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Ant International’s Antom Launches AI‑Powered MSME App for Finance and Business Operations

Business

Ant International’s Antom Launches AI‑Powered MSME App for Finance and Business Operations
Business

Business

Ant International’s Antom Launches AI‑Powered MSME App for Finance and Business Operations

2025-11-12 10:01 Last Updated At:13:09

SINGAPORE--(BUSINESS WIRE)--Nov 11, 2025--

Antom, a leading provider of merchant payment and digitisation services under Ant International, today announced EPOS360, an app that brings point-of-sale (POS) system, payments, banking, lending, and growth support together to help micro, small and medium-sized enterprises (MSMEs) move from setup to scale efficiently.

This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20251111066634/en/

EPOS is the all-in-one SME transformation platform of Antom, one of Ant International’s major business pillars. In the first ten months of 2025, Antom recorded strong business momentum, with acquiring TPV for non-Alipay users growing over 70% year-on-year. With the launch of the new app, Antom is set to serve more MSMEs alongside enterprise customers.

In Singapore, about 99% of enterprises are SMEs. In ASEAN, MSMEs account for 97.2% – 99.9% of total establishments in ASEAN Member States. Regionally, the MSMEs contribute 44.8% to GDP. While access to finance has improved, many MSMEs still face challenges in navigating fragmented digital ecosystem, getting market insights, experiencing slow response to market volatilities, and insufficient funding channels, etc.

To tackle these pain points, the AI-powered EPOS360 app consolidates POS system, payments, banking, lending, digitisation, marketing and other growth-enabling services. Available on iOS and Android in early 2026, the app allows MSMEs to access all these services, provided by Antom, Alipay+ and ANEXT Bank under Ant International, within five minutes.

The app will help MSMEs engage more customers. It enables merchants to set up online stores across Google Maps, partnering e-wallets, and other digital channels within minutes, making it easier for consumers to find them and place orders. Merchants can also manage daily operations, inventory, and seasonal promotions, as well as get financing support from MAS-regulated ANEXT Bank without any collaterals, all at their fingertips.

In phase one, EPOS360 serves Singapore MSMEs, particularly those in retail and food & beverage, and will expand to cover Malaysia as a mini app within Touch 'n Go in early 2026. It will roll out to more markets later. The app will be available in English, Chinese, Bahasa Malaysia, Thai, and Japanese, with more languages to be added in the future.

Born with AI embedded, the app features a built-in Antom Copilot that helps merchants quickly create online stores, boost sales with omnichannel marketing, and monitor cash flow. It can suggest inventory adjustments, explain weekly performance shifts, or address payment issues. It also analyses competition and marketing campaign results to guide smarter decisions. In addition, the MSME-facing AI copilot identifies holidays, weather changes, competitors, and bundling opportunities to recommend timely promotions, generate content, and publish it across multiple digital channels.

Supported by ANEXT Bank, EPOS360 integrates banking and financing so businesses can manage funds and access credit with ease. Merchants can open a free business account, with no minimum balance or transaction fees, and earn a competitive per annum daily interest rate on eligible balances. The platform also supports expansion, allowing merchants to hold multiple currencies.

Backed by ANEXT Bank, eligible merchants may receive instant approval for a loan up to S$5,000 at sign-up to address short-term needs, with higher limits available and revenue-based financing options available as they grow.

For payments, EPOS360, supported by Antom's payment processing service provider, helps merchants accept cards and alternative payment methods for online and in-store transactions, with same-day settlement available for certain payment methods. As businesses grow, the payments setup scales with them, such as activating Alipay+ cross-border partner wallets for foreign visitors.

The app also allows merchants to pair and configure their EPOS360 Bluetap, a smart over-the-counter terminal that accepts both QR and card payments. Its QR code-based tap-to-pay feature is powered by Ant's proprietary technology.

Ian Cheong, CEO of EPOS, said: “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. With EPOS360, even a neighbourhood food & beverage stall can launch an online menu, access an instant small loan, and set up a weekend promotion in minutes.”

