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
4 Q 2 0 2 1

2. 2
MYCI DECLINE WITH THE
LOOMING OF OMICRON
VARIANT
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.
Just as we regain confidence in 3Q21,
our MYCI recorded a drop from 109 to
93 points given the media coverage
on the looming of Omicron variant
coupled with the rising cost of living.
BOOST IN DOMESTIC
TRAVEL RECORDED
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
MALAYSIANS REMAIN
SUBDUED TOWARDS
MALAYSIAN ECONOMY
Our economy indices hit an all-time
low in 4Q21
After 2 years of travel restrictions, we
see a strong increase in Domestic
travel activities (72% travel
domestically in P3M in 4Q21 vs 3% in
1Q-3Q 21)
AVERAGE NUMBER OF E-
WALLETS USED
INCREASES
Consumers are seen to use more e-
wallets than before averagely. With so
many activities within the e-wallet
space, it is no surprise that consumers
are opting to try out the different e-
wallet services out there so as to
enjoy the perks and benefits offered
by the different players.
MALAYSIANS ARE BLEAK
ABOUT THEIR FUTURE
FINANCIAL WELL-BEING
The effect of the rising cost of living is
taking a toll as Malaysians are feeling
bleak towards their future financial
well-being and are holding hack on
major purchases.

3. 4
o After a rebound in 3Q’21, our MYCI show signs of
decline again in Q4’21 and has now dipped below
the 100-point mark again.
o The media coverage on the possible effect of
Omicron virus coupled with the coverage on the
rising cost of living seen to take a toll on
consumers’ confidence more on on the economy
aspects of things.
100
MALAYSIA CONFIDENCE INDEX (MYCI)
118
109 111 110
125
117
126
101
106 109 106
114
92
109
93
2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21
Source: Oppotus 4Q2021

4. 5
o Though businesses are
operating as normal and with
the country implementing
COVID-19 booster shots, the
news around the looming of
Omicron variant is seen to take
a toll on Malaysian’s confidence
this quarter.
o Just as people start to feel at
ease somewhat, dips are
recorded across many of our
MYCI components – apart from
current financial state of well-
being which is stable
(considering people are able to
work as normal).
o With news coverage about the
rising cost of living coupled with
unrest political environment
seen to hit on our MYCI
economy indices where it is at
its all-time low
MALAYSIA CONFIDENCE INDEX (MYCI) COMPONENTS
Current state of financial well-being
126
106
113
133
152
139
147
129
116
145
135
140
107
130
134
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
Financial well-being next 12mths
142
140
129
136
149
155
143
153
145
145
141
147
132
147
120
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
Good time for major purchases
67
78
90 90
99 93
111
73
95 96 98101
72
101
88
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
State of economy now vs. last year
93 95
105
91
109
98
114
63
80
69
83 87
71
79
58
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
State of economy next 12mths
161
125
115
98
119
100
116
87 92 91
84
99
77
86
63
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
Source: Oppotus 4Q2021

5. 6
CURRENT FINANCIAL WELL-BEING
o Current financial well-being is
the only component that is
stable – considering people are
able to work /earn a living as
normal.
Monthly Household Income
Location
Current state of financial well-being
126
106
113
133
152
139
147
129
116
145
135
140
107
130
134
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
129
135
155
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
RM4,501-RM7,000 RM7,001-RM10,000
RM10,001 and above
138
139
139
107
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
KL/PJ Penang JB Kuantan
*Kuantan was not included for 2Q2021
Source: Oppotus 4Q2021

6. 7
OUTLOOK ON FINANCIAL WELL-BEING NEXT 12 MONTHS
o With companies cutting back on
expenses to sustain the impact
of the pandemic and the rising
cost of living, consumers are
skeptical with their financial well-
being in the coming 12 months.
o The downtrend is seen across
all the income level.
Monthly Household Income
Location
Financial well-being next 12 months
142140
129
136
149
155
143
153
145145141
147
132
147
120
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
119
126
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
RM4,501-RM7,000 RM7,001-RM10,000
RM10,001 and above
123
115
129
102
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
KL/PJ Penang JB Kuantan
*Kuantan was not included for 2Q2021
Source: Oppotus 4Q2021

