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*Basis Business Report*
Contains detailed information about the business entity including its history,
directors, corporate registry information, banking relationships and
encumbrances as well as potential legal suits related to the business entity,
and forms part of the Basis Overseas Report and Basis Credit Report or
can be purchased separately
*Basis Credit Report*
Contains Basis Overseas Report information on Malaysian companies
*Basis Overseas Report*
Contains information such as registration information, date of incorporation,
legal status, capital structure, encumbrances and legal actions, as well as
more extensive information on payment records, clientele, operations,
recent developments, industry outlook, Basis’ comments and Basis’ credit
risk evaluation on companies outside of Malaysia
*Basis Trade Report*
Contains Basis Business Report information and the latest three years’
financial statements, comparative financial analysis and financial
comments on Malaysian companies
*Business Listings*
Basis’ directory of Malaysian businesses containing basic information such
as business description, contact details and hours of operation for
prospecting purposes
*CAD*
CTOS Application and Decisioning, an automated digital solution that
enables users to make credit decisions instantly based on CRA information
and the business or credit policies of the customer
*CCRIS*
Central Credit Reference Information System, a computerised database
maintained by BNM Credit Bureau to provide standardised credit reports
on a potential borrower
*CED*
CTOS Enhanced Database, contains litigation and bankruptcy proceedings
information shared by CTOS Data Systems subscribers such as banks,
non-bank lenders, telecommunication companies and law firms
*Commercial*
A customer type comprising all of our Malaysian commercial customers
other than our Key Accounts customers including the SMEs
*Company Search*
A Malaysian company directory search service offered through CTOS
Basis
*Comprehensive Portfolio Review*
A comprehensive review of customer’s portfolios of end-customer data to
provide CTOS Data Systems’ customers with more information about their
own customer bases
*CREST*
Council of Registered Ethical Security Testers
*CTOS Basis*
Provides access to International Reports, litigation check, credit monitoring
services and Company Search
*CTOS Basis Reports *
Comprises all reports offered by Basis, namely, the Basis Business Report,
Basis Credit Report, Basis Trade Report and International Reports
*CTOS BizFinder*
Digital SME directory with business descriptions and contact information
*CTOS Consumer Score*
A credit rating standard applicable to individuals i.e. a three-digit number
ranging from 300 (poor) to 850 (excellent) that features in CTOS Score
Reports and MyCTOS Score Reports as well as subscription to CTOS
SecureID
*CTOS CreditFinder*
Loan matching and referral platform for the listings of financial products
targeted at consumers which are offered based on CTOS Consumer Score
*CTOS Credit Manager*
CTOS Data Systems’ subscription-based online credit risk management
platform for customers to search, store, monitor and manage their own
customers’ and/or related business parties’ credit and other information
*CTOS Data Systems Reports*
Comprises all reports offered by CTOS Data Systems, namely, the CTOS
Report, CTOS LitE Report, CTOS Score Report, CTOS SME Report,
MyCTOS Basic Report, MyCTOS Score Report and reports with CCRIS
*CTOS eKYC*
CTOS Electronic Know-Your-Customer, a digital identity verification
solution with a four-layer authentication process
*CTOS ID*
An account registered with CTOS Data Systems which allows consumers
to access their CTOS Scores and credit information
*CTOS IDGuard*
CTOS Data Systems’ credit application fraud prevention solution with the
ability to detect ID theft and impersonation, false and synthetic identities,
data or documentation manipulation, organised fraud rings and syndicates
*CTOS LitE Report*
CTOS Report excluding banking payment history, dishonoured cheques,
CCRIS supplementary information, litigation, bankruptcy and eTR
information
*CTOS Mobile Application*
A mobile channel for consumers to purchase and access MyCTOS Score
Reports, and for subscribers to access CTOS SecureID
*CTOS Portfolio Analytics and Insights*
CTOS Data Systems’ customised analytics and insights to customers
based on a combination of a customer’s portfolio data and CTOS Data
Systems’ own comprehensive databases
*CTOS Report*
A report containing basic identification, financial, litigation and trade
reference information about a business or individual but does not include
CTOS Scores
*CTOS Score*
CTOS Scores are three-digit numbers that represent CTOS Data Systems’
assessment of the credit health of a consumer or business. Comprises the
CTOS Consumer Score and CTOS SME Score