Gary Liu, General Manager of Antom, Ant International, said: “We aim to make advanced technologies and high-quality services accessible to businesses of all sizes. Tailored-made merchant services have long felt beyond the reach of MSMEs, and EPOS360 lowers that barrier. While continuing to support cross-border merchants, we are deepening our focus on empowering local MSMEs with the same level of innovation and capability to drive sustainable growth.”

EPOS serves over 6,000 merchants in Singapore and is expanding to other markets. The platform helps businesses improve efficiency and customer engagement with intelligent sales systems, AI-driven CRM and analytics, and hardware solutions such as Soundbox and self-ordering kiosks.

To recognise outstanding MSMEs that excel in innovation, digitisation, customer experience and workplace culture, Ant International and EPOS have launched the inaugural Emerging Champions Awards in Singapore. Winners include Ai Muay Management Pte. Ltd., which won the Grand Prize in Digital Transformation for its digital transformation strategy for the six wet markets it manages, and Big Spring Day Seafood Trading Pte. Ltd., a local surimi seafood manufacturer named The Most Innovative SME for its proprietary blast-freezing technology and business model. Each winner will receive up to S$10,000 in Family Credits that can be redeemed for EPOS services to accelerate their digitisation journey.

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. To learn more, please visit https://www.antom.com/.

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. For more information about EPOS360, please visit https://www.epos.com.sg/epos360/.

EPOS360 allows merchants to pair and configure EPOS360 Bluetap, a smart over-the-counter terminal that accepts both QR and card payments.

EPOS360 allows merchants to pair and configure EPOS360 Bluetap, a smart over-the-counter terminal that accepts both QR and card payments.

The AI-powered EPOS360 provides POS system, payments, banking, lending and other growth-enabling services, offering customised support to help MSMEs operate more efficiently (Image for illustrative purposes only).

The AI-powered EPOS360 provides POS system, payments, banking, lending and other growth-enabling services, offering customised support to help MSMEs operate more efficiently (Image for illustrative purposes only).

MINNEAPOLIS (AP) — A federal officer shot a person in the leg in Minneapolis after being attacked with a shovel during an arrest Wednesday, a person familiar with the matter told The Associated Press.

The person cautioned the information was still preliminary, and the investigation was in its early stages. The person could not discuss details of the investigation publicly and spoke to AP on condition of anonymity.

The shooting took place about 4.5 miles (7.2 kilometers) north of where an immigration agent fatally shot Renee Good in the head on Jan. 7 as she drove away.

A large group of federal agents and Minneapolis Police wearing gas masks fired tear gas into a crowd gathered at a north Minneapolis intersection near where Wednesday's shooting took place.

The city of Minneapolis said on the social media platform X that, “We are aware of reports of a shooting involving federal law enforcement in North Minneapolis. We are working to confirm additional details.”

Earlier Wednesday, a judge gave the Trump administration time to respond to a request to suspend its immigration crackdown in Minnesota, while the Pentagon looked for military lawyers to join what has become a chaotic law enforcement effort in the state.

Plumes of tear gas, bursts of chemical irritants and the screech of protest whistles have become common on the streets of Minneapolis, especially since Good's shooting.

Agents have yanked people from cars and homes and been confronted by angry bystanders who are demanding that officers pack up and leave.

“What we need most of all right now is a pause. The temperature needs to be lowered," state Assistant Attorney General Brian Carter said during the first hearing in a lawsuit filed by Minnesota and the cities of Minneapolis and St. Paul.

Local leaders say the government is violating free speech and other constitutional rights with the surge of law enforcement. U.S. District Judge Katherine Menendez promised to keep the case “on the front burner” and gave the U.S. Justice Department until Monday to file a response to a request for a restraining order.

The judge said these are "grave and important matters,” and that there are few legal precedents to apply to some of the key points in the case.

Justice Department attorney Andrew Warden suggested the approach set by Menendez was appropriate.

The judge is also handling a separate lawsuit challenging the tactics used by Immigration and Customs Enforcement and other federal officers when they encounter protesters and observers. A decision could be released this week.

During a televised speech Wednesday evening, Gov. Tim Walz described Minnesota as being in chaos, saying what's happening in the state “defies belief.”

