Key things you need to know on consumer confidence, media consumption, key behavioural, COVID-19 pandemic-related, tech, e-wallet & esports trends in Malaysia. www.oppotus.com

1. 1
MALAYSIANS
ON MALAYSIA
ESSENTIAL INSIGHTS INTO CONSUMER CONFIDENCE,
BEHAVIOURAL, TECH & E-WALLET TRENDS IN MALAYSIA
1 Q 2 0 2 2

2. 2
MYCI IMPROVED AS
BORDERS WILL BE OPEN
& BUSINESSES
OPERATING IN FULL
CAPACITY COME APRIL
WELCOME TO
MALAYSIANS
ON MALAYSIA
Our Malaysians on Malaysia study is
set to understand the trend and
sentiments that has happened thus
far. Since its inception in 2018, this
study has consistently reported on
insights and sentiments amongst
Malaysians.
With the Malaysian government
announcing the reopening of the
country’s borders and businesses will
be able to operate to full capacity
come April, our MYCI regain ground to
above the 100-point mark. (106 vs 93
points in 4Q’2021).
As always, we continue to also cover
interesting topics like tech trends, e-
wallet insights and other key stats.
If you like to dig deeper into the
numbers, please do reach out to us at
theteam@oppotus.com
AVERAGE NUMBER OF E-
WALLETS USED DECLINES
BUT IS STILL ONE OF THE
HIGHEST NUMBER SEEN
SINCE 2018
With many major promotional
activities ended in Q4’2021, average
number of e-wallets sees a decline in
1Q’2022 (4.6 vs 5.6 in 4Q’21);
however, this number remains high
since 2018.
MALAYSIANS ARE MORE
OPTIMISTIC WITH THEIR
FINANCIAL WELL-BEING
With things being back to normal in
Q1’2022, Malaysians are optimistic
with their financial well-being and state
now is also a good time to make major
purchases
MALAYSIANS REMAIN
SUBDUED TOWARDS
MALAYSIAN ECONOMY
Though our economy indices recorded
an uptick, Malaysians are still
skeptical about the country’s economy
– where both economy indices
clocking in below the 100pt mark.
OUTLOOK OF DOMESTIC
TRAVEL REMAIN POSITIVE
Though a decline on domestic travel
considering people are back to work
and schools, incidence of domestic
travel remains high compared to the
past 2 years.

3. 4
o With the government announcing the re-opening of
the country’s borders and businesses allowed to
operate in full capacity come April 2022, our
1Q’2022 MYCI see a rebound from 4Q’21.
o These positive sentiments have indeed uplifted
Malaysians confidence and vibes where our MYCI
regains its position above the 100-point mark. (106-
points vs 93 points in 4Q’2021).
100
MALAYSIA CONFIDENCE INDEX (MYCI)
110
125
117
126
101
106 109 106
114
92
109
93
106
1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22
Source: Oppotus 1Q2022

4. 5
o With so much positive
sentiments around us during this
early period of 2022, all our
MYCI components recorded an
uplift.
o Malaysians continue to be
hopeful and optimistic with their
financial well-being (as there are
no more restrictions when it
comes to businesses where
businesses are allowed to
perform their daily routine as
before).
o The optimism on current
financial well-being is also
translating to Malaysians being
more ready to make major
purchases (which also coincide
with e-commerce platforms
major 4.4 sales).
o Sentiments towards the
country’s economy, however,
remains weak (despite an uplift
is seen across the economy
indices)
MALAYSIA CONFIDENCE INDEX (MYCI) COMPONENTS
Current state of financial well-being
133
152
139
147
129
116
145
135140
107
130134
143
0
50
100
150
200
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
Financial well-being next 12mths
136
149155
143
153
145145141147
132
147
120
128
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
Good time for major purchases
90
99 93
111
73
95 96 98 101
72
101
88
110
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
State of economy now vs. last year
91
109
98
114
63
80
69
83 87
71
79
58
77
0
50
100
150
200
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
State of economy next 12mths
98
119
100
116
87 92 91
84
99
77
86
63
72
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
Source: Oppotus 1Q2022

