>Here&#8217;s the leading BNPL payment <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/method">method</a> that is widely used in Singapore.</p>



<h4 class="wp-block-heading">Atome</h4>



<p>Last but certainly not least – let us introduce you to <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Atome</a>! If you’ve never heard of Atome before, have you ever been living your life to the fullest? Atome is truly a wholesome application of modern times that lets you split your bills from any of its 6,000+ merchants into three interest-free payments. It has become the leading BNPL brand that gains wide popularity among shoppers of all ages.</p>



<p>Presently, Atome has its operations in 8 markets all across Southeast Asia and allows its users to seamlessly plan and budget their finances. If you don’t feel like paying for all of your purchases right away, use Atome to slice your bills; you deserve it!</p>



<h2 class="wp-block-heading">Highlights of &#8220;Buy Now Pay Later&#8221; Payment Method</h2>



<p>If you relate to the obstacle shown above, you should probably try the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">buy now pay later</a> payment method. The procedure is as the name suggests. You can make a purchase whenever you want and pay for it within a given period.</p>



<p>It is one of the best options especially when you are shopping online. They come with different terms and conditions. You must select the one you find most satisfactory.</p>



<h3 class="wp-block-heading">Flexible Payments</h3>



<p>It would be great if you could avail the option of paying the bill in installments. This method works in such a way that your payment is divided into small parts. You can choose to pay these portions on your preferred date within a given time.</p>



<p>With the help of flexible payments, you can now afford the things you could have never imagined. You no longer have to worry about having a lump sum or big funds to purchase what you want.</p>



<h3 class="wp-block-heading">Security of Payments</h3>



<p>The most crucial thing you have to keep in mind is that you are making a protected payment. It means that your bank account and payment information are kept safe.</p>



<p>It should have strict security policies. This way, you can protect yourself from getting scammed while making online purchases.</p>



<p>A good installment method also protects its merchants from any potential loss. One way many do it is they impose a fine on the customers if they fail to pay the installments on time.</p>



<h2 class="wp-block-heading">What is Atome payment method?</h2>



<p>Headquartered in Singapore, Atome offers its users the choice and convenience of more flexible payment options for a variety of products and services. The app allows shoppers to split their purchases over three interest-free monthly payments by scanning a partner retailer’s in-store QR code or upon website checkout.</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.png?w=640&#038;ssl=1" alt="Scan QR to download Atome app" class="wp-image-8605" data-recalc-dims="1"/><figcaption class="wp-element-caption">Scan QR to download <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/get-the-app">Atome app</a></figcaption></figure></div>


<p>By splitting their payments, Atome users will be able to better manage their budget while making higher-quality products more affordable. It partners with as many brands as possible to make them available to you.</p>



<h3 class="wp-block-heading">Atome is international.</h3>



<p>Atome started in Singapore in 2019. It also has its main office in this country. Since then, it has enjoyed great success and expanded rapidly. It is now available in many South Asian Countries. Their services are now available in 10 markets across Southeast Asia:</p>



<ul>
<li>Singapore</li>



<li>Indonesia</li>



<li>Hong Kong</li>



<li>Malaysia</li>



<li>Mainland China</li>



<li>Philippines</li>



<li>Thailand</li>



<li>Vietnam</li>
</ul>



<p>Another key feature of Atome is that it provides the option of paying locally as well as making global payments. For this reason, they have partnered with several international brands as well including <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/shein">SHEIN</a> (click here for <a href="https://www.atome.sg/blog/must-read-shein-reviews-singapore" target="_blank" rel="noreferrer noopener">SHEIN reviews</a>), <a href="https://www.atome.sg/paylater-merchants/sephora" target="_blank" rel="noreferrer noopener">Sephora</a>, and <a href="https://www.atome.sg/paylater-merchants/zalora" target="_blank" rel="noreferrer noopener">ZALORA</a>. Currently, over 10,000+ merchants both online and offline work seamlessly with Atome to create a better shopping experience for all shoppers.</p>



