CTOS Digital vs Penny Pause

The All-New CTOS App is Here! Experience a brand-new way to take charge of your financial future. We’ve completely redesigned the CTOS Mobile App with a modern interface, simplified navigation, and introduced new features to help you manage your credit, protect your identity, and stay ahead of financial risks. Join over 1 million CTOS ID users and take charge of your financial future with our flagship credit reports and scam protection feature! Enhanced Features & Experience MyCTOS Score Report Empowers you to make smarter financial decisions with full transparency. • View your CTOS Score and full credit report anytime • Have a consolidated view of all your credit facilities • Check for litigation, bankruptcy, and trade reference listings • Find out what factors are affecting your credit score =================== [NEW LOOK] Digital Report Viewer Enjoy a smoother, clearer way to understand your credit profile. • Interactive, mobile-friendly credit report format • Swipe through CCRIS, Legal, e-Trade, and Business sections • Contact trade referees directly from the app =================== CTOS SecureID Protection Safeguards you from scams, identity theft, and financial fraud. • Dark Web Monitoring – Scans 14+ billion records for breaches • Real-Time Alerts – Get notified of suspicious activity pertaining to your banking facilities • Takaful Coverage – Up to RM20,000 protection against fraud incidents =================== [NEW] Business Credit Reports Perfect for SMEs, entrepreneurs, and investors to assess business risks. • Search companies by name or SSM number • Purchase CTOS Lite or CTOS Basis reports • View business creditworthiness, legal records, and financial health CTOS is Malaysia’s leading credit reporting agency, helping individuals and businesses make informed financial decisions. The new app experience brings improved experience aimed at helping you achieve your financial goals. Download now and take charge of your financial future! Learn more: https://www.ctoscredit.com.my Like us: https://www.facebook.com/ctosdatasystems

Stop impulse buying. Start saving. PennyPause is an ADHD-friendly budget and impulse control app designed for people who struggle with impulsive spending. Before every purchase, run it through a quick 6-question gut-check quiz — and find out if you really need it. IMPULSE CHECKER Think before you buy. Answer 6 simple questions and get an instant verdict: go ahead, think twice, or stop — it's an impulse. Items you resist get logged as money saved. Items you're unsure about go straight to your "Maybe Later" wishlist. BUDGET PLANNER Track multiple months of income and expenses. Organise spending into categories (Fixed Bills, Living, Debt, and your own custom categories). Mark expenses as paid with a tap. See your balance and what's available to save — all at a glance. SAVINGS TRACKER Set monthly savings targets and watch your progress grow. A built-in level system (from Seedling to Diamond Saver) keeps you motivated. Hit a milestone and celebrate with confetti. DEBT COUNTDOWN Add your installments and debts, then tap "Paid This Month" to count down. See your payment history, track months remaining, and celebrate when a debt hits zero. WISHLIST (MAYBE LATER) Park the things you want but don't need right now. After 30 days, revisit with a clearer head. See how much you've NOT spent — that number grows fast. MY RULES Set personal spending rules and toggle them on or off. Pre-loaded with 12 ADHD-friendly rules like "Delete shopping apps on weekdays" and "NO new BNPL. ZERO." DESIGNED FOR ADHD Large buttons, minimal clutter, dark theme, swipe gestures, and instant feedback. No sign-up required. No subscriptions. No ads. YOUR DATA, YOUR DEVICE All data is stored locally on your device. Nothing is sent to any server. Export your data as a backup anytime from Settings. 17 currencies supported including MYR, USD, EUR, GBP, SGD, and more.