Antom launches EPOS360: an AI-driven finance and operations app for MSMEs
Antom, the merchant services arm of Ant International, has introduced EPOS360-an integrated app that brings POS, payments, banking, lending, and growth tools into one place. It's built to help micro, small and medium-sized enterprises set up, run, and scale with tighter control over cash flow, costs, and data.
Antom has been one of Ant International's major business pillars, and the momentum shows: in the first ten months of 2025, acquiring TPV for non-Alipay users grew over 70% year-on-year. With EPOS360, the company is extending its reach across MSMEs while continuing to support enterprise clients.
Why this matters to finance teams
- Single source of financial truth: Unifies sales, settlements, and banking, reducing reconciliation cycles and manual error.
- Faster cash conversion: Integrated payments and lending can shorten days sales outstanding and smooth working capital swings.
- Data for credit and planning: Continuous POS and payments data can sharpen underwriting, demand forecasting, and inventory purchasing.
- Tighter unit economics: Consolidation may lower software sprawl, payment fees, and back-office overhead.
- Governance and auditability: Centralized logs and standardized workflows support audits, controls, and risk reviews.
What EPOS360 brings together
- Point-of-sale (POS): Sales capture, inventory sync, and reporting.
- Payments: Acceptance, settlement, and reporting in one stack.
- Banking and lending: Access to accounts and credit via Antom, Alipay+, and ANEXT Bank under Ant International.
- Digitisation and marketing: Tools to move offline processes online and support customer growth.
The goal: help MSMEs move from setup to expansion without stitching together multiple vendors or workflows.
Market context
SMEs make up about 99% of enterprises in Singapore. Across ASEAN, MSMEs account for roughly 97.2%-99.9% of establishments and contribute 44.8% of GDP.
Even with better access to finance, many MSMEs still deal with a fragmented digital toolset, limited market insight, slow reactions to demand shocks, and fewer funding channels. EPOS360 targets these gaps by consolidating core financial and operational services.
Signals to track
- Acquiring economics: Effective blended MDR, settlement times, dispute rates, and chargeback handling.
- Credit performance: Underwriting models that use real-time POS flows; watch approval speed, loss rates, and limit management.
- Data portability: Export options, API access, and ease of migrating historical data if strategy changes.
- Controls and compliance: KYC/AML standards, audit trails, role-based access, and data residency.
- Total cost of ownership: Pricing across POS, payments, banking, lending, and marketing-plus any add-ons.
Practical steps for CFOs and finance leads
- Map current finance stack and identify duplicate spend across POS, payment gateways, and lending partners.
- Set guardrails for cash flow: target settlement windows, reserve levels, and contingency lines.
- Pilot with a defined cohort of locations or SKUs; benchmark reconciliation time and error rates pre/post rollout.
- Align credit policy to live sales data; monitor PD/LGD shifts monthly in the first two quarters.
- Run a vendor risk review: uptime SLAs, incident response, data export, and business continuity.
Availability and onboarding
EPOS360 will be available on iOS and Android in early 2026. MSMEs can access services provided by Antom, Alipay+, and ANEXT Bank under Ant International, with setup reported to take about five minutes.
Bottom line
If you manage finance for MSMEs or oversee portfolios exposed to them, a unified stack like EPOS360 can simplify cash, credit, and controls while trimming operational drag. The upside is in cleaner data and faster cycles; the work is in due diligence, piloting, and measuring real unit-cost impact.
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