5. 6
CURRENT FINANCIAL WELL-BEING
o Malaysians continue to be
optimistic with their current state
of financial well-being where the
index has been continuously
recorded an uptrend since after
FMCO.
o It does look like Malaysians are
living to the spirit of Malaysia
Boleh to stay put and stay
confident throughout the COVID-
19 pandemic period – more so
among the lower MHI group
(considering them being hit the
hardest in during FMCO).
Monthly Household Income
Location
Current state of financial well-being
133
152
139
147
129
116
145
135
140
107
130 134
143
0
50
100
150
200
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
137
148
160
0
50
100
150
200
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
RM4,501-RM7,000 RM7,001-RM10,000
RM10,001 and above
146
144
131
0
50
100
150
200
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
KL/PJ Penang JB Kuantan
*Kuantan was not included for 2Q2021
Source: Oppotus 1Q2022

6. 7
OUTLOOK ON FINANCIAL WELL-BEING NEXT 12 MONTHS
o ... and this positive vibe will
continue in the near future.
Monthly Household Income
Location
Financial well-being next 12 months
136
149
155
143
153
145 145 141
147
132
147
120
128
0
50
100
150
200
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
121
135
148
0
50
100
150
200
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
RM4,501-RM7,000 RM7,001-RM10,000
RM10,001 and above
140
124
120
0
50
100
150
200
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
KL/PJ Penang JB Kuantan
*Kuantan was not included for 2Q2021
Source: Oppotus 1Q2022

7. 8
SPEND ON MAJOR PURCHASES
o With the positive outlook of
financial well-being, Malaysians
are seeing now is the time, and
are ready to make major
purchases across all income
level.
o At 110 point, the index is at 2nd
highest point since its highest
point at 111 back in Q4’2019
(just right before the COVID-19
pandemic hit our country).
o *Worth noting at the time of data
collection, the major 4.4 e-
commerce sales is just around
the corner, which further boosted
the performance of this index.
Monthly Household Income
Location
Good time for major purchases
90
99
93
111
73
95 96 98 101
72
101
88
110
0
50
100
150
200
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
100
121
130
0
50
100
150
200
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
RM4,501-RM7,000 RM7,001-RM10,000
RM10,001 and above
122
96
105
110
0
50
100
150
200
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
KL/PJ Penang JB Kuantan
*Kuantan was not included for 2Q2021
Source: Oppotus 1Q2022

8. 9
CURRENT STATE OF ECONOMY
o At 77-points, our economy
index also recorded an uplift in
Q1’2022, however sentiments
remain weak (as it’s still below
the 100-point mark).
o The recent announcement on
the country’s borders opening
and businesses able to operate
in full capacity come April has
indeed lift the spirits of
Malaysians where we are no
longer being imposed to any
travel or movement restrictions.
o Despite this, Malaysians remain
skeptical about the country’s
economy which could be
attributed to our current unrest
political environment coupled
with talks about the upcoming
GE15.
Monthly Household Income
Location
State of economy now vs. last year
91
109
98
114
63
80
69
83 87
71
79
58
77
0
50
100
150
200
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
73
83
0
50
100
150
200
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
RM4,501-RM7,000 RM7,001-RM10,000
RM10,001 and above
76
45
68
140
0
50
100
150
200
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
KL/PJ Penang JB Kuantan
*Kuantan was not included for 2Q2021
Source: Oppotus 1Q2022

9. 1 0
STATE OF ECONOMY NEXT 12 MONTHS
o ..where this trend is seen to
continue in the next 12 months.
o As things will be fully back to
normal and with our country’s
borders opening soon, we
anticipate that the upward trend
of our MYCI will continue to soar
while COVID-19 is here to stay
for a little while more.
Monthly Household Income
Location
State of economy next 12 months
98
119
100
116
87
92 91
84
99
77
86
63
72
0
50
100
150
200
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
72
76
68
0
50
100
150
200
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
RM4,501-RM7,000 RM7,001-RM10,000
RM10,001 and above
82
55
60
80
0
50
100
150
200
1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22
KL/PJ Penang JB Kuantan
*Kuantan was not included for 2Q2021
Source: Oppotus 1Q2022

