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
4Q 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 INCREASE IN
CONSUMER CONFIDENCE
Coming into the last quarter of 2019,
our Malaysians on Malaysia study is
set to understand the trend and
sentiments that has happened thus far
during 2019. Since its inception in
early 2018, this study has consistently
reported on insights and sentiments
amongst Malaysians.
Malaysians are looking more confident
than they were in 3Q19, with the
overall Malaysian Confidence Index
(MYCI) reaching the highest it’s been
since the beginning of 2018
GLOBAL ECONOMY SEES
GRADUAL DECLINE
With continuous uncertainty
proliferating throughout the world –
BREXIT, US China Trade War,
Persian Gulf crisis etc. – the current
state of the global economy has seen
better days.
E-WALLET ADOPTION MOVING
TOWARDS EARLY MAJORITY
PHASE
Usage of e-wallet as a technology and
product has been steadily picking up,
registering a 40% growth in 4Q19. We
also saw the demise of the first
notable e-wallet provider in Malaysia.
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 on
theteam@oppotus.com
MALAYSIANS REMAIN
OPTIMISTIC AMIDST SLOW
ECONOMIC GROWTH
Although some Malaysian’s are
worried about their financial well-being
in the upcoming year, most remain
confident that the state of our
economy will see improvements

3. 4
o Malaysia’s Confidence Index (MYCI) is at its
highest index since the launch of our Malaysian’s
on Malaysia report – ending 2019 with a high note
o Despite the slowdown in both our domestic and the
global economy, Malaysians remain confident and
optimistic on the country’s economic growth as well
as their current well-being
100
MALAYSIA CONFIDENCE INDEX (MYCI)
118
109 111 110
125
117
126
Q2'18 Q3'18 Q4'18 Q1'19 Q2'19 Q3'19 Q4'19
Source: Oppotus 4Q2019

4. 5
MALAYSIA CONFIDENCE INDEX (MYCI) COMPONENTS
o Confidence index for most
indicators seen to grow steadily
this quarter – apart for
consumer’s well-being in the
next year which sees a 12pt
drop since Q3’19
o Despite this, consumer’s
purchase of major goods
continues to increase, seeing it’s
highest score of 111pts
o This is not surprising, given the
confidence towards the country’s
economy in the next 12months
and at the same time, most
agree that the economy now is
in a better position than it was in
2018
Source: Oppotus 4Q2019
Current state of financial well-being
126
106
113
133
152
139
147
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19
Financial well-being next 12mths
142 140
129
136
149 155
143
2Q18 4Q18 2Q19 4Q19
Good time for major purchases
67
78
90 90
99 93
111
2Q18 4Q18 2Q19 4Q19
State of economy now vs. last year
93 95
105
91
109
98
114
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19
State of economy next 12mths
161
125
115
98
119
100
116
2Q18 4Q18 2Q19 4Q19

5. 6
CURRENT FINANCIAL WELL-BEING
Source: Oppotus 4Q2019
o Looking into current financial
well-being, there is an 8pt
increase in confidence vs last
quarter
o Headlines such as strong GDP
growth rate and lower inflation in
Q3’2019 likely to have
contributed to this confidence
level
o This confidence is more
apparent amongst mid to high
income groups across all
locations (with JB and Penang
consumers leading indicators as
opposed to Klang Valley)
140 137
167
135 134
154
156
149
0
50
100
150
200
Q4'18 Q2'19 Q4'19
Klang Valley Penang JB Kuantan
Monthly Household Income
Location
Current state of financial well-being
126
106
113
133
152
139
147
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19
135
153
157
0
50
100
150
200
Q4'18 Q2'19 Q4'19
RM4,501 - RM6,000 RM 6,001 - RM8,000 > RM8,000

6. 7
OUTLOOK ON FINANCIAL WELL-BEING NEXT 12 MONTHS
Source: Oppotus 4Q2019
o Despite the positive outlook of
current well-being, Malaysians
are somehow feeling worried
about their well-being in the
coming year – although overall,
the index is still high at 143
o This drop is largely seen in
Johor Bahru as news around the
nation’s financial position,
political stability, job security and
increasing food prices raise
concerns among consumers143 140 142
140
140
158
120
175
0
50
100
150
200
Q4'18 Q2'19 Q4'19
Klang Valley Penang JB Kuantan
Monthly Household Income
Location
Financial well-being next 12 months
142 140
129
136
149
155
143
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19
141
145
143
0
50
100
150
200
Q4'18 Q2'19 Q4'19
RM4,501 - RM6,000 RM 6,001 - RM8,000 > RM8,000

