The digital transformation challenge for micro, small, and medium-sized enterprises (MSMEs) is being met with a new, all-in-one solution. Antom, a leading merchant services provider under Ant International, has launched EPOS360, an AI-powered application that consolidates point-of-sale (POS) systems, payments, banking, lending, and business growth tools into a single platform designed to help small businesses operate more efficiently and scale effectively.
Antom launches EPOS360, an all-in-one AI-powered app for micro, small, and medium-sized enterprises.
The app integrates POS, payments, banking, lending, and digital marketing into a single platform.
A built-in AI copilot helps with tasks like creating online stores and analyzing performance.
Supported by ANEXT Bank, it offers instant business accounts and access to collateral-free loans.
The app will be available in Singapore in early 2026, with expansion to Malaysia and other markets planned.
It aims to solve MSME challenges like fragmented digital tools and insufficient funding channels.
MSMEs, which form the vast majority of businesses in Singapore and ASEAN, often struggle with a disconnected digital ecosystem. The EPOS360 app directly addresses this by bringing critical services from across Ant International—including Antom's payment processing, Alipay+'s cross-border wallets, and ANEXT Bank's digital banking—into one interface. Merchants can set up an online store, manage inventory, and access financing within minutes, significantly reducing operational complexity.
A key differentiator of the platform is its native AI capability. The embedded Antom Copilot acts as an intelligent assistant, helping merchants quickly generate marketing content, monitor cash flow, and adjust inventory. It can also provide actionable insights by analyzing competition, explaining weekly performance shifts, and even recommending timely promotions based on factors like holidays and weather.
The solution deeply integrates financial services to ease one of the biggest pain points for small businesses: access to capital. Through its connection with ANEXT Bank, a MAS-regulated digital bank, merchants can open a fee-free business account and may receive instant approval for collateral-free loans starting at S$5,000. This provides a crucial liquidity option for addressing short-term needs and supporting growth.
“Singapore has shown how a pro-MSME digital agenda can translate into strong economic vitality. To support MSMEs realise their full potential, we are packaging a wide range of merchant services into one AI-powered app that removes complexity and transforms everyday operations into new opportunities for growth,” said Ian Cheong, CEO of EPOS.
The launch of EPOS360 represents a significant step in democratizing advanced digital tools for small businesses. By combining operational, financial, and marketing capabilities with an intelligent AI layer, the platform empowers MSMEs to compete more effectively and navigate the challenges of digital commerce with greater confidence and efficiency.
About Antom
Ant International's Antom is the leading payment and digitisation services provider for merchants around the world. It offers unified, vertical-specific digital payment solutions to serve businesses of all sizes. Antom supports merchants to integrate over 300 payment methods, enabling them to connect with consumers in more than 200 markets, with the flexibility to accept payments in more than 100 currencies. Beyond payments, it provides digital marketing solutions and merchant digitisation services to help merchant streamline operations and enhance customer engagement.
About EPOS
EPOS is a leading Point-of-Sale (POS) digital solutions provider based in Singapore. Supporting Ant International's mission to empower SMEs, EPOS leverages Antom’s digital capabilities as the organisation’s central hub to serve regional small and medium-sized businesses with integrated O2O digital, payment and banking solutions.
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