10. 1 1
NOTABLE ACTIVITIES PAST 3 MONTHS
Source: Oppotus 1Q2022
Online Shopping, %
Making online purchases from e-commerce
sites (e.g. Shopee, Lazada)
39 36 35 31
49 48 46 53 57 60 56
37 45
1Q19 1Q20 1Q21 1Q22
Making purchases from live streaming
(e.g. FB live, etc.)
18 15
23 22 15 12 12
3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q'22
Apply for banking products online
(e.g. credit card, loans, etc.)
9 8 10 10 6 6 7 9 5 12 6 8 8
1Q19 1Q20 1Q21 1Q'22
Online Banking & Insurance, %
Purchased insurance products online
(e.g. car, fire, etc.)
14 10 10 13
4
16 10 10 12 14 14 9
16
1Q19 1Q20 1Q21 1Q22
Online Gaming, % E-Wallet, %
18 17 22 22 16 10
22
3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22
Play online games
(ALL devices)
Making payments through e-wallet
(digital wallet)
15 22 27
38
63 49 60 56 67 54 66 67 68
1Q19 1Q20 1Q21 1Q22
Wearables, %
Used wearables (e.g. smart watch,
smart shoes, health, etc.)
17 13 15
29 23 21 24
16 17 22 24
44 35
1Q19 1Q20 1Q21 1Q22

11. 1 2
NOTABLE ACTIVITIES PAST 3 MONTHS (CONT.)
Source: Oppotus 1Q2022
International travel
(outside Malaysia)
Having a meal at convenience
stores/petrol marts
Travel, %
48 47 46 50
37
6
34 39
23
12 5
72 50
1Q19 1Q20 1Q21 1Q22
15 18 17 17
7 0 1 1 1 3 0 0 0
1Q19 1Q20 1Q21 1Q22
Domestic travel
(within Malaysia)
Purchase meal takeaway from
convenience stores/petrol marts
Eating OOH, %
26
61 66 58 63
37 46 52 65 56 51 55 56
1Q19 1Q20 1Q21 1Q22
26 22
38
25 31 20 30 30 40 40
24 24 19
1Q19 1Q20 1Q21 1Q22
Food Delivery, %
Order food directly from merchant’s food
delivery app (e.g. McDonald’s, KFC, etc.)
Order food through third party food
delivery app (e.g. Grab, foodpanda, etc.)
49
37
51
3Q21 4Q21 1Q22
38
11 12
3Q21 4Q21 1Q22

12. 1 3
E-WALLET LANDSCAPE IN MALAYSIA
2017/8 2020
2019
JAN’17 SEPT APR
2018
NOV DEC JAN’18 MAR APR JULY AUG
MAY
JULY MAR JAN’19
OCT
DEC AUG
E X I T
JUN JAN’20
DEC AUG
Source: Oppotus 1Q2022
NOV DEC
JUN JAN’21
2021
SEP
E X I T
OCT
NOV
DEC

13. 1 4
E-WALLET USAGE
Used e-wallet in last 3 months? (Yes, %) On average, how many e-wallets do
you use?
e-Penjana Campaign
31 Jul-30 Sep 2020
(RM50)
Average monthly e-wallet spending
(1Q22, %)
AVERAGE SPENDING: RM172.76
e-Tunai Rakyat
Campaign
15 Jan-14 Mar 2020
(RM30)
Source: Oppotus 1Q2022
15
22
27
38
62
49
60
56
67
54
66 67 68
1Q19 1Q20 1Q21 1Q22
2.6
3.3
2.6
3.0
1.3
2.8
2.3
2.1
2.3
3.0
3.5
5.6
4.6
0.0
1.0
2.0
3.0
4.0
5.0
6.0
7.0
1Q19 1Q20 1Q21 1Q22
6
24
45
16
6
1
0
0
0
0
Below RM10
RM10-RM50
RM51-RM100
RM101-RM200
RM201-RM300
RM301-RM500
RM501-RM700
RM701-RM1,000
RM1,001-RM1,500
RM1,501-RM2,000
More than RM2,000

