CTOS

CTOS Malaysia's leading credit reporting agency since 1990. Credit Reporting Agency

28/08/2026

Ethan and Christopher discussed on how can businesses manage usage and cost when AI is becoming more widely adopted

AI usage is measured by tokens, so knowing which tools to use, how much to use them and when a lower-cost model can do the job can help businesses stay in control.​

And as AI adoption and infrastructure continue to grow, costs may become more accessible giving businesses more room to use AI without seeing it as a burden.​

The goal isn’t to avoid AI. It’s to use it wisely and free up more time for innovation.​

📍 Next Pit Stop: Johor Bahru!​
📅 8 September 2026 (Tuesday)​
📍 Austin International Convention Centre​
⏰ 9AM – 6PM​

🎟️ Seats are limited. Secure your ticket today:​
ticketmelon.com/ctos/smebizday2026jhb

28/08/2026

Should businesses wait for AI to mature before adopting it? ​

Ethan and Christopher AI will keep evolving, but mastering it isn’t about waiting for the “best” tool. It’s about building the muscle now, learning what’s available and adapting as new features and techniques emerge.​

Don’t wait for AI to be perfect. Start learning while it evolves.​

📍 Next Pit Stop: Johor Bahru!​
📅 8 September 2026 (Tuesday)​
📍 Austin International Convention Centre​
⏰ 9AM – 6PM​

🎟️ Seats are limited. Secure your ticket today:​
ticketmelon.com/ctos/smebizday2026jhb​

The right support can take your business further. Are you making the most of the opportunities available?​Today's busine...
28/08/2026

The right support can take your business further. Are you making the most of the opportunities available?​

Today's business landscape is evolving rapidly, shaped by digital transformation, AI, talent challenges and changing market conditions. For MSMEs, sustainable growth depends on knowing where to find the right support and how to leverage it effectively.​

Join us at CTOS SME Biz Day 2026 in Johor Bahru for ‘Enabling SMEs: Policies, Support & Opportunities’, moderated by SME Association of South Johor, where leaders from SJPP, SME Corp. Malaysia, MATRADE Johor and MDEC will share practical insights on navigating the SME support ecosystem and turning available support into real business opportunities.​

Here's what you'll learn:​
✅ Find the right government support​
✅ Prepare for digital transformation and AI​
✅ Unlock export and growth opportunities​
✅ Maximise government programmes​
✅ Prioritise your next business move​

📅 8 September 2026 (Tuesday)​
📍 Austin International Convention Centre, Johor Bahru​
🕘 9:00 AM – 6:00 PM​

🎟️ Seats are limited. Secure your ticket today:​
https://www.ticketmelon.com/ctos/smebizday2026jhb ​

27/08/2026

What if you could step into a space where you get first-hand insights, real experiences and practical advice to help move your business forward?​

At CTOS SME Biz Day 2026, you’ll hear directly from business leaders who’ve experienced the highs, the lows, the wins and the failures and learn what it really takes to navigate the business journey.​

From growing your business and embracing digital opportunities, to exchanging ideas with fellow SME owners, this is more than just a talk. It’s a two-way platform built for businesses to connect, learn and grow.​

So, if you’re an SME business owner or aspiring entrepreneur in Johor, this is one conversation you’ll want to be part of.​

📍 Next Pit Stop: Johor Bahru!​
📅 8 September 2026 (Tuesday)​
📍 Austin International Convention Centre​
⏰ 9AM – 6PM​

🎟️ Seats are limited. Secure your ticket today:​
ticketmelon.com/ctos/smebizday2026jhb

As Malaysian SMEs face rising costs, changing customer expectations and growing competition, building a resilient busine...
27/08/2026

As Malaysian SMEs face rising costs, changing customer expectations and growing competition, building a resilient business has never been more important.​

At CTOS SME Biz Day 2026 in Johor Bahru, discover what it really takes to turn an idea into a growing business and build a brand that customers recognise and trust.​

From bringing local flavours to life through Nana’s Pani Puri, to growing Oriental Kopi into a recognised F&B brand and building TOMAZ into an established footwear business, their journeys show that success isn't built overnight.​

Here’s what you’ll learn:​
💡 How to turn an idea into a sustainable business​
💡 How to build a brand customers recognise and trust​
💡 How to adapt and overcome challenges along the way​
💡 What it takes to scale and keep growing​

📅 8 September 2026 (Tuesday)​
📍 Austin International Convention Centre, Johor Bahru​
🕘 9:00 AM – 6:00 PM​

🎟️ Seats are limited. Secure your ticket today:​
https://www.ticketmelon.com/ctos/smebizday2026jhb ​

Before you buy, take a moment to pause, wait and check your budget. A little patience today can help you make smarter mo...
27/08/2026

Before you buy, take a moment to pause, wait and check your budget. A little patience today can help you make smarter money decisions tomorrow.

