CTOS

Founded in 1990, CTOS is a key player in Malaysia's financial infrastructure and the country's leading credit reporting agency. Its core business involves collecting credit-related information from various public and proprietary sources to create comprehensive credit reports and scores for individuals and businesses. The company's mission is to empower individuals and businesses to make better financial decisions by providing access to credit information, analytics, and digital solutions. As part of the publicly listed CTOS Digital Berhad, it has expanded its services to include digital identity verification (e-KYC), data analytics, and software solutions for financial institutions, corporations, and SMEs across Southeast Asia.