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Consumer Loans Usage In Thailand

The document summarizes the findings of a survey on the consumer loans market in Thailand. Some key findings include: - Krungthai, Siam Commercials, and Krungsri are the most well-known consumer loan providers in Thailand. TV ads, Facebook ads, and websites/forums are the main sources of awareness. - 75% of Thai online consumers have used consumer loan services, with Krungthai and Aeon being market leaders. Consumers choose providers based on reliability and simple registration processes. - Consumer loans are mostly used to purchase mobile phones, houses, and electronics. Most loans are small installments under $250 for 6-12 month terms.

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STUDY ON CONSUMER LOANS MARKET IN THAILAND BY DI-MARKETING (www.di-onlinesurvey.com) November, 2016
1 SCOPE OF WORK  This survey was conducted to study about consumer loans market in Thailand  Consumer loan definition: a loan that is lent to customers for personal, family, or household purposes. The loan is usually unsecured and is based solely on borrower’s integrity and ability to pay.  Methodology: Online survey  Fieldwork time: 10 days (10/10/2016 to 20/10/2016)  Sample size: N = 569  Geography: Nationwide
2 KEY FINDINGS • Krungthai, Siam Commercials, and Krungsri are the most well-known banks in Thailand • Ads on TV, Facebook and webs/forums are the main sources of awareness for consumer loan services • 75% of Thai online population have used consumer loan services in Thailand, in which Krungthai and Aeon are market leaders • Most choose their services based on reliability and simple registration • Thai people mostly apply for consumer loans to buy mobile phone, house, and electronic appliances • 95% of consumer loans in Thailand are installment consumer loans • Most consumer loans are small, just under $250 for each loan • Typical installment term is between 6 and 12 months • Gifts, vouchers, and discounts for other products are the preferred promotions to be coupled with consumer loan services • Overall, 83% respondents feel satisfied with their current customer loan services provider • Krungthai has the highest loyalty rate with 50% while 19% of EASY BUY users (top 6 consumer loan service provider in term of market size) will switch to another provider • Generally, high interest rate, bad customer service, and complicated registration procedure are making customers unhappy • 77% have pawned their properties at least once • The higher income, the more valuable their pawned properties • 82% have at least once take on a high interest rate loan
3 DEMOGRAPHIC INFORMATION Age Gender N = 569 Living Place Occupation 19% 23% 20% 38% Over 35 30-35 26-30 Under 18-25 60% 40% Female Male 46% 54% Others Bangkok 6% 4% 4% 5% 7% 7% 10% 57% Others Engineer/Doctor/Teacher Factory Worker Job seeker/Retired Housewife Self-employed Student Officer
4 KRUNGTHAI, SIAM COMMERCIALS, AND KRUNGSRI ARE THE MOST WELL-KNOWN BANKS IN THAILAND Do you know any consumer loan service providers listed below? 7% 5% 22% 30% 32% 33% 37% 38% 42% 44% 52% 52% 56% 59% 72% Others AIRA & AIFUL Standard Chartered CIMB UOB TMB KTC Krungthep bank Citi Bank EASY BUY Thanachart Aeon Krungsri Siam Commercials Krungthai Total 4% 5% 24% 30% 31% 31% 36% 37% 41% 36% 50% 45% 50% 56% 72% Bangkok 10% 5% 20% 29% 34% 35% 38% 40% 43% 52% 54% 61% 63% 63% 73% Others N = 569 N = 309 N = 260
5 ADS ON TV, FACEBOOK AND WEBS/FORUMS ARE THE MAIN SOURCES OF AWARENESS FOR CONSUMER LOAN SERVICES How do you know about these providers? N = 569 N = 309 N = 260 30% 5% 5% 10% 20% 23% 25% 26% 45% 49% 74% Others Consultancy of salesman Consultancy of staffs of financial companies at sales points I know through sms advertising messages/ email Poster, flyer In/ Out of home ads Friends/relatives' suggestion See others use these brands Web, forum ads Facebook ads TV ads Total 24% 5% 6% 9% 16% 23% 20% 21% 37% 48% 77% Bangkok 38% 5% 5% 12% 24% 23% 30% 32% 54% 50% 72% Others
6 75% HAVE USED CONSUMER LOAN SERVICE Have you ever used consumer loan service? N = 569 N = 309 N = 260 25% 21% 30% 75% 79% 70% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Bangkok Others Yes No
