PETALING JAYA: CTOS Digital Bhd
remains cautiously optimistic on its 2026 growth prospects despite ongoing macroeconomic and geopolitical uncertainties.
The group said its expansion will be anchored on continued investments in digital products, artificial intelligence (AI) and alternative data, which are increasingly critical for credit assessment and risk management across the Asean Region.
Within its financial institutions and corporates segment, it said growth is expected to be driven by deeper partnerships and wider adoption of AI-powered solutions and alternative data tools.
For its commercial segment, CTOS said it will prioritise customer acquisition, activation and retention, while enhancing its platforms to support more robust credit decision-making.
Meanwhile, its consumer segment is set to sustain healthy growth, supported by new product launches, embedded partnerships and a revamped mobile application scheduled for launch in the first half of 2026.
The international segment is also expected to contribute positively, with CTOS aiming to strengthen its position as a leading provider of alternative data-driven credit solutions in the region. This includes leveraging expanded datasets and proprietary scoring capabilities to enhance its offerings across Asean markets.
To support its growth ambitions, CTOS is actively evaluating strategic partnerships and selective acquisitions within Malaysia and the region, while also deepening collaboration with associate companies to improve operational efficiency.
CTOS is also accelerating investments in technology infrastructure, security and governance frameworks, alongside enhancements to its core data platforms and analytics capabilities. These initiatives are aimed at driving sustainable revenue growth and margin expansion through automation and cost optimisation.
In its first quarter report ended Mar 31, CTOS' net profits rose 28.19% year-on-year (y-o-y) to RM18.51mil as revenues rose 7.25% y-o-y to RM81.59mil.
"Revenue growth is due to sustained growth of both Malaysia and international operations. Segment profit from the Malaysia operations increased by 0.7% to RM18mil compared to RM17.8mil in the corresponding period, mainly due to higher sales, offset by higher operational expenditures," it said in a filing with Bursa Malaysia.
The company declared a first interim single-tier dividend of 0.57 sen per share that will be paid on Jul 23 and would qualify for investors' shares transferred into their accounts before 4.30PM on Jun 25, it said.