The NEW CTOS App is here! Download it today on the Apple App Store, Google Play or Huawei AppGallery and enjoy a faster, smarter way to stay on top of your credit journey.

27/08/2026

A great product is only part of the equation. So, what makes people choose it? ​

For KJ, it’s not just about having a high-quality product or service. You need a story behind it.​

In this snippet, KJ shares his advice for aspiring business owners, from finding your brand’s purpose to weaving that story into what you offer.​

Because sometimes, people don’t just buy the product. They buy the story behind it.​

What’s the story behind your business?​

📍 Next Pit Stop: Johor Bahru!​
📅 8 September 2026 (Tuesday)​
📍 Austin International Convention Centre​
⏰ 9AM – 6PM​

🎟️ Seats are limited. Secure your ticket today:​
ticketmelon.com/ctos/smebizday2026jhb

2 WEEKS TO GO! Johor SMEs, are you ready?Whether you’re looking to grow your business, secure funding, find new opportun...
26/08/2026

2 WEEKS TO GO! Johor SMEs, are you ready?

Whether you’re looking to grow your business, secure funding, find new opportunities or make the right connections, CTOS SME Biz Day 2026 Johor Bahru brings it all together in one place.

Spend the day connecting with fellow business owners, industry leaders and solution providers while gaining practical insights you can bring back to your business.

💰 Explore funding opportunities for your next move
💡 Pick up practical ideas to tackle business challenges
🤝 Build valuable connections and expand your network
📈 Discover solutions that can support your business growth

Your next business opportunity could start with the right connection. See you in 2 weeks!

Event Details:
📅 8 September 2026 (Tuesday)
📍 Austin International Convention Centre, Johor Bahru
🕘 9:00 AM – 6:00 PM

🎟️ Seats are limited. Secure your ticket today:
https://www.ticketmelon.com/ctos/smebizday2026jhb

26/08/2026

Is AI making it cheaper and more scalable to start a business? ​

According to Tim Tiah of Colony Coworking & Event Space , AI is changing the economics of service-based businesses by reducing the need to scale purely through hiring more people.​

From advertising and marketing to other service businesses, AI could turn traditionally people-heavy businesses into much more scalable and higher-margin ones.​

So, what does this mean for the next generation of businesses?​

📍 Next Pit Stop: Johor Bahru!​
📅 8 September 2026 (Tuesday)​
📍 Austin International Convention Centre​
⏰ 9AM – 6PM​

🎟️ Seats are limited. Secure your ticket today:​
ticketmelon.com/ctos/smebizday2026jhb

Johor SMEs: Is Failure Really a Failure? 🚀In business, things don’t always go as planned. The real challenge is knowing ...
26/08/2026

Johor SMEs: Is Failure Really a Failure? 🚀

In business, things don’t always go as planned. The real challenge is knowing when to hold on, when to pivot, and how to come back stronger.

Join Khairy Jamaluddin, Aireen Omar and Rejina, Director of High Basics Sdn Bhd, at CTOS SME Biz Day 2026 Johor Bahru for “Is Failure Really A Failure? When Brand Equity Meets Hard Pivots & the Courage to Build.”

Gain practical insights on navigating setbacks, making tough decisions and building a brand that can adapt and grow.

Key takeaways:
💡 Know when and how to pivot
💡 Protect your brand through change
💡 Turn setbacks into new opportunities
💡 Build the courage to keep moving forward

Whether you're an entrepreneur, SME owner or business leader, discover how to turn challenges into opportunities and build a stronger business for what comes next.

📅 8 September 2026 (Tuesday)
📍 Austin International Convention Centre, Johor Bahru
🕘 9:00 AM – 6:00 PM

🎟️ Seats are limited. Secure your ticket today:
https://www.ticketmelon.com/ctos/smebizday2026jhb

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