7 PEOPLE DO NOT USE CONSUMER LOAN SERVICES BECAUSE THEY HAVE NO DEMAND Why haven’t you used any consumer loan services? N = 143* N = 78 N = 65 3% 1% 2% 3% 4% 8% 14% 64% Others Complicating procedure High service fee I cannot prove my income High interest Cannot control my consumption Be concerned about paying debt ability I have no demand Total 3% 2% 3% 3% 8% 6% 17% 58% Bangkok 4% 1% 1% 3% 1% 10% 12% 68% Others * Only asking respondents that haven’t used any consumer loan service
8 KRUNGTHAI AND AEON ARE THE MARKET LEADERS OF CONSUMER LOAN INDUSTRY IN THAILAND Which consumer loan service provider do you the most? (by city) N = 426 N = 244 N = 182 3% 1% 1% 1% 2% 2% 3% 5% 8% 8% 10% 11% 19% 27% Others Standard Chartered UOB CIMB Krungthep bank TMB Citi Bank KTC EASY BUY Thanachart Krungsri Siam Commercials Aeon Krungthai Total 2% 1% 1% 1% 1% 2% 3% 3% 5% 10% 10% 11% 14% 35% Bangkok 5% 1% 0% 1% 3% 2% 2% 8% 10% 5% 9% 11% 25% 17% Others Cities other than Bangkok uses Aeon more than Krungthai
9 MOST CHOOSE THEIR SERVICE BASED ON RELIABILITY AND SIMPLE REGISTRATION Why do choose to use the service from that provider? (top 6 service providers, 1st to 3rd) N = 351* N = 117 N = 80 Krungthai and Siam Commercials offer good customer service, while fast approving time is the strength of Aeon 2% 4% 5% 6% 11% 13% 15% 17% 17% 19% 24% 32% 40% 62% Others Enthusiastic consultant Don't need to mortgage Salesman suggestion Low service fee Friends/ relatives… Have many promotions Extentive POS network Clear and simple loan policy Low interest Fast approving time Good customer service Simple registration procedure Reliable Total 3% 3% 1% 2% 5% 2% 5% 8% 11% 9% 9% 33% 20% 79% Krungthai 4% 4% 13% 8% 20% 30% 25% 29% 18% 30% 49% 21% 65% 46% Aeon 0% 0% 4% 6% 6% 6% 10% 19% 17% 17% 13% 31% 25% 73% Siam Commercials N = 48 * Only choose brands with significant shares (>30 users)
10 MOST CHOOSE THEIR SERVICE BASED ON RELIABILITY AND SIMPLE REGISTRATION Why do choose to use the service from that provider? (top 6 service providers, 4th to 6th) N = 351* N = 41 N = 33 Thanachart has good consumer service while EAST BUY’s approving time is fast 2% 4% 5% 6% 11% 13% 15% 17% 17% 19% 24% 32% 40% 62% Others Enthusiastic consultant Don't need to mortgage Salesman suggestion Low service fee Friends/ relatives… Have many promotions Extentive POS network Clear and simple loan policy Low interest Fast approving time Good customer service Simple registration procedure Reliable Total N = 32 0% 10% 2% 12% 20% 15% 27% 20% 32% 27% 29% 39% 46% 68% Krungsri 0% 6% 0% 9% 12% 0% 9% 9% 21% 24% 18% 61% 36% 58% Thanachart 3% 6% 6% 6% 6% 28% 22% 19% 16% 19% 38% 16% 75% 25% EASY BUY * Only choose brands with significant shares (>30 users)
11 THAI PEOPLE MOSTLY APPLY FOR CONSUMER LOANS TO BUY MOBILE PHONE, HOUSE, AND ELECTRONIC APPLIANCES What did you buy with the consumer loans? (by city) N = 426 N = 244 N = 182 14% 12% 15% 26% 30% 38% 60% Others Furniture Vehicle Computer Electronic household appliance House Mobile phone Total 10% 13% 18% 28% 30% 36% 58% Bangkok 18% 9% 11% 24% 30% 41% 63% Others
12 KRUNGTHAI USERS USUALLY BUY COMPUTERS WITH THEIR LOANS What did you buy with the consumer loans? (top 6 service providers, 1st to 3rd) N = 351* N = 117 N = 80 N = 48 11% 12% 15% 28% 30% 37% 62% Others Furniture Vehicle Computer Electronic household appliance House Mobile phone Total 8% 8% 9% 29% 14% 22% 68% Krungthai 14% 15% 10% 35% 55% 59% 76% Aeon 2% 8% 21% 23% 23% 33% 58% Siam Commercials * Only choose brands with significant shares (>30 users)
13 THAI MOSTLY USE THEIR CONSUMER LOANS TO BUY MOBILE PHONE, HOUSE, AND ELECTRONIC APPLIANCES What did you buy with the consumer loans? (top 6 service providers, 4th to 6th) N = 351* N = 41 N = 33 N = 32 * Only choose brands with significant shares (>30 users) 11% 12% 15% 28% 30% 37% 62% Others Furniture Vehicle Computer Electronic household appliance House Mobile phone Total 12% 24% 34% 24% 34% 46% 49% Krungsri 9% 9% 21% 33% 36% 42% 39% Thanachart 28% 9% 6% 16% 25% 28% 56% EASY BUY
