Average monthly household spending on a family is $606 Find more at: https://www.di-onlinesurvey.com

1. STUDY ABOUT SPENDING MANAGEMENT
METHODS IN VIETNAM
BY DI-MARKETING (www.di-onlinesurvey.com)
May, 2017

2. 1
SURVEY DESIGN
❖ This survey was conducted to study about Spending Management Methods
in Vietnam
❖ Methodology: Online survey
❖ Fieldwork time: 5 days (1/05/2017 – 5/05/2017)
❖ Sample size: N = 740
❖ Geography: Nationwide

3. 2
RESPONDENTS SELECTION
Respondents of this survey had to be qualified below criteria
❖ Age : Above 20
❖ Occupation : Except Students
❖ Monthly spending : Above 4 mil VND

4. 3
KEY FINDINGS
1) Spending management methods used in Vietnam
• Overall, average monthly household spending of a family is $606
• Average percentage of monthly expenditure accounts for 59% of income
• Use spending management app (42%) and software (34%) are top 2 solutions to
keeping track of the expenses
2) Spending management apps/ software used in Vietnam
• Misa (18%), Money Me (15%), Money Lover (14%) are top 3 most used app/
software in Vietnam
• 68% are satisfied with their current app/ software
• Convenience (38%), Easy to use (19%), Easy to manage spending (12%) are top
3 factors making users satisfied
3) The difficulties in managing spending in Vietnam
• 61% are considered spending management difficult
• Real expenditure is always higher than planned (45%) is the most difficulty in
managing spending
• Specialists (22%), Wife/ Husband (14%), Parents (12%) are top 3 most trusted
people to get advice from

5. 4
N = 740
DEMOGRAPHIC INFORMATION
GenderAge
OccupationLiving Place
12%
59%
29%
From 40 and above
30 ~ 39
20 ~ 29
42%
58%
Male
Female
9%
1%
5%
13%
17%
55%
Other
Can Tho
Da Nang
Hai Phong
Hanoi
Ho Chi Minh
5%
1%
1%
4%
17%
19%
54%
Other
Housewife
Job seeker/ Retired
Worker
Self-employed
Engineer / Doctor / Teacher
Office Worker

6. 5
1) Spending management methods used in Vietnam
2) Spending management apps/ software used in Vietnam
3) The difficulties in managing spending in Vietnam
CONTENT

7. 6
4% 4% 4%
21%
31%
14%
31%
32%
30%
43%
32%
51%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Male Female
From $201 - under
$450
From $451 - under
$700
From $701 - under
$1000
From $1001 and
over
4% 2% 5% 3%
21%
11%
21%
46%
31%
30%
32%
29%
43%
56%
41%
21%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total 20 ~ 29 30 ~ 39 From 40
and above
From $201 - under
$450
From $451 - under
$700
From $701 - under
$1000
From $1001 and
over
OVERALL, AVERAGE MONTHLY HOUSEHOLD SPENDING OF A FAMILY IS $606
What is your family's monthly spending on living (for food, travel, shopping,
entertainment)? (Comparison by Age Group & Gender Group)
N = 740 N = 211 N = 440 N = 89
The older they are, the more they spend
Male spend more than female
N = 740 N = 309 N = 431
Weighted
Average
Monthly
Spending
$1331$619$518$606
Weighted
Average
Monthly
Spending
$559$1189$606

8. 7
What percentage of your monthly expenditure account for your monthly income?
(Comparison by Age Group & Gender Group)
N = 740 N = 211 N = 440 N = 89 N = 740 N = 309 N = 431
23%
18%
27%
12%
37%
27%
37% 66%
26%
31%
26%
17%
13%
24%
10%
4%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total 20 ~ 29 30 ~ 39 From 40
and above
From 10 - 30%
From 31 - 50%
From 51 - 70%
From 71 - 100%
23% 20%
25%
37%
49%
29%
26%
21%
30%
13% 10%
16%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Male Female
From 10 - 30%
From 31 - 50%
From 51 - 70%
From 71 - 100%
Weighted
Average % of
monthly
spending
64%61%52%59%
Weighted
Average % of
monthly
spending
57%61%59%
AVERAGE PERCENTAGE OF MONTHLY EXPENDITURE ACCOUNTS FOR 59%
The older they are, the more they spend
Male spend more than female

