CTOS Digital Berhad, an investment holding company, provides credit reporting agency and digital software related services in Malaysia, Thailand, Indonesia, and the Philippines. The company offers credit reporting services, such as reports sale, monitoring and trade referencing, and other services; sells software licenses; and provides installation and maintenance services to key accounts, commercial, and direct-to consumers. It also provides comprehensive commercial credit reports and bulk commercial data services. In addition, the company offers CTOS electronic Know-Your-Customer, CTOS application and decisioning, fraud bureau, and portfolio review services. Further, it provides software development, outsourcing, and training services; consulting, debt collection, and database management; business information services; financial information system; and business information, credit bureau, marketing list, market research, industry studies, and related consultation services. The company serves key account customers in financial institutions, telecommunications, insurance, e-commerce, and other industries; small and medium enterprises; and individual customers. The company was founded in 1990 and is headquartered in Petaling Jaya, Malaysia.