Key things you need to know on consumer confidence, media consumption, key behavioural, 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
2Q 2022

2. 2
M’SIA CONFIDENCE INDEX
FURTHER IMPROVES
WELCOME TO
MALAYSIANS
ON MALAYSIA
Our Malaysians on Malaysia study is
set to understand current trends and
pulse of the Nation in the market.
Since its inception in 2018, this study
has consistently reported on insights
and sentiments amongst Malaysians.
With COVID-19 restrictions going
away and international borders
reopening, we see optimism amongst
Malaysians regaining strength to 108
on the index.
As always, we continue to also cover
interesting topics like tech trends,
crypto insights and other key stats.
If you like to dig deeper into the
numbers, please do reach out to us at
theteam@oppotus.com
E-WALLET USAGE ARE AT
MASS ADOPTION LEVELS
E-wallet usage has plateaued at
current levels at two thirds of the adult
Malaysian population for the last 4
quarters, suggesting that it has
reached mass adoption mainstream
status.
FINANCIAL WELL-BEING
SEE CONTRACTION
Even though indices still indicate
strongly positive sentiments now,
Malaysians are impacted somewhat
by the rising cost of living which saw
financial well-being numbers taking a
dip this quarter.
INTERNATIONAL TRAVEL
REVIVES
With restrictions lifting across the
globe and Malaysia opening her
borders, we finally see 10% of
Malaysians travel to their favourite
destinations abroad, on the way to
recovering to pre-covid levels.
Key indices of Malaysian perceptions
towards the Nation’s economy surged
this quarter to pre-covid levels
suggesting that many have
expectations of better things to come.
Malaysians now use an average of 3-
4 brands of e-wallets at any one time.

3. 4
o With all economic sectors back in full operations in
Q2’22 and international borders opening, our MYCI
continues to record an uptick; similarly, across our
economic indices too.
o This suggests an overall increase of optimism
across the Malaysian market.
100
MALAYSIA CONFIDENCE INDEX (MYCI)
125
117
126
101
106 109 106
114
92
109
93
106 108
2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22
Source: Oppotus 2Q2022

4. 5
o Diving into the individual
components, Malaysians are
getting more optimistic with
current state of the economy
where the index is now at the
100-point mark, and this
sentiment is seen to extend over
to the next 12 months too
o While there is an uplift on
economy index in the next 12
months, sentiments however
remain weak (below 100-point
mark) – given the rising cost of
living that Malaysians are
currently experiencing
o With job opportunities
everywhere given the opening of
all economic sectors,
Malaysians are also optimistic
with their financial well-being in
the next 12 months
o Given the rise of cost of living,
Malaysians are seen to hold
back on major purchases once
again in 2Q’22
MALAYSIA CONFIDENCE INDEX (MYCI) COMPONENTS
Current state of financial well-being
152
139
147
129
116
145
135140
107
130134
143
131
0
50
100
150
200
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
Financial well-being next 12mths
149155
143
153
145145141147
132
147
120
128129
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
Good time for major purchases
99 93
111
73
95 96 98 101
72
101
88
110
93
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
State of economy now vs. last year
109
98
114
63
80
69
83 87
71
79
58
77
100
0
50
100
150
200
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
State of economy next 12mths
119
100
116
87 92 91
84
99
77
86
63
72
88
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
Source: Oppotus 2Q2022

5. 6
CURRENT FINANCIAL WELL-BEING
o Malaysians remain hopeful with
their current financial well-being
though a slight dip is recorded
since its uptrend from FMCO in
Q2’21
o This can be due to the rise in
cost of living the country is
currently experiencing which is
seen to have dampened
Malaysians’ confidence some
what
Monthly Household Income
Location
Current state of financial well-being
152
139
147
129
116
145
135
140
107
130 134
143
131
0
50
100
150
200
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
133
127
130
0
50
100
150
200
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
RM4,501-RM7,000 RM7,001-RM10,000
RM10,001 and above
149
111
127
126
0
50
100
150
200
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
KL/PJ Penang JB Kuantan
*Kuantan was not included for 2Q2021
Source: Oppotus 2Q2022

