CTOS Digital Bhd is a Malaysia-based investment holding company. The Company, through its subsidiaries engaged in the business of credit reporting, digital software related services, software development, outsourcing and training services, investment holding, business information reporting and data analytics services such as pre-employment checks. Its associates are involved in the business of credit reporting, information services, and development of local and global financial information system, online and offline business information service provider, consulting services, debt collection service and database management. The Company provides credit information and analytics digital solutions on companies, businesses and consumers for use by banks and provide credit information and analysis to consumers. It serves three types of customers: Key Accounts, Commercial and Direct-to-Consumer.