9. 8
18% 18% 17%
33%
28%
37%
47%
52%
43%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Male Female
Set detail limits for
each item
Spending depends
on the actual needs
of each month
Set a total limit
I do not have a
specific way of
managing money
Other
18% 18% 17%
21%
33% 33% 34% 26%
47% 46% 46%
51%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total 20 ~ 29 30 ~ 39 From 40
and above
Set detail limits for
each item
Spending depends
on the actual needs
of each month
Set a total limit
I do not have a
specific way of
managing money
Other
OVERALL, SET A DETAIL LIMIT FOR EACH ITEMS (47%) IS CONSIDERED THE
BEST WAY TO MANAGE THE SPENDING
How do you manage the spending of yourself and your family?
(Comparison by Age Group & Gender Group)
N = 740 N = 211 N = 440 N = 89
Female prefer “spending depend on the actual need” method comparing with Male
N = 740 N = 309 N = 431

10. 9
USE SPENDING MANAGEMENT APP (42%) AND SOFTWARE (34%) ARE TOP 2
SOLUTIONS TO KEEPING TRACK OF THE EXPENSES
What method do you often use to remember/ keep track of your expenses?
(Comparison by Age Group)
N = 740 N = 211 N = 440 N = 89
Older groups prefer using software on PC/Laptop while younger group like to use app on smartphone
Younger group use self-remember/ Mentality solution more frequently than older groups
3%
4%
8%
9%
34%
42%
0% 50% 100%
Usually do not remember
Record in phone / computer
Self-Remember / Mentality
Note on paper / notebook
Spending management software on
PC/ Laptop
Spending management app on the
phone
Total
5%
3%
12%
16%
21%
44%
0% 50% 100%
20 ~ 29
3%
4%
7%
6%
35%
45%
0% 50% 100%
30 ~ 39
3%
3%
4%
6%
58%
25%
0% 50% 100%
From 40 & above

11. 10
What method do you often use to remember/ keep track of your expenses?
(Comparison by Gender Group)
Female use self-remember/ Mentality more frequently than Male
3%
4%
8%
9%
34%
42%
0% 50% 100%
Usually do not remember
Record in phone / computer
Self-Remember / Mentality
Note on paper / notebook
Spending management software on PC/
Laptop
Spending management app on the phone
Total
2%
3%
6%
3%
38%
48%
0% 50% 100%
Male
4%
4%
10%
13%
31%
38%
0% 50% 100%
Female
N = 740 N = 309 N = 431
USE SPENDING MANAGEMENT APP (42%) AND SOFTWARE (34%) ARE TOP 2
SOLUTIONS TO REMEMBER THE EXPENSES

12. 11
1) Spending management methods used in Vietnam
2) Spending management apps/ software used in Vietnam
3) The difficulties in managing spending in Vietnam
CONTENT

13. 12
MISA (18%), MONEY ME (15%), MONEY LOVER (14%) ARE TOP 3 MOST USED
APP/ SOFTWARE IN VIETNAM
What app do you use?
(Comparison by Age Group)
N = 562* N = 136 N = 352 N = 74
PocketGuard is used more in 40 year olds and above group
1%
2%
4%
5%
7%
7%
8%
9%
9%
14%
15%
18%
0% 50% 100%
Other
Mint
Spendee
Fast Budget
PocketGuard
Budget Today
My expenses
Level Money
HomeBudget
Money Lover
Money Me
MISA
Total
2%
1%
2%
4%
5%
4%
6%
5%
6%
18%
12%
34%
0% 50% 100%
20 ~ 29
1%
3%
4%
5%
6%
8%
7%
11%
11%
13%
16%
15%
0% 50% 100%
30 ~ 39
1%
3%
5%
8%
14%
7%
12%
5%
8%
12%
19%
5%
0% 50% 100%
From 40 & above
* Who chose “Spending management app/ software” in Q: “What method do you often use to remember/ keep track of
your expenses?”

14. 13
What app do you use?
(Comparison by Gender Group)
N = 562* N = 267 N = 295
1%
2%
4%
5%
7%
7%
8%
9%
9%
14%
15%
18%
0% 20% 40% 60% 80% 100%
Other
Mint
Spendee
Fast Budget
PocketGuard
Budget Today
My expenses
Level Money
HomeBudget
Money Lover
Money Me
MISA
Total
1%
2%
4%
4%
9%
9%
7%
10%
8%
16%
12%
16%
0% 20% 40% 60% 80% 100%
Male
2%
3%
3%
6%
5%
5%
8%
8%
10%
12%
18%
20%
0% 20% 40% 60% 80% 100%
Female
MISA (18%), MONEY ME (15%), MONEY LOVER (14%) ARE TOP 3 MOST USED
APP/ SOFTWARE IN VIETNAM
* Who chose “Spending management app/ software” in Q: “What method do you often use to remember/ keep track of
your expenses?”