6. 7
OUTLOOK ON FINANCIAL WELL-BEING NEXT 12 MONTHS
o However, Malaysians’ are ever
hopeful, and remain positive that
their financial well-being will be
better in the next 12 months
Monthly Household Income
Location
Financial well-being next 12 months
136
149
155
143
153
145 145 141
147
132
147
120
128129
0
50
100
150
200
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
134
121
124
0
50
100
150
200
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
RM4,501-RM7,000 RM7,001-RM10,000
RM10,001 and above
137
106
136
129
0
50
100
150
200
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
KL/PJ Penang JB Kuantan
*Kuantan was not included for 2Q2021
Source: Oppotus 2Q2022

7. 8
SPEND ON MAJOR PURCHASES
o The downtrend on spends on
major purchases index reflects
the current financial well-being
index
Monthly Household Income
Location
Good time for major purchases
99
93
111
73
95 96 98 101
72
101
88
110
93
0
50
100
150
200
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
94
87
104
0
50
100
150
200
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
RM4,501-RM7,000 RM7,001-RM10,000
RM10,001 and above
66
92
115
118
0
50
100
150
200
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
KL/PJ Penang JB Kuantan
*Kuantan was not included for 2Q2021
Source: Oppotus 2Q2022

8. 9
CURRENT STATE OF ECONOMY
o After over 2 years of being
below 100-point mark,
Malaysians’ confidence towards
the economy is back as the
index surged to reach the
important 100-point mark in
2Q’22
o While is just at a borderline, it is
still a positive note that we are
moving forwards from the
COVID-19 pandemic
o As all restrictions (e.g. jobs,
travel, etc.) have been lifted,
these events have indeed
uplifted Malaysians confidence
that our economy is getting
better
Monthly Household Income
Location
State of economy now vs. last year
109
98
114
63
80
69
83 87
71
79
58
77
100
0
50
100
150
200
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
102
90
0
50
100
150
200
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
RM4,501-RM7,000 RM7,001-RM10,000
RM10,001 and above
103
56
109
138
0
50
100
150
200
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
KL/PJ Penang JB Kuantan
*Kuantan was not included for 2Q2021
Source: Oppotus 2Q2022

9. 10
STATE OF ECONOMY NEXT 12 MONTHS
o Not only are Malaysians a lot
more positive with the country’s
economy currently, they are also
seen to have positive vibes
towards the country’s state of
economy continue in the near
future – which recorded good
growth this quarter, inching
towards the 100-pt mark
Monthly Household Income
Location
State of economy next 12 months
119
100
116
87
92 91
84
99
77
86
63
72
88
0
50
100
150
200
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
95
80
73
0
50
100
150
200
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
RM4,501-RM7,000 RM7,001-RM10,000
RM10,001 and above
104
57
92
88
0
50
100
150
200
2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22
KL/PJ Penang JB Kuantan
*Kuantan was not included for 2Q2021
Source: Oppotus 2Q2022

10. 11
NOTABLE ACTIVITIES PAST 3 MONTHS
Source: Oppotus 2Q2022
Online Shopping, %
Making online purchases from e-commerce
sites (e.g. Shopee, Lazada)
36 35 31
49 48 46 53 57 60 56
37 45 36
2Q19 2Q20 2Q21 2Q22
Making purchases from live streaming
(e.g. FB live, etc.)
18 15
23 22 15 12 12
20
3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22
Apply for banking products online
(e.g. credit card, loans, etc.)
8 10 10 6 6 7 9 5 12 6 8 8 13
2Q19 2Q20 2Q21 2Q22
Online Banking & Insurance, %
Purchased insurance products online
(e.g. car, fire, etc.)
10 10 13
4
16 10 10 12 14 14 9 16 12
2Q19 2Q20 2Q21 2Q22
Online Gaming, % E-Wallet, %
18 17 22 22 16 10
22 16
3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22
Play online games
(ALL devices)
Making payments through e-wallet
(digital wallet)
22 27
38
63 49 60 56 67 54 66 67 68 66
2Q19 2Q20 2Q21 2Q22
Wearables, %
Used wearables (e.g. smart watch,
smart shoes, health, etc.)
13 15
29 23 21 24
16 17 22 24
44 35 30
2Q19 2Q20 2Q21 2Q22