7. 8
SPEND ON MAJOR PURCHASES
o The downtrend on spends on
major purchase index is also a
reflection of consumers’
skeptism towards their financial
well-being the coming year.
Monthly Household Income
Location
Good time for major purchases
67
78
90 90
99
93
111
73
95 96 98 101
72
101
88
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
86
84
105
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
RM4,501-RM7,000 RM7,001-RM10,000
RM10,001 and above
79
100
95
97
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
KL/PJ Penang JB Kuantan
*Kuantan was not included for 2Q2021
Source: Oppotus 4Q2021

8. 9
CURRENT STATE OF ECONOMY
o With the rising cost of living
coupled with the unrest political
environment admist the looming
of Omicron, our economy
indices are hitting an all-time.
o A further drop of 21-pts is
recorded for current state of the
economy – where T20 and the
lower M40 have a more negative
outlook towards the economy.
Monthly Household Income
Location
State of economy now vs. last year
93 95
105
91
109
98
114
63
80
69
83 87
71
79
58
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
56
61
60
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
RM4,501-RM7,000 RM7,001-RM10,000
RM10,001 and above
51
51
30
103
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
KL/PJ Penang JB Kuantan
*Kuantan was not included for 2Q2021
Source: Oppotus 4Q2021

9. 1 0
STATE OF ECONOMY NEXT 12 MONTHS
o … and this downward trend will
continue in the near future.
Monthly Household Income
Location
State of economy next 12 months
161
125
115
98
119
100
116
87
92 91
84
99
77
86
63
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
58
68
71
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
RM4,501-RM7,000 RM7,001-RM10,000
RM10,001 and above
65
66
51
67
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21
KL/PJ Penang JB Kuantan
*Kuantan was not included for 2Q2021
Source: Oppotus 4Q2021

10. 1 1
NOTABLE ACTIVITIES PAST 3 MONTHS
Source: Oppotus 4Q2021
Online Shopping, %
Making online purchases from e-commerce
sites (e.g. Shopee, Lazada)
21
39 36 35 31
49 48 46 53 57 60 56
37
4Q18 4Q19 4Q20 4Q21
Making purchases from live streaming
(e.g. FB live, etc.)
18 15
23 22 15 12
3Q20 4Q20 1Q21 2Q21 3Q21 4Q21
Apply for banking products online
(e.g. credit card, loans, etc.)
22
14 9 8 10 10 6 6 7 9 5 12 6 8
4Q18 4Q19 4Q20 4Q21
Online Banking & Insurance, %
Purchased insurance products online
(e.g. car, fire, etc.)
14
29
16 14 10 10 13
4
16 10 10 12 14 14 9
2Q18 4Q18 4Q19 4Q20 4Q21
Online Gaming, % E-Wallet, %
18 17 22 22 16 10
3Q20 4Q20 1Q21 2Q21 3Q21 4Q21
Play online games
(ALL devices)
Making payments through e-wallet
(digital wallet)
22 15 22 27
38
63 49 60 56 67 54 66 67
4Q18 4Q19 4Q20 4Q21
Wearables, %
Used wearables (e.g. smart watch,
smart shoes, health, etc.)
12
21 20 17 13 15
29 23 21 24
16 17 22 24
44
2Q18 4Q18 4Q19 4Q20 4Q21

11. 1 2
NOTABLE ACTIVITIES PAST 3 MONTHS (CONT.)
Source: Oppotus 4Q2021
International travel
(outside Malaysia)
Having a meal at convenience
stores/petrol marts
Travel, %
29
40
26
48 47 46 50
37
6
34 39
23
12 5
72
2Q18 4Q18 4Q19 4Q20 4Q21
15
18 11 15 18 17 17
7 0 1 1 1 3 0 0
2Q18 4Q18 4Q19 4Q20 4Q21
Domestic travel
(within Malaysia)
Purchase meal takeaway from
convenience stores/petrol marts
Eating OOH, %
46
57
32 26
61 66 58 63
37 46 52 65 56 51 55
4Q18 4Q19 4Q20 4Q21
40
61
30 26 22
38
25 31 20 30 30 40 40
24 24
2Q18 4Q18 4Q19 4Q20 4Q21
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
3Q21 4Q21
38
11
3Q21 4Q21