15. 14
5% 1% 2% 6%
19%
28%
15%
28%
34% 20%
34%
35%
35%
43% 41%
20%
6% 6% 6%
10%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total MISA Money Me Money Lover
Under 3 months
4-6 months
6 - 12 months
Over 1 year
Over 2 years
More than 3 years
ON AVERAGE, USERS HAVE USED THEIR CURRENT SPENDING MANAGEMENT
APP/ SOFTWARE FROM 4 – 12 MONTHS
How long have you been using the spending management app/ software?
(Comparison by TOP 3 BRANDs)
The time of using Money Lover is longer than that of the other apps
N = 562* N = 102 N = 86 N = 79
* Who chose “Spending management app/ software” in Q: “What method do you often use to remember/ keep track of
your expenses?”

16. 15
2% 0% 2% 5%
17%
8%
14%
13%
13%
14%
14% 14%
40% 63% 47%
29%
28%
16%
23%
39%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total MISA Money Me Money Lover
Completely satisfied
Satisfied
Normal
Unsatisfied
Completely unsatisfied
68% ARE SATISFIED WITH THEIR CURRENT APP/ SOFTWARE
How are you satisfied with your current using spending management app/
software? (Comparison by TOP 3 BRANDs)
Misa has the most satisfaction from users (3.86 points out of 5)
N = 562 N = 102 N = 86 N = 79
Weighted
Average
Score
3.74 3.86 3.74 3.85
* 5 = Completely satisfied, 4 = Satisfied, 3 = Normal, 2 = Unsatisfied, 1 = Completely unsatisfied

17. 16
CONVENIENCE (38%), EASY TO USE (19%), EASY TO MANAGE SPENDING
(12%) ARE TOP 3 FACTORS MAKING USERS SATISFIED
What are you satisfied with your current using spending management app/ software?
(Comparison by TOP 3 BRANDs)
Misa = Help spending savings + Easy to manage spending + Easy to use / Money Me = Convenience + Easy to manage spending +
Easy to use / Money Lover = Easy to use + Convenience + Detail spending history
N = 379* N = 80 N = 60 N = 54
5%
1%
1%
2%
2%
2%
2%
2%
2%
2%
3%
6%
11%
12%
19%
38%
0% 50% 100%
Other
Good Planing
Free of charge
Many functions
Easy/ Quick to take note
Beautiful display
Conciseness
Don't need to remember
Modernized
Possible to manage spending without taking note
Manage money effectively
Help spending savings
Detail spending history
Easy to manage spending
Easy to use
Convenience
Total
4%
0%
3%
0%
3%
5%
4%
6%
0%
4%
4%
26%
5%
23%
18%
13%
0% 50% 100%
MISA
3%
0%
3%
0%
2%
0%
0%
0%
0%
5%
5%
0%
5%
22%
18%
40%
0% 50% 100%
Money Me
11%
4%
0%
2%
0%
0%
4%
0%
0%
0%
2%
0%
20%
11%
31%
28%
0% 50% 100%
Money Lover
* Who chose “ Completely satisfied and Satisfied” in Q: “How are you satisfied with your current using spending
management app/ software?”

18. 17
1) Spending management methods used in Vietnam
2) Spending management apps/ software used in Vietnam
3) The difficulties in managing spending in Vietnam
CONTENT

19. 18
61% EVALUATED THAT SPENDING MANAGEMENT IS DIFFICULT
Do you find it difficult to manage your spending?
(Comparison by Age Group & Gender Group)
N = 740 N = 211 N = 440 N = 89
The older they are, the more difficult to manage spending they feel
Male have more difficulty in managing spending than female
N = 740 N = 309 N = 431
3% 2% 3% 2%
8% 8% 8% 7%
29%
42%
25%
18%
36%
40%
37%
20%
25%
8%
27%
53%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total 20 ~ 29 30 ~ 39 From 40
and above
Very difficult
Difficult
Normal
Easy
Very easy
3% 2% 3%
8%
6%
10%
29%
21%
34%
36%
33%
38%
25%
39%
15%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Male Female
Very difficult
Difficult
Normal
Easy
Very easy

20. 19
REAL EXPENDITURE IS ALWAYS HIGHER THAN PLANNED (45%) IS THE MOST
DIFFICULTY IN MANAGING SPENDING
What kind of difficulties do you often have in managing your spending?
(Comparison by Age Group)
N = 448 N = 102 N = 281 N = 65
The younger group don’t remember how much they have spent more often than the older groups
0%
25%
28%
36%
45%
0% 50% 100%
Other
No savings / no surplus
Spending is always higher than income
I do not remember how much I have
spent
Real expenditure is always higher than
planned
Total
2%
23%
22%
51%
51%
0% 50% 100%
20 ~ 29
0%
27%
29%
32%
43%
0% 50% 100%
30 ~ 39
0%
22%
34%
32%
42%
0% 50% 100%
From 40 & above
* Who chose “ Very difficult and Difficult” in Q: “Do you find it difficult to manage your spending?”