14 95% OF CONSUMER LOANS IN THAILAND ARE INSTALLMENT CONSUMER LOANS What kind of consumer loans do you often get? (by city) N = 426 N = 244 N = 182 0% 11% 13% 95% Others Noninstallment consumer loan Revolving consumer credit Installment consumer loan Total 1% 15% 11% 96% Bangkok 0% 5% 15% 93% Others Installment consumer loan: a loan that is paid overtime with a set number of scheduled payments Revolving consumer credit: a loan that allows to be withdrawn, repaid later, then redrawn again, e.g. credit card Non-installment consumer loan: a loan that is paid fully in a single payment after a period of time
15 95% OF CONSUMER LOANS IN THAILAND ARE INSTALLMENT CONSUMER LOANS What kind of consumer loans do you often get? (top 6 service provider, 1st to 3rd) N = 351* N = 117 N = 80 N = 48 * Only choose brands with significant shares (>30 users) 1% 12% 13% 95% Others Noninstallment consumer loan Revolving consumer credit Installment consumer loan Total 2% 19% 6% 97% Krungthai 0% 6% 23% 98% Aeon 0% 8% 13% 94% Siam Commercials Installment consumer loan: a loan that is paid overtime with a set number of scheduled payments Revolving consumer credit: a loan that allows to be withdrawn, repaid later, then redrawn again, e.g. credit card Non-installment consumer loan: a loan that is paid fully in a single payment after a period of time
16 95% OF CONSUMER LOANS IN THAILAND ARE INSTALLMENT CONSUMER LOANS What kind of consumer loans do you often get? (top 6 service provider, 4th to 6th) N = 351* * Only choose brands with significant shares (>30 users) N = 41 N = 33 N = 32 1% 12% 13% 95% Others Noninstallment consumer loan Revolving consumer credit Installment consumer loan Total 0% 17% 12% 93% Krungsri 0% 6% 18% 91% Thanachart 0% 6% 16% 91% EASY BUY
17 MOST CONSUMER LOANS ARE SMALL JUST UNDER 500$ FOR EACH LOAN How much did you get in your most recent installment loan? (by city) N = 426 N = 244 N = 182 1% 1% 1% 1% 6% 13% 28% 49% Over $10000 $5000.1 - $10000 $2500.1 - $5000 $1500.1 - $2500 $1000.1 - $1500 $500.1 - $1000 $250.1 - $500 Under $250 Total 1% 1% 1% 2% 9% 17% 29% 41% Bangkok 1% 1% 1% 0% 2% 7% 27% 60% Others
18 THE MORE HOUSEHOLD INCOME IS, THE MORE VALUABLE LOANS ARE How much did you get in your most recent installment loan? (by household income) N = 329* N = 154 N = 29**N = 28** N = 118 1% 0% 0% 0% 7% 2% 0% 0% 1% 14% 1% 0% 0% 2% 3% 1% 0% 1% 2% 3% 6% 0% 3% 8% 21% 13% 7% 6% 21% 28% 31% 46% 34% 26% 17% 46% 46% 57% 40% 7% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Under $210 $210.001 to $500 $500.001 to $1400 Over $1400 Under $250 $250.1 - $500 $500.1 - $1000 $1000.1 - $1500 $1500.1 - $2500 $2500.1 - $5000 $5000.1 - $10000 Over $10000 Mean value apply for loan of each income group $604 $309 $316 $594 $2465 * “blanks” and "I don't remember“ answers are filtered out ** small sample size Household income → Loan value ↓
19 0% 1% 1% 1% 7% 12% 30% 48% Over $10000 $5000.1 - $10000 $2500.1 - $5000 $1500.1 - $2500 $1000.1 - $1500 $500.1 - $1000 $250.1 - $500 Under $250 Total 1% 2% 1% 3% 9% 15% 32% 38% Krungthai 0% 0% 0% 0% 5% 9% 20% 66% Aeon 0% 4% 2% 0% 4% 6% 52% 31% Siam Commercials AEON IS CHOSEN FOR SMALL LOAN VALUE UNDER $250 WHILE SIAM COMMERCIALS BANK IS PREFERRED FOR $250 ~$500 How much did you get in your most recent installment loan? (top 6 service providers, 1st to 3rd) N = 351* N = 117 N = 80 N = 48 * Only choose brands with significant shares (>30 users)
20 MOST CONSUMER LOANS ARE SMALL, JUST UNDER 500$ FOR EACH LOAN How much did you get in your most recent installment loan? (top 6 service providers, 4th to 6th) 0% 1% 1% 1% 7% 12% 30% 48% Over $10000 $5000.1 - $10000 $2500.1 - $5000 $1500.1 - $2500 $1000.1 - $1500 $500.1 - $1000 $250.1 - $500 Under $250 Total N = 351* N = 41 N = 33 N = 32 * Only choose brands with significant shares (>30 users) 0% 2% 0% 0% 10% 15% 22% 51% Krungsri 0% 0% 0% 0% 9% 21% 30% 39% Thanachart 0% 0% 0% 0% 0% 6% 28% 66% EASY BUY
21 TYPICAL INSTALLMENT TERM IS BETWEEN 6 AND 12 MONTHS How long is the installment term of your most recent loan? (by city) N = 426 N = 244 N = 182 2% 8% 4% 5% 2% 2% 32% 12% 25% 7% Others Over 36 months 36 months 24 months 18 months 15 months 12 months 9 months 6 months 3 months Total 0% 8% 5% 2% 2% 2% 29% 16% 27% 9% Bangkok 5% 9% 4% 8% 2% 1% 36% 8% 22% 4% Others
22 MOST AEON CUSTOMER LOANS HAS 12-MONTH TERM How long is the installment term of your most recent loan? (top 6 service providers, 1st to 3rd) 2% 7% 4% 5% 1% 2% 31% 13% 25% 8% Others Over 36 months 36 months 24 months 18 months 15 months 12 months 9 months 6 months 3 months Total 2% 12% 3% 2% 0% 3% 23% 14% 28% 14% Krungthai 1% 1% 4% 10% 4% 0% 56% 9% 10% 5% Aeon 0% 4% 8% 2% 0% 0% 29% 17% 31% 8% Siam Commercials N = 426 N = 117 N = 80 N = 48
