CTOS DIGITAL BERHAD

CTOS DIGITAL BERHAD stands as Malaysia’s leading credit reporting and data analytics platform — a company that transformed how financial decisions are made through structured information and digital intelligence.

With operational origins dating back to 1990, CTOS evolved into the country’s dominant credit reporting agency, providing essential financial insights to banks, corporations, SMEs, and consumers. Over decades of growth, the company expanded beyond traditional credit reporting into digital credit decisioning, fintech solutions, analytics platforms, and risk management ecosystems.

Today, following its listing on Bursa Malaysia in 2021, CTOS operates as a regional data and technology powerhouse extending its presence across Southeast Asia. Its role within the financial ecosystem reflects a broader transformation in modern economies — where data increasingly functions not merely as information, but as critical infrastructure supporting trust, lending, and commercial activity.

Founder Origins:

CTOS Data Systems (Malaysia)

Current Leadership:

Group CEO: Ankur Sehgal

The leadership continues guiding the Group with a vision focused on empowering better financial and commercial decision-making through data-driven insights, digital innovation, and scalable technology solutions.

Some financial institutions are built on capital — CTOS was built on information.

In 1990, the company began with a straightforward but highly important objective: collecting, organising, and structuring credit-related information that could help financial institutions and businesses make more informed decisions. During that period, financial data was often fragmented, difficult to access, and inconsistent across industries. Credit assessments relied heavily on limited records and manual processes, creating inefficiencies and elevated risk within lending ecosystems.

CTOS introduced a more structured approach by transforming scattered data into usable financial intelligence. Its early operations focused primarily on supporting banks and financial institutions, enabling them to assess creditworthiness more efficiently, strengthen lending processes, and improve risk management practices.

As Malaysia’s economy expanded and financial systems became increasingly sophisticated, the demand for reliable data infrastructure grew rapidly. CTOS responded by broadening its capabilities beyond conventional reporting services into digital analytics, automated decisioning systems, and technology-enabled risk management solutions.

A major transformation emerged during the 2010s when the Group repositioned itself as a fintech-driven organisation integrating data, analytics, and digital technology into scalable commercial platforms. This evolution fundamentally changed the company’s identity — from a traditional credit reporting agency into a broader digital intelligence ecosystem serving financial institutions, businesses, and consumers alike.

From a repository of credit information to a regional data and fintech platform, CTOS’ journey reflected a deeper truth about modern economies: information, when structured and trusted, becomes a foundation for financial growth, commerce, and opportunity.

Core Activities:

• Credit reporting and credit scoring services

• Digital decisioning and analytics platforms

• Business information and risk management solutions

• Consumer credit monitoring and financial tools

The company focuses on transforming financial and commercial data into actionable intelligence supporting lending, risk assessment, fraud prevention, and business decision-making. Through integrated data ecosystems and digital technology platforms, CTOS positions itself as a core infrastructure provider within Malaysia’s financial and commercial landscape.

Notable Offerings Include:

• CTOS credit reports and credit scoring systems

• Digital credit decisioning and analytics platforms

• CTOS ID consumer credit monitoring services

• Business risk management and financial information tools

These offerings position CTOS as a critical financial data and digital intelligence infrastructure provider supporting both institutional and consumer ecosystems.

1990 – Establishment of CTOS credit reporting operations

2014 – Formation of CTOS Holdings Sdn. Bhd.

2021 – Listed on Bursa Malaysia

2020s – Expansion into ASEAN markets and regional digital ecosystems

2020s – Continued growth in fintech, analytics, and data-driven financial services

CTOS contributed significantly to Malaysia’s financial ecosystem by improving transparency, accessibility, and reliability within credit and financial data systems.

The company played a key role in strengthening risk management practices for banks, lenders, and businesses while enabling more informed credit assessments and lending decisions. By providing individuals with greater access to their own financial information and credit records, CTOS also contributed to growing awareness surrounding financial literacy and personal credit management.

Its evolution into a broader fintech and analytics platform further strengthened Malaysia’s digital financial infrastructure while supporting the development of data-driven decision-making across industries.

Today, CTOS DIGITAL BERHAD stands as a pillar of financial intelligence — a testament to how data, when organised, analysed, and trusted, can power economic growth, financial inclusion, and commercial confidence.

From its beginnings as a credit reporting operation to its emergence as a regional fintech and analytics ecosystem, the company’s journey reflects the growing importance of information within modern economies. Its continued evolution demonstrates that in the digital era, trust is increasingly built not only through institutions, but through the integrity, accessibility, and intelligence of data itself.