Key things you need to know on confidence, media consumption, key behavioural, tech & esports trends in Malaysia. www.oppotus.com

1. 1
MALAYSIANS ON MALAYSIA
2Q 2 0 1 9
ESSEN TIAL IN SIGH TS IN TO C ON FID EN C E, MED IA TR U ST,
BEH AVIOU R AL, TEC H & ESPORT TR EN D S IN MALAYSIA

2. 2
WELCOME TO
MALAYSIANS
ON MALAYSIA
OVERALL GROWTH IN
CONSUMER CONFIDENCE
Coming into the second quarter of
2019, our Malaysians on Malaysia
study is set to understand the trend
and sentiments that has happened
during the first half of 2019. Since its
inception in 2Q2018, this study has
steadily reported on insights and
sentiments amongst Malaysians.
Since it was launched in 2Q2018, we
are currently seeing the highest index
so far that indicates optimism levels
with sentiments across all indicators
being very positive.
MALAYSIANS OPTIMISTIC
FOR THE FUTURE
Despite the ongoing trade war and
economic uncertainties, Malaysians’
outlook of current and future state of
our economy have improved
tremendously. People are also more
relaxed in spending on major
purchases despite remaining stagnant
previously.
In this round, we continue to cover
interesting topics like tech trends, e-
wallet usage, esports and other
interesting stats.
If you like to dig deeper into the
numbers, please do reach out to us on
theteam@oppotus.com
FINANCIAL WELL-BEING
DRIVEN
Perceptions for where Malaysians’
financial well-being stand is in a good
place currently and saw greatest
increase.

3. 4
o The overall index is at its highest growth since post
GE14. This wave, people are feeling optimistic
specifically within all areas that we studied and
have maintained above 100-point mark since mid-
2018.
o With the Malaysian economy expanding by 4.5% in
1Q2019, this signals an assurance amongst
Malaysians that shape up their confidence levels
throughout all areas that is manifested in this
quarter.
o At the same time other happenings, increase of
total stock of foreign direct investment (FDI) by
10.3%, and as reported by Bank Negara Malaysia,
the Malaysia economy also rose by 4.9%
o Therefore, if economy and market growth
continuously show signs of improvement despite
the trade war volatility, it will inadvertently improve
overall confidence levels. We look forward to see
the trend continue in the next two quarters for the
rest of 2019.
100
MALAYSIA CONFIDENCE INDEX (MYCI)
118
109 111 110
125
Q2'18 Q3'18 Q4'18 Q1'19 Q2'19 Q3'19
?
Source: Oppotus 2Q2019

4. 5
MALAYSIA CONFIDENCE INDEX (MYCI) COMPONENTS
o These are the areas that were studied which
makes up the overall index. As seen here,
the result is supported by a lift across all
indicators.
o Evidently, the current and next 12 months
state of economy have both rebounded after
previous waves showing a dip in scores.
o The result is a tell-tale that perhaps
Malaysians are more resilient and have
adapted to the change in external factors
such as trade war, Ringgit volatility and
overall impeding global market growth.
o At the same time, the index on major
purchase is showing a healthy uptrend
which indicates that people have eased on
spending, yet it is still below the 100-pts
mark. Will the number finally inch past the
100-pt threshold in the next quarter? Stay
with us till the next report.
126
142
67
93
161
106
140
78
95
125
114
129
90
105
115
133 136
90 91
98
152 149
99
109
119
0
50
100
150
200
Current state of financial
well-being
Well-being next 12mths Good time for major
purchases
State of economy now vs.
last year
State of economy next
12mths
Source: Oppotus 2Q2019
Q3’18 Q4’18 Q1’19Q2’18 Q2’19

5. 6
128
106
113
133
152
CURRENT FINANCIAL WELL-BEING
100
o Jumping a strong 20-pts this wave, we
saw that people’s optimism continue to
increase steadily over time since
3Q2018. This could mean that people
are increasingly making better financial
choices coupled with government’s
effort to create a financially prudent and
savvy society.
Current financial well-being
o In 1Q2019, people from JB and
Kuantan were the driving forces for
positivity, however this time around,
Klang Valley (together with Penang) is
showing better signs of optimistic
improvement.
o The steady growth is well reflected
amongst all income bracket especially
within the middle-income group.
RM4,501 –
RM6,000
RM6,001 –
RM8,000
> RM8,000
105
100
106
108
125
130
108
103
123
104
112
124
139
159
165
136
128
140 137
167
143
135
160
0
50
100
150
200
Q2'18 Q3'18 Q4'18 Q1'19 Q2'19
Klang Valley Penang JB Kuantan
Q3’18 Q4’18 Q1’19Q2’18 Q2’19

