partners with CTOS to take first step towards offering personalised financial products

Thiva Selvarajoo

Thiva Selvarajoo

Last updated 03 March, 2022

CTOS, the leading credit reporting agency in Malaysia, has today announced a partnership with, a local personal finance platform. Through the partnership, all Malaysians will be able to access a free credit score assessment, to help them better understand their creditworthiness. This serves as the building blocks of future innovation within the financial space, enabling to provide personalised financial product recommendations to its customers via their online platform.

Underpinning this partnership is the shared goal of advocating for and empowering the improvement of financial literacy in Malaysia. An important part of financial literacy is arming consumers with the knowledge of their credit standing through their MyCTOS Score Report.  Consumers that are aware of their scores are more likely to pay their bills on time and are able to increase their credit scores moving forward. 

The CTOS Score is a three-digit number that indicates a consumer’s credit risk. The score ranges from 300 to 850 and the higher the score, the lower the credit risk. Having a high credit score shows that customers are responsible and diligent about paying bills, which makes it more likely for banks and lenders to approve credit applications and offer better terms. Scores can also be delivered instantaneously, helping lenders speed up loan approvals.

Our new partnership with allows CTOS to continue our goal in providing innovative solutions to consumers so they can manage their credit health better. This will improve their access to credit, while realizing our aim to empower Malaysians to make better financial decisions based on their own needs and affordability,” said Eric Hamburger, Deputy Group CEO of CTOS Digital Berhad. users will be able to obtain the complimentary CTOS Scores by verifying their identity remotely through the market-leading CTOS eKYC solution, which will also be integrated into the platform.

The Covid-19 pandemic has led to a huge uplift within the digital economy, while at the same time, putting a spotlight on the financial health of many Malaysians. In partnership with CTOS, beginning with the credit score assessment, we aim to reemphasise the importance of building healthier financial lives and continue adding value to the overall ecosystem. To celebrate this, we are pleased to share that will also be offering 5,000 complimentary CTOS scores per month, on a first come first serve basis,” announced Eu Jin Voon, General Manager of

Do you know your credit score standing? If you do not, it would be prudent to seize the opportunity to receive a complimentary CTOS credit score via 

Click here to get started with your credit score assessment!


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