CTOS Digital Sdn Bhd is a credit reporting agency (CRA) with over 30 years of data experience and was originally incorporated in Malaysia in 2014 under a different name. The public company’s subsidiaries are involved in the business of credit reporting, digital software related activities, software development, and outsourcing and training services as well as investment holding, with its associates engaged in similar lines of work.

CTOS Digital, which went public in 2021, serves key accounts, commercial clients, and direct-to-consumer clients, and provides credit information and analytics through digital solutions. Fundamentally helping consumers and businesses manage their credit health and enhance their financial literacy, the company now boasts over 1.3 million users and a database containing profiles of about 15 million consumers and 8 million companies and businesses.

As the ASEAN leader in its field, CTOS Digital developed an end-to-end digital credit management platform, with a fully-fledged ecosystem of quality solutions that support every stage of the customer lifecycle, such as eKYC. This system has ultimately become an integral part of some of its clients’ businesses, with some of their core business processes being completely reliant on its all-encompassing solutions in order to operate.

Today, CTOS Digital knocks its competitors out of the park not only through differentiated digital solutions, but also the quality and scope of its database, analytics capabilities, ease of integration with clients’ technology, service stability, customer relationships, innovation, and price. In fact, the CRA has recorded a market share in terms of revenue of over 71% in 2020 within Malaysia, with this number growing consistently as it continues to innovate.

Amongst the other factors that have contributed to CTOS Digital’s growth and success include the strategic expansion of its business through acquisitions and investments in complementary businesses and assets, an extensive distribution network and sales force alongside a well-trained after-sales support team, a diversified customer base which enables a wide-ranging income stream, broadening of its data sources, and expansion into new business verticals.

CTOS Digital also operates in a highly regulated environment, subject to regulatory oversight by the CRA Registrar and is under the purview of the Malaysian Ministry of Finance. In regards to corporate governance, CTOS Digital operates strictly based on its anti-bribery and corruption commitment, its code of business conduct and ethics that bolsters a favourable and trusting environment, and high standards of transparency and accountability within the company.