23 EASY BUY SERVICE USERS USUALLY TAKE LONG-TERM LOANS(12 OR 24 MONTHS) How long is the installment term of your most recent loan? (top 6 service providers, 4th to 6th) N = 426 N = 41 N = 33 2% 7% 4% 5% 1% 2% 31% 13% 25% 8% Others Over 36 months 36 months 24 months 18 months 15 months 12 months 9 months 6 months 3 months Total N = 32 7% 10% 5% 2% 2% 2% 12% 17% 34% 7% Krungsri 0% 6% 6% 0% 3% 6% 21% 15% 42% 0% Thanachart 6% 9% 3% 22% 0% 0% 31% 6% 16% 6% EASY BUY
24 BY OFFERING GIFTS, VOUCHERS AND DISCOUNTS SERVICE PROVIDER WOULD BE ABLE TO ATTRACT CONSUMER MORE Which benefits attached with consumer loans you would like to be offered? (by city) N = 426 N = 244 N = 182 6% 14% 16% 24% 34% 42% 47% Others Lucky spin Money collecting at home Free shipping Bundled special packaged Buy other products with preferential price Gifts, vouchers Total 3% 16% 21% 23% 39% 33% 44% Bangkok 9% 12% 10% 24% 28% 55% 51% Others
25 6% 14% 17% 23% 33% 39% 44% Others Lucky spin Money collecting at home Free shipping Bundled special packaged Buy other products with preferential price Gifts, vouchers Total 4% 15% 31% 19% 35% 21% 33% Krungthai 11% 15% 9% 28% 29% 60% 50% Aeon 2% 6% 13% 17% 38% 35% 56% Siam Commercials AEON USERS PREFER DISCOUNTS WHILE SIAM COMMERCIAL USERS LIKE GIFTS, VOUCHERS MORE Which benefits attached with consumer loans you would like to be offered? (top 6 service providers, 1st to 3rd) N = 426 N = 117 N = 80 N = 48
26 THANACHART USERS LIKE TO GET DISCOUNTS WHILE EASY BUY USERS PREFER GIFTS AND VOUCHERS Which benefits attached with consumer loans you would like to be offered? (top 6 service providers, 4th to 6th) N = 426 N = 41 N = 33 N = 32 6% 14% 17% 23% 33% 39% 44% Others Lucky spin Money collecting at home Free shipping Bundled special packaged Buy other products with preferential price Gifts, vouchers Total 0% 12% 17% 34% 44% 49% 51% Krungsri 0% 24% 9% 21% 36% 42% 36% Thanachart 16% 9% 3% 22% 16% 44% 50% EASY BUY
27 1% 2% 0% 0% 0% 0% 0%1% 2% 0% 0% 0% 0% 3% 15% 17% 18% 15% 12% 10% 28% 52% 28% 45% 58% 63% 74% 66% 31% 51% 36% 27% 24% 16% 3% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Krungthai Thanachart Siam Commercials Krungsri Aeon EASY BUY Very satisfied Satisfied Normal Unsatisfied Very unsatisfied OVERALL, 83% FEEL SATISFIED WITH THEIR CURRENT CUSTOMER LOAN SERVICE PROVIDERS How satisfied are you with your current consumer loan service? (top 6 service providers) N = 426 N = 117 N = 80 N = 48 Krungthai gains highest top box customers’ satisfaction level N = 41 N = 33 N = 32
28 27% ARE LOYAL TO THEIR SERVICE PROVIDER What is your usage intention toward this consumer loan service provider in the future? (by city) N = 426 N = 244 N = 182 6% 7% 5% 20% 16% 25% 25% 27% 23% 22% 19% 25% 27% 30% 23% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Bangkok Others I will use this service only I will prefer using this service in priority I will use this service parallel with other service I will continue use this service, but I will use other in the future I will switch to other service
29 6% 3% 0% 10% 4% 8% 19% 20% 15% 21% 15% 25% 25% 19% 25% 21% 21% 27% 17% 29% 34% 22% 11% 30% 29% 35% 24% 16% 27% 50% 27% 20% 19% 15% 13% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Krungthai Thanachart Krungsri Siam Commercials Aeon EASY BUY I will use this service only I will prefer using this service in priority I will use this service parallel with other service I will continue use this service, but I will use other in the future I will switch to other service KRUNGTHAI OWNS THE HIGHEST CONSUMER’S LOYALTY LEVEL, WHILE 19% OF EASY BUY USERS WILL SWITCH TO OTHER BRANDS What is your usage intention toward this consumer loan service provider in the future? (top 6 service providers) N = 426 N = 117 N = 80 N = 48 N = 41 N = 33 N = 32
30 1% 2% 0% 0% 0% 0% 0% 4% 3% 0% 2% 7% 6% 9% 27% 27% 30% 40% 20% 24% 31% 39% 22% 30% 31% 46% 55% 50% 29% 46% 39% 27% 27% 15% 9% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Krungthai Thanachart Siam Commercials Krungsri Aeon EASY BUY I will recommend definitely I will recommend I may recommend or may not I will not recommend I will not recommend definitely OVERALL, 68% WILL RECOMMEND THE PROVIDER TO THEIR FRIEND What’s your ability to recommend your current provider to your friends/relatives? (top 6 service providers) N = 426 N = 117 N = 80 N = 48 N = 41 N = 33 N = 32 Krungthai has highest top box recommendation level for consumers