*CTOS Score Report*
Comprises the CTOS Report and a CTOS Consumer Score that is usually
purchased via CTOS Credit Manager
*CTOS SecureID*
CTOS Data Systems’ subscription-based service for fraud protection and
credit monitoring which give subscribers alerts on any missed payments,
changes in credit history, litigation status, bankruptcy and eTR records
*CTOS SME Report*
Comprises the CTOS Report and CTOS SME Score
*CTOS SME Score*
A credit rating standard applicable to SMEs i.e. a three-digit number
ranging from 100 (poor) to 400 (excellent) that features in CTOS SME
Reports
*CTOS Tenant Screening Report*
Comprises identification verification, Know-Your-Customer screening,
financial checks, income estimation and historical legal cases or
bankruptcies, which allows landlords or agents to screen prospective
tenants
*Customised Bulk Data Sales*
This refers to the sale of bulk data sets to a customer. The customer is able
to specify the particular subset of information from Basis’ database that it
wishes to purchase in bulk, including information from Business Listings
*Dark Web*
Intentionally hidden internet content that is not indexed by conventional
search engines and requires specific web browsers in order to be
accessed. Some dark web listings contain illicit information, including
stolen credit card details or other sensitive personal data
*DCHEQS*
Dishonoured Cheque Information System, a computerised database
system developed and maintained by BNM to collect, process, store and
generate information related to dishonoured cheques
*Direct-to-Consumer*
A customer type comprising all of our retail consumers
*DWDM*
Dense wavelength division multiplexing fibres, a fibre-optic transmission
technique. It involves the process of multiplexing many different
wavelength signals onto a single fiber. Each fiber has a set of parallel
optical channels and each one uses slightly different light wavelengths. The
fibres employ light wavelengths to transmit data parallel-by-bit or serial-bycharacter. DWDM is a very crucial component of optical networks that will
allow the transmission of data: voice, video-IP, asynchronous transfer
mode (ATM), and synchronous optical networking (SONET)/ synchronous
digital hierarchy (SDH) respectively, over the optical layer
*E-Court Search Report*
Contains information on legal proceedings in Malaysia from public court
listings and legal notices
*eTR*
CTOS Electronic Trade Reference, non-bank trade references voluntarily
submitted by CTOS Data Systems’ subscribers
*eTR Plus*
CTOS Electronic Trade Reference Plus, non-bank trade references of
positive information about a customer’s payment history voluntarily
submitted by CTOS Data Systems’ subscribers
*External Reports*
Comprises the ROC Report, ROB Report, LLP Report, Idaman Report, MDI
Report, E-Court Search Report and Land Title Report
*Idaman Report*
A detailed company information and financial report from CCM, including
corporate documents, annual return and company charges
*International B2B*
A customer type comprising CIBI’s international business-to-business
services customers
*International Reports*
Comprises the Basis Overseas Report and Singapore Comprehensive
Report
*Key Accounts*
A customer type comprising all of our highest revenue-generating
customers as well as other selected customers, such as those with
complex requirements
*KYC*
Know-Your-Customer
*Land Title Report*
Contains official property ownership information from land offices in
Malaysia
*LLP Report*
Limited liability partnership report
*MDI Report*
Contains bankruptcy and insolvency information of individuals and
businesses
*MyCTOS Basic Repor*
A free consumer credit report available with basic consumer identification,
as well as directorship and business interest information, excluding the
CTOS Consumer Score
*MyCTOS Score Repor*
Comprises the CTOS Report and CTOS Consumer Score that is usually
purchased via CTOS Data Systems’ website
*OCR*
Optical character recognition or optical character reader is the electronic or
mechanical conversion of images of typed, handwritten or printed text into
machine-encoded text, whether from a scanned document, a photo of a
document, a scene-photo (for example the text on signs and billboards in
a landscape photo) or from subtitle text superimposed on an image
*P2P*
Peer-to-peer
*ROB Report*
Registered business report
*ROC Report*
Registered company report
*Singapore Comprehensive Report*
Contains ACRA registry related information, company financials,
comparative ratios and industry outlook on Singaporean companies
*SaaS*
Software-as-a-service is a software distribution model in which a third-party
provider hosts applications and makes them available to customers over
the Internet
*Trade Reference*
Non-banking information related to trades used as a means to verify the
creditworthiness of a customer to a third party considering the extension of
credit