21. 20
What kind of difficulties do you often have in managing your spending?
(Comparison by Gender Group)
While Male don’t remember how much they have spent more often than female
N = 448 N = 220 N = 228
0%
25%
28%
36%
45%
0% 50% 100%
Other
No savings / no surplus
Spending is always higher than income
I do not remember how much I have spent
Real expenditure is always higher than
planned
Total
0%
23%
23%
41%
34%
0% 50% 100%
Male
0%
28%
33%
31%
56%
0% 50% 100%
Female
REAL EXPENDITURE IS ALWAYS HIGHER THAN PLANNED (45%) IS THE MOST
DIFFICULTY IN MANAGING SPENDING
* Who chose “ Very difficult and Difficult” in Q: “Do you find it difficult to manage your spending?”

22. 21
SPECIALISTS (22%), WIFE/ HUSBAND (14%), PARENTS (12%) ARE TOP 3 MOST
TRUSTED PEOPLE TO GET ADVICE FROM
If you get advice on how to manage your finances, who do you trust most among the people below?
(Comparison by Age Group)
The older group trust the books on financial management more than the younger groups
1%
5%
5%
6%
6%
9%
9%
12%
12%
14%
22%
0% 50% 100%
Other
Brothers/ Sisters
Friends
Colleagues
I have not had any difficulty managing my spending
Networking (on forums or on social networks like
Facebook)
Books on financial management
Website about guiding financial management effectively
Parents
Wife/ Husband
Specialists (financial advisors, financial managers, ...)
Total
2%
1%
9%
3%
7%
5%
8%
13%
20%
11%
20%
0% 50% 100%
20 ~ 29
1%
7%
3%
7%
6%
10%
8%
11%
10%
15%
22%
0% 50% 100%
30 ~ 39
1%
4%
3%
8%
6%
11%
16%
13%
3%
10%
24%
0% 50% 100%
From 40 & above
N = 740 N = 211 N = 440 N = 89

23. 22
If you get advice on how to manage your finances, who do you trust most among the people below?
(Comparison by Gender Group)
1%
5%
5%
6%
6%
9%
9%
12%
12%
14%
22%
0% 50% 100%
Other
Brothers/ Sisters
Friends
Colleagues
I have not had any difficulty managing my
spending
Networking (on forums or on social networks like
Facebook)
Books on financial management
Website about guiding financial management
effectively
Parents
Wife/ Husband
Specialists (financial advisors, financial managers,
...)
Total
2%
5%
5%
7%
4%
11%
13%
15%
7%
12%
20%
0% 50% 100%
Male
1%
5%
5%
5%
8%
6%
6%
10%
16%
15%
23%
0% 50% 100%
Female
N = 740 N = 309 N = 431
SPECIALISTS (22%), WIFE / HUSBAND (14%), PARENTS (12%) ARE TOP 3 MOST
TRUSTED PEOPLE TO GET ADVICE FROM

24. 23
FEEL FREE TO DROP US ANY QUESTION
• Japan & Taiwan
o Address: 3 Chome-2-6 Kasumigaseki, Chiyoda, Tokyo 100-0013, Japan
o Contact person: Mr. Hideyuki Kato (CEO)
o Email: hideyuki.kato@di-mktg.com
o Contact number: +81 3-5532-3200
• Vietnam
o Address: 9-15, Vincom center, 45A Ly Tu Trong, Ben Nghe ward, District 1,
Ho Chi Minh City, Vietnam
o Contact person: Mr. Ho Hai Dang (Country Manager)
o Email: dang.h@di-mktg.com
o Contact number: +84 902-73-9944
• Thailand
o Address: 246 Time Square Bld., 10th Fl., Room 10/04, Sukhumvit 12-14 Rd. Klongtoey,
Bangkok 10110, Thailand
o Contact person: Ms. Sariya Achawananthakul (Marketing & Operation Manager)
o Email: sariya.a@di-mktg.com
o Contact number: +66 876 724 832

25. 24
• Indonesia
o Address: Jalan Prof Dr Satrio Kav 18, 45th floor AXA Tower, Jakarta 12940, Indonesia
o Contact person: Mr. Hendry Pratama (Country Manager)
o Email: hendry.p@di-mktg.com
o Contact number: +65 822 1345 2555 | +62 21 3005 3541
• India
o Address: 10 Anson Road, #14-06, International Plaza, Singapore 079903
o Contact person: Mr. Sujit Kunte (Regional representative)
o Email: kunte.sujit@dreamincubator.com.sg
o Contact number: +65 9127 7654
FEEL FREE TO DROP US ANY QUESTION

26. 25