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CTOS is Malaysia's leading Credit Reporting Agency. It provides individuals with personal credit reports and businesses with a comprehensive online system that allows them to manage their business credit risk via credit checks, customer monitoring and trade references. Established in 1990, CTOS is Malaysia’s leading Credit Reporting Agency (CRA) under the ambit of the Credit Reporting Agencies Act 2010. At CTOS, we facilitate credit extensions by empowering individuals and businesses with access to crucial information at greater ease and speed. According to World Bank's Doing Business Report 2014, Malaysia is deemed the easiest country to get credit in the world (out of 189 countries). We are proud to have contributed to that. By providing information to credit grantors and creating transparency, we inspire greater confidence in them to transact with parties they would otherwise know little or nothing about. However, we do not evaluate or make recommendations on credit applications. Lending involves many factors. Ultimately, an applicant must meet a credit providers' risk appetites, business policies and strategies. Credit is not a right. Needless to say, we must be prudent and responsible in our financial dealings which will have an impact in our search for credit. Given this, individuals and companies are urged to check their CTOS credit report regularly. This is to ensure accuracy and updates for quick and efficient processing of their applications. CRAs are poised to further develop under the CRA Act 2010 to benefit the people, businesses and ultimately, the nation.
Pautan luaran untuk CTOS
Are you really sure bankruptcy is your only way out? In collaboration with the Malaysian Department of Insolvency (MDI), we had the privilege of hosting a powerful and eye-opening session that shed light on the realities of bankruptcy and, more importantly how to bounce back from it. During the session, experts from MDI provided invaluable insights on the legal and practical aspects of bankruptcy, guiding participants through the steps of filing, understanding their rights, and exploring avenues for financial rehabilitation. The discussion emphasized the importance of facing financial difficulties early, and how proactive measures can significantly ease the path to recovery. A good first step is obtaining your MyCTOS Score Report. By understanding your CTOS score, you can identify areas for improvement and properly plan and rebuild your finances. If you missed it, don’t worry. This won’t be our last. We’re here to create safe spaces to talk about money, debt, and second chances. 💚 Do you want to know more about taking charge of your financial future? Download your CTOS Score Report now! Credit Check, Credit Score, Credit Report & Credit Bureau | CTOS #CTOS #CTOSDigital #DebtSolutions #FinancialFreedom #BankruptcyAwareness
🚀 Just 5 Days to Go – CTOS SME Biz Day 2025, Kuala Lumpur! 🎉 Already got your ticket? You're all set for an unforgettable day of insights, networking, and opportunity! We can’t wait to welcome you to one of the most anticipated SME events of the year. 📅 Date: 6 May 2025 (Tuesday) 📍 Venue: Nexus Grand Ballroom, Bangsar South ⏰ Time: 9 AM – 6 PM ✨ Get Ready for These Highlights: ✅ Inspiring Panel Sessions – Gain insights from top entrepreneurs, leaders & changemakers ✅ Exclusive Business Solutions – Discover tools and services tailored for SMEs at our partner booths ✅ Bonus Perks – RM20,000 worth of lucky draw prizes, complimentary lunch & tea breaks, and an exclusive door gift! 💡 Entry is by registration — please arrive early to secure your seat and collect your wristband. 🙌 Didn’t register in time? Walk-ins are welcome too — just be sure to come early! 🔗 For full event details, visit our website: https://lnkd.in/gj2pBWrD #CTOSSMEBizDay2025 #SMEBusinessDay2025 #CTOS #BusinessGrowth #CTOSEvent #FutureForwardSMEs #SeeYouThere
🚀 Get ready to unlock the future of business with Fahim Surani, GenAI Lead - Senior Solution Architect, AWS Maaysia Join us for “Unleashing the AI Advantage: A Strategic Revolution for Growing Businesses” and discover how Gen AI is reshaping the SME landscape. 🎤 Don’t miss this powerful session at SME BizDay KL! For more information, visit https://lnkd.in/g6Hh5h8n #CTOSSMEBizDay2025 #SMEBusinessDay2025 #CTOSSMEBizDay #CTOS #CTOSForBusiness #CTOSEvent #CTOSSME #AWS #GenAI #SMEBizDayKL #AIForBusiness #Innovation #FahimSurani #AWSMalaysia #FutureReady #TechForGrowth
