► How it works:
Step 1: A series of dynamic questions are presented, which will be generated based on the applicant’s actual credit file information and active CCRIS facilities.
Step 2: Responses from the applicant are checked against known answers to confirm the identity of the person.
Examples of questions that may be asked are “Do you have a car loan with ABC bank?” or “Do you have a PTPTN study loan?”
► CTOS Digital Identity Verification Solutions
Document & ID Holder Verification
A government-issued identification document is scanned and verified, then a facial image is extracted from the document and matched against a new, real-life captured image of the applicant.
Information extracted from an official identification document is checked against existing CTOS data for mismatches
Applicants are given a series of dynamic questions, based on actual credit file information and active CCRIS facilities