Maya Bank, Atome forge P2.75B loan channeling deal to boost credit access in the Philippines

• From left: Jefferson Chen, CEO, Atome Financial; Chris Quiros, Country General Manager, Atome Philippines; Angelo Madrid, President, Maya Bank; Manu Panda, COO, Maya Bank

By TechWatch PH Staff

Philippine digital banking leader Maya Bank has partnered with Atome, Southeast Asia’s leading digital finance platform, in a P2.75 billion (USD 48 million) loan channeling agreement aimed at expanding access to credit for millions of Filipinos.

The partnership will enable Maya Bank to extend more responsible financing options to creditworthy individuals, leveraging its position as the licensed digital bank within the Maya ecosystem. Through this initiative, Filipinos will gain greater access to flexible payment solutions that support both everyday needs and long-term financial growth.

Christian Quiros, President & Country General Manager, Atome Philippines said, ”We are deeply honored to partner with Maya Bank, a true trailblazer in digital banking. Together, we are expanding access to responsible, risk-managed, and transparent flexible payment options that make more products and services truly ‘Available-To-Me’ for millions of Filipinos. Since Day One, Atome’s mission has been to improve lives through greater financial access and technology, and this partnership with Maya Bank is a significant step forward in that journey in the Philippines.”

Maya Bank will power this loan channeling initiative, providing creditworthy Filipinos with greater access to responsible financing. As the licensed digital bank within the Maya ecosystem, Maya Bank anchors the country’s most extensive digital fintech platform—combining payments, savings, credit, and deposits in one ecosystem for both consumers and enterprises.

“We are delighted to work with Atome in expanding credit access for more Filipinos. This collaboration leverages digital technology to bring fast, secure, and responsible financing into the hands of underserved customers, helping them build financial confidence and long-term resilience,” said Angelo Madrid, Maya Bank President, as he emphasized the impact of the partnership.

Started in Singapore in late 2019, Atome is Southeast Asia’s leading digital finance platform, and has expanded from being the region’s largest embedded financing provider to also offer cards, lending, insurance and savings products.

In 2024, Atome processed over US$2 billion in Gross Merchandise Volume (GMV) across the region. Powered by merchant partnerships and growing consumer adoption, annualised GMV surpassed US$4 billion in June 2025, with strong momentum heading into the year-end holiday season. In the Philippines alone, Atome has served over 4 million Buy Now, Pay Later customers.”

Launched in 2022, Maya Bank powers the digital banking experience of consumers and enterprises across the Maya family of products, including Maya all-in-one app, Maya Business, and Maya Center.

Maya is transforming how money works for Filipino consumers and MSMEs, through innovative and relevant financial services, including savings, deposits, and credit via Maya.

This initiative between Maya Bank and Atome represents another milestone in building a more inclusive financial ecosystem in the Philippines, setting a strong foundation for responsible, technology-driven financial empowerment.