<figure class="wp-block-image size-full"><img data-attachment-id="8775" data-permalink="https://blog.atome.sg/online-shopping-ideas/explore-the-most-suitable-payment-methods-for-you/attachment/atome-x-sephora-payment/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/04/Atome-x-Sephora-payment.jpeg?fit=1000%2C511&amp;ssl=1" data-orig-size="1000,511" 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-x-Sephora-payment" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/04/Atome-x-Sephora-payment.jpeg?fit=300%2C153&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/04/Atome-x-Sephora-payment.jpeg?fit=640%2C327&amp;ssl=1" decoding="async" loading="lazy" width="640" height="327" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/04/Atome-x-Sephora-payment.jpeg?resize=640%2C327&#038;ssl=1" alt="Sephora X Atome payment method" class="wp-image-8775" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/04/Atome-x-Sephora-payment.jpeg?w=1000&amp;ssl=1 1000w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/04/Atome-x-Sephora-payment.jpeg?resize=300%2C153&amp;ssl=1 300w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/04/Atome-x-Sephora-payment.jpeg?resize=768%2C392&amp;ssl=1 768w" sizes="(max-width: 640px) 100vw, 640px" data-recalc-dims="1" /></figure>



<h3 class="wp-block-heading">Atome offers BNPL.</h3>



<p>By now, you must be well aware of the importance of having the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg">Buy Now Pay Later</a> or BNPL option. You will be pleased to know that Atome also offers its customers the option to make payments whenever they like.</p>



<p>When you choose Atome as the payment procedure, you get the opportunity to make the purchase without paying the full cost immediately.</p>



<h3 class="wp-block-heading">Atome is Interest-free.</h3>



<p>The way Atome works is that it divides your bill into three small parts. You just have to pay one-third at the checkout. You can pay the rest of the installments 30 days apart.</p>



<p>These installments are free of any interest. You no longer have to worry about paying the interest. It is also free of any hidden charges.</p>



<h3 class="wp-block-heading">Atome is secure.</h3>



<p>With Atome, you can rest assured that you are only making secure transactions. With this, you can safely shop online and in-store.</p>



<h4 class="wp-block-heading">Apple payment method</h4>



<p>Apple Payment Method or Apple Pay Later, like every other BNPL medium, allows you to flawlessly pay for your purchases in installments. If you want to buy Apple products with the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/get-the-app">Atome app</a>, then you should try out the <a href="https://www.atome.sg/blog/istudio-installment-plan-have-yourself-stocked-up-in-apple-products-with-istudio" target="_blank" rel="noreferrer noopener">iStudio installment plan</a>.</p>



<p>Also, now that you&#8217;re using the Apple payment method to pay for your haul, we suggest you head over to Switch and Machines to get the best devices at the best payment terms!</p>



<h4 class="wp-block-heading">Cuckoo payment method</h4>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/cuckoo">Cuckoo</a> was founded in 2014, and today it serves one million households with its efficacious subscription model. Cuckoo is an affordable ownership program that allows you to determine the repayment method and amount that you&#8217;re comfortable with. Yes, that means you&#8217;re in charge here! Want a <a href="https://www.atome.sg/blog/get-clean-and-healthy-water-in-singapore-with-cuckoo-water-dispenser-and-water-purifier" target="_blank" rel="noreferrer noopener">Cuckoo water dispenser</a>? Act now to get one for a quality living style!</p>



<h2 class="wp-block-heading">Conclusion</h2>



<p>A better shopping experience derives from diverse products, a smooth payment gateway, and a sound customer service system. In terms of payment gateway, the BNPL policy like the Atome payment method works the best. No interest rate, 3 easy payments, no hidden fees! That&#8217;s your call!</p>
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Explore the most suitable payment methods for you


<p>You should consider the&nbsp;pros and cons of Experian boost&nbsp;if you are planning to enjoy its services. But first, you should know what exactly it is.</p>



<h2 class="wp-block-heading" id="what-is-experian-boost">What is Experian Boost?</h2>



<p>Experian Boost, an alternative service first launched in 2019 by credit bureau Experian, enables you to link data to your credit report.</p>



<p>For example, utilizing this service, if you link your bank account, you can combine three types of different payment data to your credit history, including utilities, telecom, and video streaming services such as Netflix, Hulu, HBO, and Disney+.</p>



<h2 class="wp-block-heading" id="how-experian-boost-works">How Experian Boost works? </h2>



<p>According to the Experian credit boost reviews, to benefit from Boost services, you&#8217;ll have to sign up, which consumes only a few minutes formally.</p>



<ul>
<li>Navigate to the official website and click to register for the free service.</li>



