CTOS Digital Sdn Bhd stands at the forefront of Malaysia’s credit reporting industry, daring to go beyond profit to enhance financial literacy and credit health across the nation. With over 30 years of experience in data solutions, the company has grown into a powerhouse of digital credit management, serving key accounts, commercial clients, and direct-to-consumer users with cutting-edge analytics and digital solutions.
Expanding Reach and Market Presence
Since going public in 2021, CTOS Digital has expanded its reach, now serving over 1.3 million users with a database covering approximately 15 million consumers and 8 million businesses. Its comprehensive ecosystem of digital solutions, including an end-to-end digital credit management platform and eKYC solutions, has become an integral part of businesses’ core processes, enabling seamless and secure financial transactions.
Competitive Edge and Industry Leadership
The company’s competitive edge lies in its extensive database, advanced analytics, seamless technology integration, service stability, strong customer relationships, and commitment to innovation. With a market share exceeding 71% in Malaysia’s credit reporting industry in 2020, CTOS Digital continues to strengthen its position through strategic acquisitions, an extensive distribution network, a diversified customer base, and expansion into new business verticals.
Commitment to Regulatory Compliance and Governance
Operating in a highly regulated environment, CTOS Digital is governed by the CRA Registrar under the Malaysian Ministry of Finance. Upholding the highest standards of corporate governance, the company enforces strict anti-bribery and corruption policies, a code of business conduct, and unwavering transparency and accountability.
Innovating for the Future
Recognizing the rapid shift in consumer behavior, accelerated by the COVID-19 pandemic, CTOS Digital is focused on refining real-time credit decision-making within its digital ecosystem. By continuously integrating new technologies and tailoring solutions to meet evolving client needs, the company remains agile and future-ready.
Investing in People
Internally, CTOS Digital fosters an innovative work culture by investing in its employees. Beyond comprehensive medical and family insurance coverage, the company prioritizes learning and development programs, equipping employees with functional skills, soft skills, and leadership capabilities to navigate the digital economy.
Corporate Social Responsibility and Financial Education
Corporate social responsibility is deeply embedded in CTOS Digital’s mission. Through the CTOS Financial Education Programme and Knowledge Centre, the company actively promotes financial literacy by providing free MyCTOS Basic Reports, hosting financial education roadshows in collaboration with government bodies, and sharing financial education content through social media. Additionally, CTOS Digital supports SMEs by participating in industry talks and seminars, while also engaging in sponsorships and other community initiatives.
Shaping a Stronger Financial Future
Going beyond financial success, CTOS Digital is dedicated to building a more credit-conscious nation, shaping a stronger financial future for Malaysians. Being recognized as one of ACES’ Innovative Tech Companies of the Year solidifies its position as a market leader, driving world-class credit management digital solutions that empower businesses and individuals alike