31 GENERALLY, HIGH INTEREST RATE, BAD CUSTOMER SERVICE, AND COMPLICATED REGISTRATION PROCEDURE ARE MAKING CUSTOMERS UNHAPPY What makes you unhappy about your current customer loan service provider? (top 6 service providers, 1st to 3rd) N = 351* N = 117 N = 80 N = 48 10% 12% 13% 19% 21% 23% 28% 32% 35% 40% Others Sparse POS network Unenthusiastic consultant Low approving time Not many promotions Unclear loan policy High service fee Complicated register procedure Customer service is not good High interest Total 5% 7% 11% 13% 12% 21% 18% 34% 50% 26% Krungthai 11% 26% 21% 36% 35% 29% 45% 40% 26% 59% Aeon 17% 13% 10% 19% 27% 21% 25% 29% 27% 31% Siam Commercials Krungthai users mostly complain about customer services, while Aeon loans have high interest rate and service fee
32 EASY BUY CUSTOMER LOAN SERVICE IS SAID TO HAVE HIGH INTEREST RATE AND SERVICE FEE What makes you unhappy about your current customer loan service provider? (top 6 service providers, 1st to 3rd) N = 426 N = 41 N = 33 N = 32 10% 12% 13% 19% 21% 23% 28% 32% 35% 40% Others Sparse POS network Unenthusiastic consultant Low approving time Not many promotions Unclear loan policy High service fee Complicated register procedure Customer service is not good High interest Total 15% 2% 10% 10% 20% 27% 29% 27% 37% 39% Krungsri 3% 6% 12% 24% 18% 33% 18% 33% 36% 39% Thanachart 16% 16% 9% 6% 19% 9% 41% 9% 13% 63% EASY BUY
33 77% HAVE PAWNED THEIR PROPERTIES AT LEAST ONCE Have you ever put something in a pawn shop? (by city) N = 426 N = 244 N = 182 23% 18% 29% 77% 82% 71% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Bangkok Others Yes No
34 MOSTLY MOBILE PHONES, MOTORBIKES, AND CARS ARE PUT IN TO PAWN SHOP What did you put into pawn shops? (by city) N = 330* N = 200 N = 130 31% 1% 8% 12% 17% 23% 35% Others I have never put something in pawn Certificate of house/land ownership Laptop Car Motorbike Mobile phone Total 23% 2% 7% 13% 24% 27% 32% Bangkok 42% 0% 10% 9% 6% 17% 41% Others Respondents living in cities other than Bangkok pawn their mobile phones the most * Only users that have ever put anything in pawn shop is counted in this question
35 THE MORE INCOME, THE MORE VALUABLE THEIR PAWNED PROPERTY What did you put into pawn shops? (by household income) N = 329* N = 28** N = 154 * Only users that have ever put anything in pawn shop is counted in this question; blanks” and "I don't remember“ answers for income are filtered out ** small sample size 30% 1% 8% 11% 17% 23% 35% Others I have never put something in pawn Certificate of house/land ownership Laptop Car Motorbike Mobile phone Total 25% 0% 0% 11% 18% 36% 36% Under 210 USD 37% 1% 5% 7% 12% 14% 42% 210.001 to 500 USD 28% 2% 9% 15% 19% 26% 27% 500.001 to 1400 USD 10% 0% 28% 17% 38% 45% 31% Over 1400 USD N = 118 N = 29**
36 18% 25% 22% 14% 7% 82% 75% 78% 86% 93% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Under 210 USD 210.001 to 500 USD 500.001 to 1400 USD Over 1400 USD Yes No Have you ever get a high interest rate loans at pawn shops/lenders? (by household income) 82% HAVE APPLIED AT LEAST ONCE FOR A HIGH INTEREST RATE LOAN N = 329* N = 28** N = 154 * Only users that have ever put anything in pawn shop is counted in this question; ** small sample size N = 118 N = 29** Interestingly, the higher income, the more likely Thai people are to take on high interest loans
37 CONTACT US • 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 (COO - 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. Pimparima Piriyametha (Business Analyst - DI Marketing) o Email: pimparima.p@di-mktg.com o Contact number: +66 96 245 3656
38 CONTACT US • Indonesia: o Address: Jalan Prof Dr Satrio Kav 18, 45th floor AXA Tower, Jakarta 12940, Indonesia o Contact person: Mr. Hendry Pratama (CMO – Country Manager) o Email: hendry.p@di-mktg.com o Contact number: +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
39

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Consumer Loans Usage In Thailand

  • 1.
