A global loan provider
We offer single-platform consumer credit solutions customized for each country we operate in.
About

Today data is the new magic. With it you can build new worlds or make existing world better. Harnessing the power of information ATM Online is perfecting the world of consumer finance. Holistic scoring and highly predictive models guarantee maximum comfort for customers and best return for investors.

Apart from data magic our services are built on one of world’s best operational platform that leaves no process behind. Complete transparency and genuine scalability make running multiple markets an easy task. One interface, one quality standard.

More information
Operations
  • 499,638
    Registered users
  • 529,241
    Loan applications received
  • 28.02.2019
    14,398,096 USD
    Total sum of loans disbursed
85,376
Loans provided
7,139
mln USD
Credit Portfolio
Our geography
  • Working
  • Planing
Select Country
  • Vietnam
  • Sri Lanka
  • Malaysiacoming soon
  • Indonesiacoming soon
  • Philippinescoming soon
Vietnam Sri Lanka Malaysia Indonesia Philippines
Vietnam
Operations start:
September 2017
Registered users:
over 350 000
Population:
over 100 mln
Average age:
29,2
GDP growth rate:
6,8%
Internet Penetration Rate:
50.10%
Vietnam
Sri Lanka
Operations start:
November 2017
Registered users:
over 129 000
Population:
21,5 million
Economy:
GDP has doubled since 2010
Smartphone penetration:
35%
Bank account penetration:
90% among 20+
Sri Lanka
Malaysia
Operations start:
March 2017
Customer base:
1 200 000 people
Ranking:
#3 in microfinance (volumes)
#1 in microfinance (loyalty)
Country specifics:
Mobile penetration
Average age
Malaysia
Indonesia
Operations start:
March 2017
Customer base:
1 200 000 people
Ranking:
#3 in microfinance (volumes)
#1 in microfinance (loyalty)
Country specifics:
Mobile penetration
Average age
Indonesia
Philippines
Operations start:
March 2017
Customer base:
1 200 000 people
Ranking:
#3 in microfinance (volumes)
#1 in microfinance (loyalty)
Country specifics:
Mobile penetration
Average age
Philippines
News
Investment calculator
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Our team
Alexey Bychkov
CEO

Founded ATM Online in Q1 2017.

Before that Alexey managed CFCs and retail banking operations in Vietnam and Russia. Has profound experience in operations, CRM and sale.

Hai Do
CFO

Founded ATM Online in Q1 2017.

MBA graduate from a top US business school Mr. Hai focuses on funding and P&L control. He also supervises countries’ finance teams.

Sergey Lykosov
COO

Founded ATM Online in Q1 2017.

Veteran in operations and IT. Sergey builds reliable systems and transparent processes to maintain continuity and scalability of operations.

Stanislav Betin
Managing Partner. CEO, Sri Lanka

Previous experiences include #1 global POS provider as CMO and CEO of Russia’s leading online POS lending player.

Stanislav runs Sri Lankan operations and supervises Group’s marketing.

Long Vu
CRO, Vietnam

Senior risk professional with solid knowledge in digital lending, consumer finance & retail risk management.

Long excelled in improving retail business performance, profitability and turn around portfolio performance in international and local organizations.

Ishani Koshala
CRO, Sri Lanka

A seasoned professional in banking and finance industry in Sri Lanka.

Proven track record in risk management, retail & corporate banking and credit operations.

  • Alexey Bychkov
    CEO
  • Hai Do
    CFO
  • Sergey Lykosov
    COO
  • Stanislav Betin
    Managing Partner. CEO, Sri Lanka
  • Long Vu
    CRO, Vietnam
  • Ishani Koshala
    CRO, Sri Lanka
Our team
Alexey Bychkov
CEO

Founded ATM Online in Q1 2017.

Before that Alexey managed CFCs and retail banking operations in Vietnam and Russia. Has profound experience in operations, CRM and sale.

Hai Do
CFO

Founded ATM Online in Q1 2017.

MBA graduate from a top US business school Mr. Hai focuses on funding and P&L control. He also supervises countries’ finance teams.

Sergey Lykosov
COO

Founded ATM Online in Q1 2017.

Veteran in operations and IT. Sergey builds reliable systems and transparent processes to maintain continuity and scalability of operations.

Stanislav Betin
Managing Partner. CEO, Sri Lanka

Previous experiences include #1 global POS provider as CMO and CEO of Russia’s leading online POS lending player.

Stanislav runs Sri Lankan operations and supervises Group’s marketing.

Long Vu
CRO, Vietnam

Senior risk professional with solid knowledge in digital lending, consumer finance & retail risk management.

Long excelled in improving retail business performance, profitability and turn around portfolio performance in international and local organizations.

Ishani Koshala
CRO, Sri Lanka

A seasoned professional in banking and finance industry in Sri Lanka.

Proven track record in risk management, retail & corporate banking and credit operations.