🚀 Get ready to unlock the future of business with Leslie Goh, Regional Director, Head of Enterprise Business, Samsung Southeast Asia and Oceania! Join us for “Navigating Digital Transformation in a Bifurcated World: How Display, Mobile & Knox Technologies Power the Next Wave of Innovation across Verticals amid Global Tech Realignment” and explore how Samsung is leading the charge in redefining the global tech landscape. 🎤 Don’t miss this powerful session at SME BizDay KL! For more information, visit https://lnkd.in/g6Hh5h8n #CTOSSMEBizDay2025 #SMEBusinessDay2025 #CTOSSMEBizDay #CTOS #CTOSForBusiness #CTOSEvent #CTOSSME #Samsung #LeslieGoh #DigitalTransformation #TechForGrowth #Innovation #FutureReady #SMEBizDayKL
🎤 Meet the Speaker: Christopher Liew Senior Channel Sales Manager, AutoCount With a strong grasp of digital transformation in finance, Christopher Liew will deliver valuable insights on how businesses can effectively adopt and leverage e-Invoicing to drive efficiency and compliance. Join his session, “Navigating the E-Invoicing Landscape: Challenges and Opportunities,” where he’ll share practical strategies and key takeaways to help SMEs seamlessly integrate e-Invoicing into their operations — and stay competitive in a digital-first economy. For more information, visit https://lnkd.in/g6Hh5h8n #CTOSSMEBizDay2025 #SMEBusinessDay2025 #SMEBizDay #CTOSForBusiness #CTOSEvent #EInvoicing #FinanceInnovation #SMEs #DigitalTransformation #AutoCount
🔓 Unlock the Future of E-Invoicing – Join Our Expert Panel! 📢 Panel Topic: Navigating the E-Invoicing Landscape: Challenges and Opportunities Step into the rapidly evolving world of e-Invoicing with leading voices from government and industry! This power-packed panel will dive into the real-world challenges businesses face—and the transformative opportunities digital invoicing offers to boost efficiency, compliance, and growth. 🎤 Meet Our Esteemed Speakers: ✅ Dr. Rasyidah Che Rosli – Director, E-Invoice, LHDN ✅ Mr. Christopher Liew – Senior Channel Sales Manager, AutoCount 🎙️ Moderated by: ✅ Ms. Lee Shin Mei – Chief Operating Officer, CTOS Data Systems ✨ What You’ll Walk Away With: 🔹 Insider updates on Malaysia’s e-Invoicing roadmap 🔹 Practical tips for SMEs to implement e-Invoicing seamlessly 🔹 Compliance strategies to avoid common pitfalls 🔹 Insights into tools and tech that simplify your invoicing process 🔹 A glimpse into what’s next for digital finance in Malaysia For more information, visit https://lnkd.in/gaJ4gwg5 #CTOSSMEBizDay2025 #SMEBusinessDay2025 #CTOSSMEBizDay #SMEBizDay #CTOS #CTOSForBusiness #CTOSEvent #EInvoicing #DigitalTransformation #FinanceInnovation #SMEGrowth #AutoCount #LHDN #FutureOfFinance
🚀 Scaling SMEs: Unlocking Growth in Capital, Finance, Digital & Global Expansion 🌍💡 Don't miss this opportunity to gain valuable insights and strategies for scaling your SME to greater heights! Our esteemed panel of industry leaders will be sharings insights on fueling SME growth through capital, finance, digitalization, and market expansion! 💼📈 🔹 Speakers: ✨ Mr. Rizal Dato' Nainy - CEO, SME Corp. Malaysia ✨ Mr. Mansor Shah - Deputy CEO, MATRADE ✨ Pn. Nor Fazleen Zakaria - General Manager, Education and Outreach Division, AKPK ✨ Mr. Mohd. Redzuan Affandi - Director, Digital Services, Digital Transformation Division, MDEC 🎤 Moderated by: Datuk William Ng, National President of SAMENTA For more information, visit https://lnkd.in/gaJ4gwg5 #ctossmebizday2025 #smebusinessday2025 #ctossmebizday #CTOS #ctosforbusiness #CTOSEvent #SMEGrowth #DigitalTransformation #GlobalExpansion #ScalingSuccess
Calling all SME owners, founders & entrepreneurs in the North! After a fully booked KL event, CTOS SME Biz Day 2025 is coming to Penang on 12 June 2025 and we’re bringing the same energy, insights, and opportunities that has packed out KL! 📅 12 June 2025 (Thursday) 🕘 9 AM – 6 PM 📍 Setia SPICE Convention Centre (Ballroom 4) What to expect: ✅ Insights from business leaders like Anjoe Koh of Anjoe Raw Beaute, Timothy Tiah of Colony Co-Working Space, Fong Wai Hong of StoreHub & more ✅ Advice and insights from key government agencies ✅ Access to practical digital tools for SME growth from our partners ✅ Network with 1,000+ entrepreneurs, CEOs investors & decision-makers 🎟️ Register now before seats fill up: https://lnkd.in/gRhFvxG4 #CTOS #SMEBizDay2025 #PenangBusiness #SMEs #NetworkingOpportunities #BusinessEvents
We’re officially FULLY BOOKED for CTOS SME Biz Day 2025 – KL! 🙌 THANK YOU, KUALA LUMPUR! 🎉 From all of us at CTOS, thank you for the overwhelming support. We can’t wait to welcome every one of you on 6 May for a day full of ideas, inspiration, and game-changing connections. 💡 🤝 🚨 Missed out? Don’t worry — we’re heading your way! 📍 Penang – 12 June, Thursday 📍 Johor Bahru – 9 July, Wednesday 📍 Kuching – 19 August, Tuesday ✨ Registration is now open for Penang at: https://lnkd.in/gRhFvxG4 #CTOSSMEBizDay2025 #smebusinessday2025 #CTOSSMEBizDay #SMEBizDay #CTOS #CTOSForBusiness #CTOSEvent #fullybooked #SMEEcosystem #thankyou #seeyousoon #smenetworking #businessevents