CTOS Business Systems Sdn Bhd (CBS) has a crucial tool to aid businesses – the CTOS Credit Manager. It is tailor-made to facilitate businesses in mastering the three most relevant credit management power tools – Evaluation, Monitoring and Recovery.

Today, the CBS solution has established itself as a popular information resource system for individuals and businesses in Malaysia.

Stay Ahead Of The Curve


Know the status – whether it’s your own or your customers' – to make quicker and more accurate business decisions.

About Credit Manager


Understanding the risks in credit extensions, CBS created a tool known as the Credit Manager...more +

What is EMR?


In extending credit, businesses must invariably deal with three basic issues...more +

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