KUALA LUMPUR, 8th September 2025 – BigPay, a leading fintech in Southeast Asia and CTOS Data Systems Sdn Bhd, Malaysia’s leading credit reporting agency have announced a strategic collaboration to bring credit education and financial empowerment directly to users’ fingertips.
Your Credit Score at Your Fingertips
This partnership gives BigPay users direct access to their CTOS Score within the BigPay app, empowering them to track, understand, and improve their credit profile conveniently from their mobile devices.
As BigPay is a preferred method for payments within Asean’s leading digital booking platform AirAsia MOVE, the app is widely used for booking flights, hotels, and other travel services. This partnership comes at a time when Gen Z Malaysians are redefining travel. According to global data, leisure remains the leading inbound travel purpose to the Asean region. It accounts for 67.80% of all international arrivals in 2024, while business travel currently stands at 13.86%.
With a growing appetite for adventure and spontaneity, this generation is travelling more frequently, often prioritising experiences over material goods.
But while their wanderlust is strong, many face a common roadblock: understanding the factors that influence their eligibility and accessibility for financial products. This timely collaboration between CTOS and BigPay supports young Malaysians in taking the first step toward financial literacy.
“We’re excited to partner with BigPay to make financial education more inclusive for young Malaysians. By integrating the CTOS Score into a platform they already use daily, we’re helping them take control of their financial future, starting with understanding their credit health. With easy access to their CTOS Score, users can make informed financial decisions, and help them develop healthier credit habits that may improve their readiness when applying for financial products in the future, be it a dream trip or a first car,” said Kevin Loh, Interim Group CEO of CTOS Digital Berhad.
“BigPay has over 1.6 million carded users, with a large portion made up of young users. At BigPay, we believe financial empowerment starts with transparency and education. This collaboration with CTOS is a natural extension of our mission to help users make informed financial decisions, especially for the younger generation as they make the first step on their financial journeys,” said Aireen Omar, Group CEO of BigPay.
What Users Can Expect
✓ Instant access to CTOS Score via the BigPay app.
✓ Actionable financial health insights to help users understand their credit health.
✓ Educational tools to boost financial literacy.
Win a Flight Worth RM3,000
To celebrate the launch of this exciting collaboration, CTOS and BigPay are introducing a limited-time campaign for early users. From 2nd September 2025 to 2nd December 2025, users who purchase a CTOS Score Report via the BigPay app will be automatically entered into a lucky draw for a chance to win return flight tickets worth a total of RM3,000 to Perth, Australia, fully sponsored by CTOS. Whether it’s a tropical getaway or a city escape, two lucky winners will be able to turn their financial check-in into a travel opportunity.
Why This Matters
Based on a study of over 250,000 applications for financial products, CTOS data shows a strong link between higher credit scores and successful applications. Individuals with strong CTOS Scores are often better positioned to meet eligibility requirements and to access more favourable terms from licensed financial institutions. By enabling young Malaysians to monitor and manage their CTOS Score directly in the BigPay app, this partnership delivers real value at a time when financial decisions are more critical than ever.
Ready to take control of your financial future? Download the BigPay app today and check your CTOS Score today.
Google Play:https://bigpay.onelink.me/Jd8C/android
Apple Store:https://bigpay.onelink.me/Jd8C/ios
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