“Let’s be very, very clear, this long ago stopped being a matter of immigration enforcement," he said. "Instead, it’s a campaign of organized brutality against the people of Minnesota by our own federal government.”

Walz added that “accountability” will be coming through the courts.

The Department of Homeland Security says it has made more than 2,000 arrests in the state since early December and is vowing to not back down. The Pentagon is preparing to send military lawyers to Minneapolis to assist.

CNN, citing an email circulating in the military, says Defense Secretary Pete Hegseth is asking the branches to identify 40 lawyers known as judge advocate general officers or JAGs, and 25 of them will serve as special assistant U.S. attorneys in Minneapolis.

Pentagon spokesperson Kingsley Wilson appeared to confirm the CNN report by posting it on X with a comment that the military “is proud to support” the Justice Department.

The Pentagon did not immediately respond to emails from The Associated Press seeking more details.

It’s the latest step by the Trump administration to dispatch military and civilian attorneys to areas where federal immigration operations are taking place. The Pentagon last week sent 20 lawyers to Memphis, U.S. Attorney D. Michael Dunavant said.

Mark Nevitt, an associate professor at Emory University School of Law and a former Navy JAG, said there's concern that the assignments are taking lawyers away from the military justice system.

“There are not many JAGs but there are over one million members of the military, and they all need legal support,” he said.

Jonathan Ross, the Immigration and Customs Enforcement officer who killed Good, suffered internal bleeding to his torso during the encounter, a Homeland Security official told The Associated Press.

The official spoke to AP on condition of anonymity in order to discuss Ross’ medical condition. The official did not provide details about the severity of the injuries, and the agency did not respond to questions about the extent of the bleeding, exactly how he suffered the injury, when it was diagnosed or his medical treatment.

There are many causes of internal bleeding, and they vary in severity from bruising to significant blood loss. Video from the scene showed Ross and other officers walking without obvious difficulty after Good was shot and her Honda Pilot crashed into other vehicles.

She was killed after three ICE officers surrounded her SUV on a snowy street a few blocks from her home.

Bystander video shows one officer ordering Good to open the door and grabbing the handle. As the vehicle begins to move forward, Ross, standing in front, raises his weapon and fires at least three shots at close range. He steps back as the SUV advances and turns.

Homeland Security Secretary Kristi Noem has said Ross was struck by the vehicle and that Good was using her SUV as a weapon — a self-defense claim that has been deeply criticized by Minnesota officials.

Chris Madel, an attorney for Ross, declined to comment on any injuries.

Good’s family, meanwhile, has hired a law firm, Romanucci & Blandin, that represented George Floyd’s family in a $27 million settlement with Minneapolis. Floyd, who was Black, died after a white police officer pinned his neck to the ground in the street in May 2020.

The firm said Good was following orders to move her car when she was shot. It said it would conduct its own investigation and publicly share what it learns.

“They do not want her used as a political pawn,” the firm said, referring to Good and her family, “but rather as an agent of peace for all.”

Waving signs reading “Love Melts ICE” and “DE-ICE MN,” hundreds of teenagers left school in St. Paul and marched in freezing temperatures to the state Capitol for a protest and rally.

The University of Minnesota, meanwhile, informed its 50,000-plus students that there could be online options for some classes when the new term starts next week. President Rebecca Cunningham noted that “violence and protests have come to our doorstep.” The campus sits next to the main Somali neighborhood in Minneapolis.

Associated Press reporters Julie Watson in San Diego, California; Rebecca Santana in Washington, D.C.; Ed White in Detroit; Giovanna Dell’Orto in Minneapolis; Graham Lee Brewer in Oklahoma City, Oklahoma; and Hallie Golden in Seattle contributed.