    STUDY ON CONSUMERLOANS MARKET IN THAILAND BY DI-MARKETING (www.di-onlinesurvey.com) November, 2016
  • 2.
    1 SCOPE OF WORK This survey was conducted to study about consumer loans market in Thailand  Consumer loan definition: a loan that is lent to customers for personal, family, or household purposes. The loan is usually unsecured and is based solely on borrower’s integrity and ability to pay.  Methodology: Online survey  Fieldwork time: 10 days (10/10/2016 to 20/10/2016)  Sample size: N = 569  Geography: Nationwide
  • 3.
    2 KEY FINDINGS • Krungthai,Siam Commercials, and Krungsri are the most well-known banks in Thailand • Ads on TV, Facebook and webs/forums are the main sources of awareness for consumer loan services • 75% of Thai online population have used consumer loan services in Thailand, in which Krungthai and Aeon are market leaders • Most choose their services based on reliability and simple registration • Thai people mostly apply for consumer loans to buy mobile phone, house, and electronic appliances • 95% of consumer loans in Thailand are installment consumer loans • Most consumer loans are small, just under $250 for each loan • Typical installment term is between 6 and 12 months • Gifts, vouchers, and discounts for other products are the preferred promotions to be coupled with consumer loan services • Overall, 83% respondents feel satisfied with their current customer loan services provider • Krungthai has the highest loyalty rate with 50% while 19% of EASY BUY users (top 6 consumer loan service provider in term of market size) will switch to another provider • Generally, high interest rate, bad customer service, and complicated registration procedure are making customers unhappy • 77% have pawned their properties at least once • The higher income, the more valuable their pawned properties • 82% have at least once take on a high interest rate loan
  • 4.
    3 DEMOGRAPHIC INFORMATION Age Gender N= 569 Living Place Occupation 19% 23% 20% 38% Over 35 30-35 26-30 Under 18-25 60% 40% Female Male 46% 54% Others Bangkok 6% 4% 4% 5% 7% 7% 10% 57% Others Engineer/Doctor/Teacher Factory Worker Job seeker/Retired Housewife Self-employed Student Officer
  • 5.
    4 KRUNGTHAI, SIAM COMMERCIALS,AND KRUNGSRI ARE THE MOST WELL-KNOWN BANKS IN THAILAND Do you know any consumer loan service providers listed below? 7% 5% 22% 30% 32% 33% 37% 38% 42% 44% 52% 52% 56% 59% 72% Others AIRA & AIFUL Standard Chartered CIMB UOB TMB KTC Krungthep bank Citi Bank EASY BUY Thanachart Aeon Krungsri Siam Commercials Krungthai Total 4% 5% 24% 30% 31% 31% 36% 37% 41% 36% 50% 45% 50% 56% 72% Bangkok 10% 5% 20% 29% 34% 35% 38% 40% 43% 52% 54% 61% 63% 63% 73% Others N = 569 N = 309 N = 260
  • 6.
    5 ADS ON TV,FACEBOOK AND WEBS/FORUMS ARE THE MAIN SOURCES OF AWARENESS FOR CONSUMER LOAN SERVICES How do you know about these providers? N = 569 N = 309 N = 260 30% 5% 5% 10% 20% 23% 25% 26% 45% 49% 74% Others Consultancy of salesman Consultancy of staffs of financial companies at sales points I know through sms advertising messages/ email Poster, flyer In/ Out of home ads Friends/relatives' suggestion See others use these brands Web, forum ads Facebook ads TV ads Total 24% 5% 6% 9% 16% 23% 20% 21% 37% 48% 77% Bangkok 38% 5% 5% 12% 24% 23% 30% 32% 54% 50% 72% Others
  • 7.
    6 75% HAVE USEDCONSUMER LOAN SERVICE Have you ever used consumer loan service? N = 569 N = 309 N = 260 25% 21% 30% 75% 79% 70% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Bangkok Others Yes No
  • 8.
    7 PEOPLE DO NOTUSE CONSUMER LOAN SERVICES BECAUSE THEY HAVE NO DEMAND Why haven’t you used any consumer loan services? N = 143* N = 78 N = 65 3% 1% 2% 3% 4% 8% 14% 64% Others Complicating procedure High service fee I cannot prove my income High interest Cannot control my consumption Be concerned about paying debt ability I have no demand Total 3% 2% 3% 3% 8% 6% 17% 58% Bangkok 4% 1% 1% 3% 1% 10% 12% 68% Others * Only asking respondents that haven’t used any consumer loan service
  • 9.
    8 KRUNGTHAI AND AEONARE THE MARKET LEADERS OF CONSUMER LOAN INDUSTRY IN THAILAND Which consumer loan service provider do you the most? (by city) N = 426 N = 244 N = 182 3% 1% 1% 1% 2% 2% 3% 5% 8% 8% 10% 11% 19% 27% Others Standard Chartered UOB CIMB Krungthep bank TMB Citi Bank KTC EASY BUY Thanachart Krungsri Siam Commercials Aeon Krungthai Total 2% 1% 1% 1% 1% 2% 3% 3% 5% 10% 10% 11% 14% 35% Bangkok 5% 1% 0% 1% 3% 2% 2% 8% 10% 5% 9% 11% 25% 17% Others Cities other than Bangkok uses Aeon more than Krungthai
  • 10.