7. 8
SPEND ON MAJOR PURCHASES
Source: Oppotus 4Q2019
o The confidence with current
financial well-being is reflecting
on consumers’ spending on
major purchases
o Growing steadily since Q2’2018,
this quarter sees a big spike in
consumer confidence on
positivity to major purchases
spending (up 18pts)
o The jump is mainly contributed
by the mid-income bracket
o Looking at locations, consumers
across agree Q4’2019 is a good
time to spend on major
purchases – but less so among
Kuantan consumers where since
Q1’2019, index has been
depressed and continues to be
95 95
118 116
127
112
126
44
0
50
100
150
200
Q4'18 Q2'19 Q4'19
Klang Valley Penang JB Kuantan
Monthly Household Income
Location
Good time for major purchases
67
78
90 90
99
93
111
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19
87
122
133
0
50
100
150
200
Q4'18 Q2'19 Q4'19
RM4,501 - RM6,000 RM 6,001 - RM8,000 > RM8,000

8. 9
CURRENT STATE OF ECONOMY
Source: Oppotus 4Q2019
o As for consumers’ outlook on the
economy, Malaysians show
confidence with our current
economic position – highest
score (114pts) seen since Q2’18
93 95
129
116
111
58
168
88
0
50
100
150
200
Q4'18 Q2'19 Q4'19
Klang Valley Penang JB Kuantan
Monthly Household Income
Location
State of economy now vs. last year
93 95
105
91
109
98
114
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19
107
113
122
0
50
100
150
200
Q4'18 Q2'19 Q4'19
RM4,501 - RM6,000 RM 6,001 - RM8,000 > RM8,000

9. 1 0
STATE OF ECONOMY NEXT 12 MONTHS
Source: Oppotus 4Q2019
o There seems to be hope that
there will be improvements in
the country’s economy as
Malaysians rated their
confidence towards the country’s
economy in the next 12 months
o This increase in confidence is
solely seen in JB as they remain
optimistic towards the growth of
the country’s economy, while
other locations see a dip on this
index
108 102
135
115
106
81
167
79
0
50
100
150
200
Q4'18 Q2'19 Q4'19
Klang Valley Penang JB Kuantan
Monthly Household Income
Location
State of economy next 12 months
93 95
105
91
109
98
114
0
50
100
150
200
2Q18 4Q18 2Q19 4Q19
107
117
126
0
50
100
150
200
Q4'18 Q2'19 Q4'19
RM4,501 - RM6,000 RM 6,001 - RM8,000 > RM8,000

10. 1 1
NOTABLE ACTIVITIES PAST 3 MONTHS
Online activities, %
Making online purchases
from e-commerce sites
(e.g. Lazada, Shopee)
Purchased
insurance products
online (e.g. car, fire,
etc.)
Apply for banking
products online (e.g.
credit card, loans,
etc.)
Travel, %
Domestic travel
(within Malaysia)
International travel
(outside Malaysia)
Eating OOH, %
Purchase meal
takeaway from
convenience
stores/petrol marts
Having a meal at
convenience
stores/petrol
marts
Used wearables
(e.g smart watch,
smart shoes,
health, etc.)
Wearables, %
Making payments
through e-wallet
(digital wallet)
E-wallet, %
Source: Oppotus 4Q2019
11
22
14 9 8 10 10
2Q 4Q18 2Q 4Q19
14
29
16 14 10 10 13
2Q 4Q18 2Q 4Q19
21
39 36 35 31
4Q18 1Q 2Q 3Q 4Q19
12
22
15
22 27
38
3Q 4Q18 1Q 2Q 3Q 4Q19
12
21 20 17 13 15
29
2Q 4Q18 2Q 4Q19
29
40
26
48 47 46 50
2Q 4Q18 2Q 4Q19
15
18
11 15 18 17 17
2Q 4Q18 2Q 4Q19
46
57
32 26
61 66 58
2Q 4Q18 2Q 4Q19
40
61
30
56
22
38
25
2Q 4Q18 2Q 4Q19

11. 1 2
E-WALLET LANDSCAPE IN MALAYSIA
JAN SEPT APR
2018
NOV DEC JAN MAR APR JULY AUGMAY
2017 2018
NOVAPR MAR FEB JAN DEC
OCT
2019
NOV OCT AUG JULYDEC
Source: Oppotus 4Q2019
E X I T