6. 7
OUTLOOK ON FINANCIAL WELL-BEING NEXT 12 MONTHS
146 140
129
136
149
100
o The optimism level in the next 12
months have moved up by 13-pts
therefore making it the highest index
points in this category since GE14.With
the launch of National Strategy for
Financial Literacy – a five-year plan that
aims to raise the country’s low levels on
financial literacy, future personal
financial well-being is in a good place.
Financial well-being next 12-months
o Previously we saw JB captured the most
optimism due to the Johor Real Estate and
Housing Developers Association (REHDA)
programme but this wave, Kuantan took the
lead as the government has approved an
additional allocation of RM4.4mil to build
basic infrastructure in Pahang and as well
as assisting in the building of affordable
houses
o Whilst all of the income brackets are
showing improvement, those middle
income recorded highest increases in
scores, followed by below lower income
bracket. This could be due to
government’s efforts in extending loan
repayment period, financing rate up to
3.5% per annum.
RM4,501 –
RM6,000
RM6,001 –
RM8,000
> RM8,000
121
129
153
134
149
149
128
119
146
135
130
142
147
149
151
146 142 143 140 142
164
133
172
0
50
100
150
200
Q2'18 Q3'18 Q4'18 Q1'19 Q2'19
Klang Valley Penang JB Kuantan
Q3’18 Q4’18 Q1’19Q2’18 Q2’19

7. 8
108
101
98
102
113
91
97
72
92
51
SPEND ON MAJOR PURCHASES
67
78
90 90
99
100
o After having two waves of indices
holding flat, this wave’s index have
gone up by 9-pts which indicates that
people have eased on purse-string
tightening and are more open to spend
on major purchases.
Spend on major purchases
o The middle income and more affluent
group are still optimistic partially because
of the down payment support, exemption
from stamp duty fees and free financial
education by Agensi Kaunseling &
Pengurusan Kredit (AKPK) to help
homebuyers understand the financial
implications involved in buying a home.
RM4,501 –
RM6,000
RM6,001 –
RM8,000
> RM8,000
74
76
75
56
64
97
85
86
106
88
105
121
75
104
109
PMEB
NON
PMEB
o The PMEB group show rebounded score
exceeding the 100-pts mark this wave,
therefore, both groups are seen to be
more willing to spend now.
100
Q3’18 Q4’18 Q1’19Q2’18 Q2’19

8. 9
CURRENT STATE OF ECONOMY
93 95
105
91
109
100
o Malaysians’ overall sentiment in this
category is at its highest as the
government is very vocal on the
prospects of a sustainable GDP growth
in 2Q2019 as well as continuing to
prioritise economic growth.
Current state of economy
o As the economic growth for the 2Q2019 is
set to be healthy and driven by the on-
going mega projects, people from Klang
Valley specifically are more enthusiastic
with their sentiment perhaps attributed by
the revival of ECRL, as well as the Klang
Valley MRT 2 and LRT 3 project that
would affect the long-term growth.
o Both groups are seen to improve their
optimism towards the current state of
economy, as Malaysia has outperformed
most of the ASEAN countries which
recorded a slowdown in 2Q2019 despite
the intensifying China-US dispute.
107
109
95
71
130
92
104
93
108
84
PMEB
NON
PMEB
100
85
106
93 95
129
94
106
85
0
50
100
150
200
Q2'18 Q3'18 Q4'18 Q1'19 Q2'19
Klang Valley Penang JB Kuantan
Q3’18 Q4’18 Q1’19Q2’18 Q2’19

9. 1 0
STATE OF ECONOMY NEXT 12 MONTHS
161
125
115
98
119
100
o Sentiments of where the Malaysian
economy is going have recovered
above the 100-pt mark this wave, which
jives with what they currently think of
the economy. The Malaysian market
continue to show resilience despite
weak broader market environment.
Current state of economy
o Both PMEBs and Non-PMEBs are
equally optimistic that while periods of
on-going volatility the government’s
priority in economic growth and
consideration to expand budget to ensure
the people’s economic well-being are
received well amongst Malaysians.
RM4,501 –
RM6,000
RM6,001 –
RM8,000
> RM8,000
138
101
109
150
175
169
113
102
122
90
102
114
104
102
118
o Thus effecting improvements seen
especially with the lower income groups.
126
116
97
88
136
104
143
119
170
158
PMEB
NON
PMEB
100
Q3’18 Q4’18 Q1’19Q2’18 Q2’19