Federal immigration officers at the scene of a reported shooting Wednesday, Jan. 14, 2026, in Minneapolis. (AP Photo/John Locher)

Federal immigration officers at the scene of a reported shooting Wednesday, Jan. 14, 2026, in Minneapolis. (AP Photo/John Locher)

A woman confronts a federal immigration officer at the scene of a reported shooting Wednesday, Jan. 14, 2026, in Minneapolis. (AP Photo/John Locher)

A woman confronts a federal immigration officer at the scene of a reported shooting Wednesday, Jan. 14, 2026, in Minneapolis. (AP Photo/John Locher)

People react after a firework was set off near the scene of a reported shooting Wednesday, Jan. 14, 2026, in Minneapolis. (AP Photo/Abbie Parr)

People react after a firework was set off near the scene of a reported shooting Wednesday, Jan. 14, 2026, in Minneapolis. (AP Photo/Abbie Parr)

Federal immigration officers shoot pepper balls as tear gas is deployed at the scene of a reported shooting Wednesday, Jan. 14, 2026, in Minneapolis. (AP Photo/John Locher)

Federal immigration officers shoot pepper balls as tear gas is deployed at the scene of a reported shooting Wednesday, Jan. 14, 2026, in Minneapolis. (AP Photo/John Locher)

Law enforcement officers stand amid tear gas at the scene of a reported shooting Wednesday, Jan. 14, 2026, in Minneapolis. (AP Photo/Adam Gray)

Law enforcement officers stand amid tear gas at the scene of a reported shooting Wednesday, Jan. 14, 2026, in Minneapolis. (AP Photo/Adam Gray)

Federal immigration officers are seen Wednesday, Jan. 14, 2026, in Minneapolis. (AP Photo/Abbie Parr)

Federal immigration officers are seen Wednesday, Jan. 14, 2026, in Minneapolis. (AP Photo/Abbie Parr)

Hundreds of protesters gather in front of the Minnesota State Capitol in response to the death of Renee Good, who was fatally shot by an ICE officer last week, Wednesday, Jan. 14, 2026, in St. Paul, Minn. (AP Photo/John Locher)

Hundreds of protesters gather in front of the Minnesota State Capitol in response to the death of Renee Good, who was fatally shot by an ICE officer last week, Wednesday, Jan. 14, 2026, in St. Paul, Minn. (AP Photo/John Locher)

Protesters gather in front of the Minnesota State Capitol in response to the death of Renee Good, who was fatally shot by an ICE officer last week, Wednesday, Jan. 14, 2026, in St. Paul, Minn. (AP Photo/John Locher)

Protesters gather in front of the Minnesota State Capitol in response to the death of Renee Good, who was fatally shot by an ICE officer last week, Wednesday, Jan. 14, 2026, in St. Paul, Minn. (AP Photo/John Locher)

Protesters gather in front of the Minnesota State Capitol in response to the death of Renee Good, who was fatally shot by an ICE officer last week, Wednesday, Jan. 14, 2026, in St. Paul, Minn. (AP Photo/John Locher)

Protesters gather in front of the Minnesota State Capitol in response to the death of Renee Good, who was fatally shot by an ICE officer last week, Wednesday, Jan. 14, 2026, in St. Paul, Minn. (AP Photo/John Locher)

Federal officers stand guard after detaining people outside of Bishop Henry Whipple Federal Building, Tuesday, Jan. 13, 2026, in Minneapolis. (AP Photo/Adam Gray)

Federal officers stand guard after detaining people outside of Bishop Henry Whipple Federal Building, Tuesday, Jan. 13, 2026, in Minneapolis. (AP Photo/Adam Gray)

People visits a makeshift memorial for Renee Good, who was fatally shot by an ICE officer last week, Tuesday, Jan. 13, 2026, in Minneapolis. (AP Photo/John Locher)

People visits a makeshift memorial for Renee Good, who was fatally shot by an ICE officer last week, Tuesday, Jan. 13, 2026, in Minneapolis. (AP Photo/John Locher)

A person is detained by federal agents near the scene where Renee Good was fatally shot by an ICE officer last week, Tuesday, Jan. 13, 2026, in Minneapolis. (AP Photo/Adam Gray)

A person is detained by federal agents near the scene where Renee Good was fatally shot by an ICE officer last week, Tuesday, Jan. 13, 2026, in Minneapolis. (AP Photo/Adam Gray)

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