12. 1 3
E-WALLET USAGE
12%
22%
15%
22%
27%
38%
3Q18 4Q18 1Q19 2Q19 3Q19 4Q19
Used e-wallet in last 3 months?
On average, how many e-wallets
do each person use?
1.9
2.6
4Q18 AVE
1Q19 AVE
e e e
e e e
3.32Q19 AVE e e e e
Source: Oppotus 4Q2019
+11%
2.63Q19 AVE e e e
3.04Q19 AVE e e e e

13. 1 4
1212
12
10
7
2
Q1'19 Q2'19 Q3'19 Q4'19
E-WALLET USAGE
Source: Oppotus 4Q2019
%
30
42 41
72
27
35
40
5256
74
66
44
17
18
26
35
29
55
21
25
0
20
40
60
80
100
Q1'19 Q2'19 Q3'19 Q4'19
Top 5 e-wallets used
Other E-Wallets (Q4 2019):
• WeChat Pay (7%)
• Raazer Pay (2%)

14. 1 7
Q1, Q2, Q3’19
WHERE ARE E-WALLETS BEING USED?
Source: Oppotus 4Q2019
71
41 39 38 37
32
28 28 26
14
11 10
0
20
40
60
80
100
F&B
Food
Delivery
Movie
Tickets
CVS Groceries
Bill
payment
Mobile
Reload
Gaming Transportation Hotels Petrol
Flight
Tickets
Q4’19

15. 2 5
Source: Oppotus 4Q2019
WOULD YOU CONTINUE
TO USE E-WALLETS IF THERE ARE NO INCENTIVES?
Incentives include: Cash back, rebates, promotions & discounts offered
77
10
13
0%
20%
40%
60%
80%
100%
4Q2019
YES
MAYBE
NO

16. 2 7
22
51 53
59
39
44
59
64
2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 Q419
27
56 54 57
39
53
70 72
2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19
34
61
68
60
73
85
79
3Q18 4Q18 1Q19 2Q19 3Q19 4Q19
19
41 40
56
27
42
56
61
2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19
21
50 51 47
27
44
51
57
2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19
TECH TRENDS
31
75
64
51
56 57
66 75
0
25
50
75
100
2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19
Cryptocurrency
(e.g. Bitcoin, Ethereum, etc.)
FinTech EsportsBlockchain
%
29
60
66 63 61 61
69
75
0
25
50
75
100
2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19
Virtual Reality (VR) Artificial Intelligence (AI) Augmented Reality (AR)
%
Source: Oppotus 4Q2019

17. 2 8
35
28
22
30
23
26
0
10
20
30
40
50
3Q18 4Q18 1Q19 2Q19 3Q19 4Q19
OWN ANY CRYPTOCURRENCY?
+3%
Source: Oppotus 4Q2019
%

18. 2 9
Q1, Q2, Q3’19
Source: Oppotus 4Q2019
20
17
6
4 4 3 3
2
0
10
20
30
40
50
Q4’19
TYPES OF CRYPTOCURRENCY OWNED
Bitcoin Bitcoin Cash Litecoin Dash Ripple NEO Ethereum NEM
%

19. 3 0
35
20
30
15
26
27
21
26
50
50
56
37
8
44
56
59
20
21
ESPORTS ATTENDANCE TRENDS AND PROFILE
12
27
13
15
13
19
3Q18 4Q18 1Q19 2Q19 3Q19 4Q19
Have physically
ever been to an
Esports event?
Klang Valley
Penang
Johor Bahru
Kuantan
18-24 years old
25-34 years old
35-44 years old
45 years old & above
Male
Female
Malay
Chinese
Indian
PMEB
Non-PMEB
RM4,500-RM7,000
RM7,001-RM9,000
RM9,001 and above
LOCATION
AGE
GENDER
RACE
MHI
WORKING
STATUS
Source: Oppotus 4Q2019
29
43
27
1
41
36
14
9
58
42
44
52
3
50
50
52
17
30
E-SPORTS
ATTENDEES
AVE.
29.3 YO
AVE.
RM7484.82
%
%
TOTAL
AVE.
34.7 YO
AVE.
RM8,311.90
%

20. 3 2
OPPOTUS RESEARCH GROUP SDN BHD
Level 40 Mercu 2, No.3 Jalan Bangsar
KL ECO CITY, 59200 Kuala Lumpur, Malaysia
www.oppotus.com
theteam@oppotus.com