14. 1 5
E-WALLET USAGE – BY BRAND
%
Source: Oppotus 1Q2022
86
48
47
29
41
34
35
27
0
20
40
60
80
100
1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22
Top 8 e-wallets used
14
7
5
0
20
40
60
80
100
1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22

15. 1 8
WHERE ARE E-WALLETS BEING USED?
Source: Oppotus 1Q2022
68
63
58
53 52 52
44
38
16 15
12
9 8
0
20
40
60
80
100
1Q, 2Q, 3Q, 4Q20, 1Q, 2Q, 3Q, 4Q21 1Q22
F&B Groceries
Bill
payment
Mobile
Reload
Petrol CVS
Food
Delivery
E-commerce
purchase
Transportation
Movie
Tickets
Hotels Gaming
Flight
Tickets

16. 2 8
14
59
64
45 49
61 64
53
60
78 74 70
3Q19 1Q20 3Q 1Q21 3Q 1Q22
18
70 72
64
70 68 65
60 59
74 77 72
3Q19 1Q20 3Q 1Q21 3Q 1Q22
22
85
79 76 74 74
67
62
57
81
93
72
3Q19 1Q20 3Q 1Q21 3Q 1Q22
15
56
61
51 52
60 56 53 52
68
61
70
3Q19 1Q20 3Q 1Q21 3Q 1Q22
13
51
57
45 49
60
51 48
64
76
63
73
3Q19 1Q20 3Q 1Q21 3Q 1Q22
TECH TRENDS
24
57
66
75
62 66
74 73 72
67
84
78
86
0
25
50
75
100
3Q19 1Q20 3Q 1Q21 3Q 1Q22
Cryptocurrency
(e.g. Bitcoin, Ethereum, etc.)
FinTech Esports
Blockchain
%
14
69
75
58
72 73 70
61
66
81 85
70
0
25
50
75
100
3Q19 1Q20 3Q 1Q21 3Q 1Q22
Virtual Reality (VR) Artificial Intelligence (AI) Augmented Reality (AR)
%
Source: Oppotus 1Q2022
Non-fungible token (NFT)
15
47
56
77
85
72
1Q21 2Q21 3Q21 4Q21 1Q22

17. 2 9
35
28
22
30
23
26
14
39 38
31
33
41
39
20
34
0
10
20
30
40
50
60
3Q18 4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22
OWN ANY CRYPTOCURRENCY?
Yes, %
Source: Oppotus 1Q2022

18. 3 0
12
8 7 6
4 4
1 1 0 0
0
10
20
30
40
50
TYPES OF CRYPTOCURRENCY OWNED
Bitcoin Bitcoin Cash Litecoin Dash NEO
Ethereum NEM
%
1Q, 2Q, 3Q, 4Q20, 1Q21, 2Q, 3Q, 4Q21 1Q22
Source: Oppotus 1Q2022
ENJ
DOGE XRP

19. 3 2
TOP PLATFORMS & EXCHANGES USED TO TRADE
CRYPTOCURRENCY AND SOURCES FOR NEWS & UPDATES
Local Bitcoin
Huobi
Luno
eToro
Bitpanda
Kraken
Bitcoin ATMs
MX Exchange
Paybis
Sinergy
Coinmama
Binance
Tokenize
36
21
19
16
16
13
11
11
9
9
7
7
5
Cryptocurrency platforms &
exchanges used %
Source: Oppotus 1Q2022
37
33
28
25
22
18
17
16
16
16
14
9
Sources for Cryptocurrency
news and updates %
WoM from friends
Telegram groups
Social media (e g Facebook, Instagram, etc )
WoM from family/relatives
Online search (e g Google, Yahoo, etc )
YouTube
Crypto news sites (e g CoinGecko, CoinDesk, etc )
Crypto exchange sites (e.g. Luno, etc.)
Online reviews, blogs
Clubhouse
LinkedIn
Reddit groups

20. 3 4
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KL ECO CITY, 59200 Kuala Lumpur, Malaysia
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