<li>You&#8217;ll be requested to enter all your essential data for registration.</li>



<li>Connect the bank account you will be using to pay your bills.</li>



<li>Choose payments you require to transfer into your credit report.</li>



<li>Scanning of your bank account data will occur, which Experian will use to calculate your credit score. You&#8217;ll be notified instantly about your new FICO score.</li>
</ul>



<p><strong><em><strong><em>Experian Boost doesn&#8217;t take responsibility for late payments, which can cause a drastic decrease in your credit score.</em></strong></em></strong><strong><em><strong><em></em></strong></em></strong></p>



<h2 class="wp-block-heading" id="what-are-the-pros-and-cons-of-experian-boost-reviews">What are the pros and cons of Experian Boost reviews？</h2>



<p>Generally, Before investing in services, you should know about them thoroughly. Here are some pros and cons depending upon the&nbsp;Experian Boost reviews.</p>



<h3 class="wp-block-heading" id="pros">Pros </h3>



<p>Experian Boost has been free. It allows you to handle the accounts that you want to include in your Experian credit report&nbsp;or not.</p>



<ul>
<li>Typically, utility companies do not report the monthly payments to the major credit bureaus. This means, according to Experian credit Boost review, you&#8217;re not getting any credit for paying your utility bills.</li>



<li>It is baffling to build a strong credit history and credit score with only one credit account, so creating more accounts will be helpful.</li>



<li>Experian Boost only considers positive payments in your credit reports, and you must be having at least three months of consecutive payments in your account you want to add.</li>



<li>Delayed payments do not hurt your credit scores since they won&#8217;t be included in your credit report.</li>



<li>For those struggling with credit scores, this could be a much-needed step in a promising direction.</li>



<li>If you&#8217;re eligible for a score increment, you&#8217;ll notch up your new score instantly the minute after you select the relevant payments.</li>
</ul>



<p>Equifax and TransUnion are the potential competitors of the pros and cons of Experian boost. According to the industries, all these three are different; they focus on financial services, employment, and income, insurance, etc.</p>



<p><strong>Top-rated Experian Boost Review:</strong>&nbsp;It increases the Boost credit for you for paying utility and cell phone bills, improving your overall credit score for free.</p>



<p>Now let&#8217;s consider the disadvantages of this new approach.</p>



<h3 class="wp-block-heading" id="cons">Cons</h3>



<ul>
<li>As security remains the fundamental issue with electronic payments, some people concerned about bank account information security consider&nbsp;Experian Boost&nbsp;as a non-starter as it needs access to your online checking account.</li>



<li>Experian Boost can scan your processing by looking at your transactions to utility companies from your online checking account. This means you are unable to use credit card payments and earn reward points on utility purchases.</li>



<li>It is authentically true for your credit scores, but it doesn&#8217;t work when applying for a loan.</li>



<li>If you are creating a reliable credit history, Experian Boost is not for you because it works for people who already have a suitable credit file.</li>



<li>It merely helps your&nbsp;Experian score. It won&#8217;t help your scores at the other major credit bureaus, such as TransUnion or Equifax.</li>



<li>Since all lenders may not be familiar with it, they may stream your utility and cell phone payments on your credit report and consider it part of your debt load. Experian ensures that it is dealing with lenders to consider these certain payments.</li>
</ul>



<h2 class="wp-block-heading" id="conclusion">Conclusion</h2>



<p>If the keep in view the pros and cons of Experian Boost, it can be summarized that Experian Boost is a complimentary, optional service that enables you to include alternative payments into your credit reports to boost your credit scores. This service is an attractive option if you have limited credit and want to improve it, but it isn&#8217;t a good fit for limited alternative payment histories.</p>



<p>Do you want to try other online payment tools for a change?&nbsp;<a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a>&nbsp;is right here waiting for you! It enables you to split your purchase into 3 interest-free payments when buying products from thousands of merchants. Want to&nbsp;<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">get the app</a>&nbsp;on your iOS or Android mobile? Take action now!</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.png?w=640&#038;ssl=1" alt="Scan the QR code to download Atome app" class="wp-image-8605" data-recalc-dims="1"/><figcaption class="wp-element-caption">Scan the QR code to download <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/get-the-app">Atome app</a></figcaption></figure></div>


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