10. 1 1
NOTABLE ACTIVITIES PAST 3 MONTHS
Online activities, %
NA NA
21
39 36
14
29
16 14 10
Making online purchases
from e-commerce sites
(e.g. Lazada, Shopee)
Purchased
insurance products
online (e.g. car, fire,
etc.)
11
22 14 9 8
Apply for banking
products online (e.g.
credit card, loans,
etc.)
Travel, %
29
40
26
48 47
15 18 11 15 18
Domestic travel
(within Malaysia)
International travel
(outside Malaysia)
Eating OOH, %
46 57
32 26
61 40
61
30
56
22
Purchase meal
takeaway from
convenience
stores/petrol marts
Having a meal at
convenience
stores/petrol
marts
12
21 20 17 13
Used wearables
(e.g smart watch,
smart shoes,
health, etc.)
Wearables, %
NA
12
22 15
22
Making payments
through e-wallet
(digital wallet)
E-wallet, %
Source: Oppotus 2Q2019
Q3’18 Q4’18 Q1’19Q2’18 Q2’19

11. 1 3
ENTRY OF EACH E-WALLET IN MALAYSIA
JAN SEPT APR
2018
NOV DEC JAN MAR APR JULY AUGMAY
2017 2018
NOVAPR MAR FEB JAN DEC
OCT
2019
AUG JULY JUNE MAY
?

12. 1 4
E-WALLET USAGE
12%
22%
15%
22%
3Q18 4Q18 1Q19 2Q19
74
55
42
35
25
20
18
15
14
6
5
4
3
1
56
29
30
27
16
22
17
26
17
1
1
3
5
1
%
Used e-wallet in
last 3 months?
Source: Oppotus 2Q2019
How many e-wallets
does each person use?
1.9
2.6
4Q18 AVE
1Q19 AVE
e e e
e e e
Q1’19 Q2’19
3.32Q19 AVE e e e e

13. 1 5
34
29
57
48
71
34
39
42
66
66
F&B
Bill Payment
Groceries
Tickets
TOP USE CASES FOR E-WALLETS CURRENTLY
%
Source: Oppotus 2Q2019
Q1’19 Q2’19
Reload

14. 1 8
5
51 53
59
39
44
2Q18 3Q18 4Q18 1Q19 2Q19
5
56 54 57
39
53
2Q18 3Q18 4Q18 1Q19 2Q19
13
61
68
60
73
3Q18 4Q18 1Q19 2Q19
6
41 40
56
27
42
2Q18 3Q18 4Q18 1Q19 2Q19
7
50 51 47
27
44
2Q18 3Q18 4Q18 1Q19 2Q19
TECH TRENDS
12
75
64
51
56 57
0
25
50
75
100
2Q18 3Q18 4Q18 1Q19 2Q19
Cryptocurrency
(e.g. Bitcoin, Ethereum, etc.)
FinTech EsportsBlockchain
%
8
60
66 63 61 61
0
25
50
75
100
2Q18 3Q18 4Q18 1Q19 2Q19
Virtual Reality (VR) Artificial Intelligence (AI) Augmented Reality (AR)
%
Source: Oppotus 2Q2019

15. 1 9
CRYPTOCURRENCY OWNERSHIP
35
28
22
30
3Q18 4Q18 1Q19 2Q19
Own any
cryptocurrency?
21
12
5
4
3
2
2
0
11
9
2
2
2
3
2
1
Bitcoin
Litecoin
Ethereum
Bitcoin
cash
Ripple
Dash
NEO
NEM
%
+36%
Those aware of cryptocurrency
Source: Oppotus 2Q2019
Q1’19 Q2’19
%

16. 2 1
OPPOTUS RESEARCH GROUP SDN BHD
Level 27 Penthouse, Centrepoint North
Mid Valley City, 59200 Kuala Lumpur, Malaysia
www.oppotus.com
theteam@oppotus.com