Reinforce Good Payment

Reinforce good payment behaviour with CTOS Credit Manager

Is there a way to improve prompt payment behaviour in your customers? That’s what CTOS Credit Manager does best. It’s a credit management solution that’s trusted by leading banks and businesses in Malaysia.


  • Search, store, monitor and manage all customer information via one dynamic platform
  • Use the Electronic Trade Reference (eTR) function to reinforce good payment behaviour
  • Link to other business communities and share your experience to effectively to encourage prompt payment