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 4Q2021
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
(4Q21, %)
AVERAGE SPENDING: RM151.61
e-Tunai Rakyat
Campaign
15 Jan-14 Mar 2020
(RM30)
Source: Oppotus 4Q2021
12
22
15
22
27
38
62
49
60
56
67
54
66 67
4Q18 4Q19 4Q20 4Q21
1.9
2.6
3.3
2.6
3.0
1.3
2.8
2.3
2.1
2.3
3.0
3.5
5.6
0.0
1.0
2.0
3.0
4.0
5.0
6.0
7.0
4Q18 4Q19 4Q20 4Q21
2
38
38
13
8
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 4Q2021
90
58
51
36
32
66
48
0
20
40
60
80
100
1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21
Top 7 e-wallets used
24
9
28
10
11
0
20
40
60
80
100
1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21

15. 1 8
WHERE ARE E-WALLETS BEING USED?
Source: Oppotus 4Q2021
Groceries CVS
F&B
Food
Delivery
E-commerce
purchase
Mobile
Reload
Bill
payment
Petrol Transportation Gaming
Hotels
Flight
Tickets
Movie
Tickets
74
67 65 64 62
56
42 42 40
14
10 8
4
0
20
40
60
80
100
1Q, 2Q, 3Q, 4Q20, 1Q, 2Q, 3Q21 4Q21

16. 2 8
8
5153
59
39
44
59
64
4549
6164
53
60
7874
2Q18 4Q 2Q19 4Q 2Q20 4Q 2Q21 4Q21
12
39
53
70 72
64
70 68 65
60 59
74 77
2Q19 4Q 2Q20 4Q 2Q21 4Q21
26
60
73
85
79 76 74 74
67
62
57
81
93
2Q19 4Q 2Q20 4Q 2Q21 4Q21
6
27
42
56
61
51 52
60 56 53 52
68
61
2Q19 4Q 2Q20 4Q 2Q21 4Q21
9
27
44
51
57
45 49
60
51 48
64
76
63
2Q19 4Q 2Q20 4Q 2Q21 4Q21
TECH TRENDS
15
56 57
66
75
62 66
74 73 72
67
84
78
0
25
50
75
100
2Q19 4Q 2Q20 4Q 2Q21 4Q21
Cryptocurrency
(e.g. Bitcoin, Ethereum, etc.)
FinTech Esports
Blockchain
%
17
61 61
69
75
58
72 73 70
61
66
81 85
0
25
50
75
100
2Q19 4Q 2Q20 4Q 2Q21 4Q21
Virtual Reality (VR) Artificial Intelligence (AI) Augmented Reality (AR)
%
Source: Oppotus 4Q2021
Non-fungible token (NFT)
24
47
56
77
85
1Q21 2Q21 3Q21 4Q21

17. 2 9
35
28
22
30
23
26
14
39 38
31
33
41
39
19
0
10
20
30
40
50
3Q18 4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21
OWN ANY CRYPTOCURRENCY?
Yes, %
Source: Oppotus 4Q2021

18. 3 0
13
9
6 6 5 5
2 2
0 0
0
10
20
30
40
50
TYPES OF CRYPTOCURRENCY OWNED
Bitcoin Bitcoin Cash Litecoin Dash NEO
Ethereum NEM
%
3Q, 4Q19, 1Q, 2Q, 3Q, 4Q20, 1Q21, 2Q, 3Q 4Q21
Source: Oppotus 4Q2021
ENJ
DOGE XRP

19. 3 2
TOP PLATFORMS & EXCHANGES USED TO TRADE
CRYPTOCURRENCY
Local Bitcoin
Luno
MX Exchange
eToro
BitPanda
Huobi
Kraken
Bitcoin ATMs
Sinergy
Paybis
Coinmama
Tokenize
40
25
20
19
19
19
18
17
16
12
9
9
Cryptocurrency platforms &
exchanges used %
Source: Oppotus 3Q2021
38
36
36
31
29
25
23
22
20
19
17
7
Sources for Cryptocurrency
news and updates %
Telegram groups
Social media (e.g. Facebook, Instagram, etc.)
From friends
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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