CTOS is one of the leading credit scoring agencies in Malaysia with a plethora of data. So we speak to the Group CEO, Dennis Martin about the security measures they have in place to prevent hacking or data breaches. We also ask about whether such a service really does improve the financial literacy and health of Malaysian which is sorely needed when the household debt of the country remains stubbornly high above 80%.

CTOS is one of the leading credit scoring agencies in Malaysia with a plethora of data. So we speak to the Group CEO, Dennis Martin about the security measures they have in place to prevent hacking or data breaches. We also ask about whether such a service really does improve the financial literacy and health of Malaysian which is sorely needed when the household debt of the country remains stubbornly high above 80%.

Sharper and stronger than a double espresso. The Morning Run stretches your mind and braces you for the business day. It's your fast track into work where you can hit the ground running. From 6am to 10am weekdays, the Morning Run brings you the biggest stories and must-listen-to interviews. Stay enlightened, make educated business and investment decisions.

The Breakfast Grille

Featuring the cream-of-the-crop as well as the controversial, the Breakfast Grille is the flagship show of BFM. Expect no-holds-barred interviews to get to the truth and into the minds of business leaders, policymakers and changemakers.

Helping Malaysians Get Better Scores

Pos Malaysia hasn't turned a profit since 2018 — 32 straight quarters in the red and close to a billion ringgit in accumulated losses. But the first half of 2026 hinted at a shift: losses narrowed to RM63 million, revenue grew 8%, and cash flow turned positive for the first time in years. Group CEO Charles Brewer joins us to explain the pivot from mail to parcels, the push into pawnbroking and digital gold, and whether the national postal operator is genuinely turning the corner — or just had a good six months.

Pos Malaysia hasn't turned a profit since 2018 — 32 straight quarters in the red and close to a billion ringgit in accumulated losses. But the first half of 2026 hinted at a shift: losses narrowed to RM63 million, revenue grew 8%, and cash flow turned positive for the first time in years. Group CEO Charles Brewer joins us to explain the pivot from mail to parcels, the push into pawnbroking and digital gold, and whether the national postal operator is genuinely turning the corner — or just had a good six months.

Pos Malaysia: A Turnaround, Or A Good Six Months?

Malaysia's development financial institutions are carrying RM193.9 billion in financing across 1.8 million accounts — and until now, nobody has formally measured whether that money actually did anything. Bank Negara's new framework changes that, testing DFIs on whether their financing would have happened anyway without them. We put the hard numbers to the man who chairs them: impaired loans running double digits at some members, the payroll-deduction personal loan books, and the RM203.8 million fraud at Agrobank that still hasn't been explained to the public. We speak to YBhg Dato' Muzaffar Hisham, Chairman of ADFIM and Group CEO of Bank Pembangunan Malaysia.

Malaysia's development financial institutions are carrying RM193.9 billion in financing across 1.8 million accounts — and until now, nobody has formally measured whether that money actually did anything. Bank Negara's new framework changes that, testing DFIs on whether their financing would have happened anyway without them. We put the hard numbers to the man who chairs them: impaired loans running double digits at some members, the payroll-deduction personal loan books, and the RM203.8 million fraud at Agrobank that still hasn't been explained to the public. We speak to YBhg Dato' Muzaffar Hisham, Chairman of ADFIM and Group CEO of Bank Pembangunan Malaysia.

Is ADFIM Doing Development, Or Just Lending?

As Malaysia rapidly approaches aged-nation status, managing long-term care, rising healthcare costs, and a shrinking workforce are becoming critical economic and social priorities. Hiroyuki Murata, Professor at Tohoku University's Smart Aging Research Center, joins BFM's Breakfast Grille to discuss how societies can shift from treating demographic aging as a fiscal crisis to leveraging it as a growth driver.

He explores key insights on navigating the silver economy, including:

How government framework policy catalysed a competitive, private-sector long-term care industry in Japan

What businesses consistently misunderstand about modern active seniors and their evolving lifestyle demands

Why defining "elderly" requires a fundamental mindset shift away from traditional retirement toward continuous societal engagement

What immediate policy and health priorities Malaysia must establish to prepare for rapid demographic aging

Prof. Hiroyuki will be speaking at the upcoming International Social Wellbeing Conference (ISWC), organized by the Employees Provident Fund (EPF). Happening on 29–30 September, ISWC 2026 brings together global thought leaders to explore the future of societal wellbeing, sustainability, and inclusive growth.

Image Credit: Pexels

As Malaysia rapidly approaches aged-nation status, managing long-term care, rising healthcare costs, and a shrinking workforce are becoming critical economic and social priorities. Hiroyuki Murata, Professor at Tohoku University's Smart Aging Research Center, joins BFM's Breakfast Grille to discuss how societies can shift from treating demographic aging as a fiscal crisis to leveraging it as a growth driver.He explores key insights on navigating the silver economy, including:How government framework policy catalysed a competitive, private-sector long-term care industry in JapanWhat businesses consistently misunderstand about modern active seniors and their evolving lifestyle demandsWhy defining "elderly" requires a fundamental mindset shift away from traditional retirement toward continuous societal engagementWhat immediate policy and health priorities Malaysia must establish to prepare for rapid demographic agingProf. Hiroyuki will be speaking at the upcoming International Social Wellbeing Conference (ISWC), organized by the Employees Provident Fund (EPF). Happening on 29–30 September, ISWC 2026 brings together global thought leaders to explore the future of societal wellbeing, sustainability, and inclusive growth. Image Credit: Pexels

Helping Malaysians Get Better Scores

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