11. 12
NOTABLE ACTIVITIES PAST 3 MONTHS (CONT.)
Source: Oppotus 2Q2022
International travel
(outside Malaysia)
Having a meal at convenience
stores/petrol marts
Travel,
%
47 46 50
37
6
34 39
23
12 5
72
50 43
2Q19 2Q20 2Q21 2Q22
18 17 17
7 0 1 1 1 3 0 0 0
10
2Q19 2Q20 2Q21 2Q22
Domestic travel
(within Malaysia)
Purchase meal takeaway from
convenience stores/petrol marts
Eating OOH, %
61 66 58 63
37 46 52 65 56 51 55 56 44
2Q19 2Q20 2Q21 2Q22
22
38
25 31 20 30 30 40 40
24 24 19 27
2Q19 2Q20 2Q21 2Q22
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 58
3Q21 4Q21 1Q22 2Q22
38
11 12
40
3Q21 4Q21 1Q22 2Q22

12. 13
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
EXIT
JUN JAN’20
DEC AUG
Source: Oppotus 2Q2022
NOV DEC
JUN JAN’21
2021
SEP
EXIT
OCT
NOV
DEC

13. 14
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
(2Q22, %)
AVERAGE SPENDING: RM259.78
e-Tunai Rakyat
Campaign
15 Jan-14 Mar 2020
(RM30)
Source: Oppotus 2Q2022
22
27
38
62
49
60
56
67
54
66 67 68 66
2Q19 2Q20 2Q21 2Q22
3.3
2.6
3.0
1.3
2.8
2.3
2.1
2.3
3.0
3.5
5.6
4.6
3.9
0.0
1.0
2.0
3.0
4.0
5.0
6.0
7.0
2Q19 2Q20 2Q21 2Q22
0
2
16
39
19
14
8
1
1
1
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. 15
14
13
10
9
6
0
20
40
60
80
100
1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22
E-WALLET USAGE – BY BRAND
%
Source: Oppotus 2Q2022
79
29
34
20
21
30
23
50
0
20
40
60
80
100
1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22
Top 8 e-wallets used

15. 18
WHERE ARE E-WALLETS BEING USED?
Source: Oppotus 2Q2022
84
65
61
57
33 33
29 28
11 10 10 10
4
0
20
40
60
80
100
2Q, 3Q, 4Q20, 1Q, 2Q, 3Q, 4Q21, 1Q22 2Q22
Transportation
Groceries FnB CVS
Food
Delivery
Bill
Payments
Mobile
Reloads
Petrol
E-commerce
Purchase
Movie
Tickets
Hotels Gaming
Flight
Tickets

16. 29
TECH TRENDS
Source: Oppotus 2Q2022
Cryptocurrency
(e.g. Bitcoin, Ethereum, etc.)
FinTech Esports
Blockchain
%
Virtual Reality (VR) Artificial Intelligence (AI) Augmented Reality (AR)
%
Non-fungible token (NFT)

17. 30
OWN ANY CRYPTOCURRENCY?
Source: Oppotus 2Q2022
Yes, %

18. 31
TYPES OF CRYPTOCURRENCY OWNED
Source: Oppotus 2Q2022
Bitcoin Bitcoin Cash Ethereum Dash ENJ
Dogecoin NEM
%
1Q, 2Q, 3Q, 4Q20, 1Q21, 2Q, 3Q, 4Q, 1Q22 2Q22
NEO
Litecoin XRP

19. 33
TOP PLATFORMS & EXCHANGES USED TO TRADE
CRYPTOCURRENCY AND SOURCES FOR NEWS & UPDATES
Source: Oppotus 2Q2022
Local Bitcoin
Huobi
Luno
Bitpanda
eToro
Kraken
MX Exchange
Sinergy
Bitcoin ATMs
Paybis
Coinmama
Binance
Tokenize
Cryptocurrency platforms &
exchanges used %
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. 35
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