CTOS Data Systems

CTOS, established in 1990, is Malaysia's premier Credit Reporting Agency (CRA) operating under the Credit Reporting Agencies Act 2010. The company facilitates credit extensions by providing individuals and businesses with access to essential credit information quickly and efficiently. CTOS serves a wide range of clients, including automotive manufacturers, suppliers, food retailers, pharmaceuticals, and more, helping them make informed credit decisions. The company operates in the Malaysian market, which is ranked 12th out of 190 countries for ease of doing business according to the World Doing Business Report 2020. CTOS's business model revolves around collecting, analyzing, and distributing credit information to credit grantors, thereby creating transparency and fostering confidence in financial transactions. The company generates revenue by offering credit reports and related services to businesses and individuals. CTOS is committed to integrity, adhering to anti-bribery and anti-corruption principles, and ensuring compliance with corporate governance standards.

Keywords: credit reporting, Malaysia, CRA, credit information, transparency, financial transactions, business integrity, corporate governance, credit grantors, market leader.