    9 MOST CHOOSE THEIRSERVICE BASED ON RELIABILITY AND SIMPLE REGISTRATION Why do choose to use the service from that provider? (top 6 service providers, 1st to 3rd) N = 351* N = 117 N = 80 Krungthai and Siam Commercials offer good customer service, while fast approving time is the strength of Aeon 2% 4% 5% 6% 11% 13% 15% 17% 17% 19% 24% 32% 40% 62% Others Enthusiastic consultant Don't need to mortgage Salesman suggestion Low service fee Friends/ relatives… Have many promotions Extentive POS network Clear and simple loan policy Low interest Fast approving time Good customer service Simple registration procedure Reliable Total 3% 3% 1% 2% 5% 2% 5% 8% 11% 9% 9% 33% 20% 79% Krungthai 4% 4% 13% 8% 20% 30% 25% 29% 18% 30% 49% 21% 65% 46% Aeon 0% 0% 4% 6% 6% 6% 10% 19% 17% 17% 13% 31% 25% 73% Siam Commercials N = 48 * Only choose brands with significant shares (>30 users)
  • 11.
    10 MOST CHOOSE THEIRSERVICE BASED ON RELIABILITY AND SIMPLE REGISTRATION Why do choose to use the service from that provider? (top 6 service providers, 4th to 6th) N = 351* N = 41 N = 33 Thanachart has good consumer service while EAST BUY’s approving time is fast 2% 4% 5% 6% 11% 13% 15% 17% 17% 19% 24% 32% 40% 62% Others Enthusiastic consultant Don't need to mortgage Salesman suggestion Low service fee Friends/ relatives… Have many promotions Extentive POS network Clear and simple loan policy Low interest Fast approving time Good customer service Simple registration procedure Reliable Total N = 32 0% 10% 2% 12% 20% 15% 27% 20% 32% 27% 29% 39% 46% 68% Krungsri 0% 6% 0% 9% 12% 0% 9% 9% 21% 24% 18% 61% 36% 58% Thanachart 3% 6% 6% 6% 6% 28% 22% 19% 16% 19% 38% 16% 75% 25% EASY BUY * Only choose brands with significant shares (>30 users)
  • 12.
    11 THAI PEOPLE MOSTLYAPPLY FOR CONSUMER LOANS TO BUY MOBILE PHONE, HOUSE, AND ELECTRONIC APPLIANCES What did you buy with the consumer loans? (by city) N = 426 N = 244 N = 182 14% 12% 15% 26% 30% 38% 60% Others Furniture Vehicle Computer Electronic household appliance House Mobile phone Total 10% 13% 18% 28% 30% 36% 58% Bangkok 18% 9% 11% 24% 30% 41% 63% Others
  • 13.
    12 KRUNGTHAI USERS USUALLYBUY COMPUTERS WITH THEIR LOANS What did you buy with the consumer loans? (top 6 service providers, 1st to 3rd) N = 351* N = 117 N = 80 N = 48 11% 12% 15% 28% 30% 37% 62% Others Furniture Vehicle Computer Electronic household appliance House Mobile phone Total 8% 8% 9% 29% 14% 22% 68% Krungthai 14% 15% 10% 35% 55% 59% 76% Aeon 2% 8% 21% 23% 23% 33% 58% Siam Commercials * Only choose brands with significant shares (>30 users)
  • 14.
    13 THAI MOSTLY USETHEIR CONSUMER LOANS TO BUY MOBILE PHONE, HOUSE, AND ELECTRONIC APPLIANCES What did you buy with the consumer loans? (top 6 service providers, 4th to 6th) N = 351* N = 41 N = 33 N = 32 * Only choose brands with significant shares (>30 users) 11% 12% 15% 28% 30% 37% 62% Others Furniture Vehicle Computer Electronic household appliance House Mobile phone Total 12% 24% 34% 24% 34% 46% 49% Krungsri 9% 9% 21% 33% 36% 42% 39% Thanachart 28% 9% 6% 16% 25% 28% 56% EASY BUY
  • 15.
    14 95% OF CONSUMERLOANS IN THAILAND ARE INSTALLMENT CONSUMER LOANS What kind of consumer loans do you often get? (by city) N = 426 N = 244 N = 182 0% 11% 13% 95% Others Noninstallment consumer loan Revolving consumer credit Installment consumer loan Total 1% 15% 11% 96% Bangkok 0% 5% 15% 93% Others Installment consumer loan: a loan that is paid overtime with a set number of scheduled payments Revolving consumer credit: a loan that allows to be withdrawn, repaid later, then redrawn again, e.g. credit card Non-installment consumer loan: a loan that is paid fully in a single payment after a period of time
  • 16.
