CTOS Digital Berhad is the holding company of ASEAN’s leading credit reporting agencies namely CTOS in Malaysia and BOL in Thailand. The Group offers a broad suite of digital products and credit risk management solutions and services such as, credit reporting, digital software related services, software development, outsourcing and training services. These solutions and services are used by major banking and financial institutions, insurance companies, telecommunication companies, large corporations, small medium enterprises (SMEs), as well as consumers for self-check. Through its associates, CTOS Digital Berhad provides credit reporting, information services, development of local and global financial information systems, providing online and offline business information services, consulting services, debt collection and database management.