    15 95% OF CONSUMERLOANS IN THAILAND ARE INSTALLMENT CONSUMER LOANS What kind of consumer loans do you often get? (top 6 service provider, 1st to 3rd) N = 351* N = 117 N = 80 N = 48 * Only choose brands with significant shares (>30 users) 1% 12% 13% 95% Others Noninstallment consumer loan Revolving consumer credit Installment consumer loan Total 2% 19% 6% 97% Krungthai 0% 6% 23% 98% Aeon 0% 8% 13% 94% Siam Commercials Installment consumer loan: a loan that is paid overtime with a set number of scheduled payments Revolving consumer credit: a loan that allows to be withdrawn, repaid later, then redrawn again, e.g. credit card Non-installment consumer loan: a loan that is paid fully in a single payment after a period of time
  • 17.
    16 95% OF CONSUMERLOANS IN THAILAND ARE INSTALLMENT CONSUMER LOANS What kind of consumer loans do you often get? (top 6 service provider, 4th to 6th) N = 351* * Only choose brands with significant shares (>30 users) N = 41 N = 33 N = 32 1% 12% 13% 95% Others Noninstallment consumer loan Revolving consumer credit Installment consumer loan Total 0% 17% 12% 93% Krungsri 0% 6% 18% 91% Thanachart 0% 6% 16% 91% EASY BUY
  • 18.
    17 MOST CONSUMER LOANSARE SMALL JUST UNDER 500$ FOR EACH LOAN How much did you get in your most recent installment loan? (by city) N = 426 N = 244 N = 182 1% 1% 1% 1% 6% 13% 28% 49% Over $10000 $5000.1 - $10000 $2500.1 - $5000 $1500.1 - $2500 $1000.1 - $1500 $500.1 - $1000 $250.1 - $500 Under $250 Total 1% 1% 1% 2% 9% 17% 29% 41% Bangkok 1% 1% 1% 0% 2% 7% 27% 60% Others
  • 19.
    18 THE MORE HOUSEHOLDINCOME IS, THE MORE VALUABLE LOANS ARE How much did you get in your most recent installment loan? (by household income) N = 329* N = 154 N = 29**N = 28** N = 118 1% 0% 0% 0% 7% 2% 0% 0% 1% 14% 1% 0% 0% 2% 3% 1% 0% 1% 2% 3% 6% 0% 3% 8% 21% 13% 7% 6% 21% 28% 31% 46% 34% 26% 17% 46% 46% 57% 40% 7% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Under $210 $210.001 to $500 $500.001 to $1400 Over $1400 Under $250 $250.1 - $500 $500.1 - $1000 $1000.1 - $1500 $1500.1 - $2500 $2500.1 - $5000 $5000.1 - $10000 Over $10000 Mean value apply for loan of each income group $604 $309 $316 $594 $2465 * “blanks” and "I don't remember“ answers are filtered out ** small sample size Household income → Loan value ↓
  • 20.
    19 0% 1% 1% 1% 7% 12% 30% 48% Over $10000 $5000.1 -$10000 $2500.1 - $5000 $1500.1 - $2500 $1000.1 - $1500 $500.1 - $1000 $250.1 - $500 Under $250 Total 1% 2% 1% 3% 9% 15% 32% 38% Krungthai 0% 0% 0% 0% 5% 9% 20% 66% Aeon 0% 4% 2% 0% 4% 6% 52% 31% Siam Commercials AEON IS CHOSEN FOR SMALL LOAN VALUE UNDER $250 WHILE SIAM COMMERCIALS BANK IS PREFERRED FOR $250 ~$500 How much did you get in your most recent installment loan? (top 6 service providers, 1st to 3rd) N = 351* N = 117 N = 80 N = 48 * Only choose brands with significant shares (>30 users)
  • 21.
    20 MOST CONSUMER LOANSARE SMALL, JUST UNDER 500$ FOR EACH LOAN How much did you get in your most recent installment loan? (top 6 service providers, 4th to 6th) 0% 1% 1% 1% 7% 12% 30% 48% Over $10000 $5000.1 - $10000 $2500.1 - $5000 $1500.1 - $2500 $1000.1 - $1500 $500.1 - $1000 $250.1 - $500 Under $250 Total N = 351* N = 41 N = 33 N = 32 * Only choose brands with significant shares (>30 users) 0% 2% 0% 0% 10% 15% 22% 51% Krungsri 0% 0% 0% 0% 9% 21% 30% 39% Thanachart 0% 0% 0% 0% 0% 6% 28% 66% EASY BUY
  • 22.
    21 TYPICAL INSTALLMENT TERMIS BETWEEN 6 AND 12 MONTHS How long is the installment term of your most recent loan? (by city) N = 426 N = 244 N = 182 2% 8% 4% 5% 2% 2% 32% 12% 25% 7% Others Over 36 months 36 months 24 months 18 months 15 months 12 months 9 months 6 months 3 months Total 0% 8% 5% 2% 2% 2% 29% 16% 27% 9% Bangkok 5% 9% 4% 8% 2% 1% 36% 8% 22% 4% Others
  • 23.
    22 MOST AEON CUSTOMERLOANS HAS 12-MONTH TERM How long is the installment term of your most recent loan? (top 6 service providers, 1st to 3rd) 2% 7% 4% 5% 1% 2% 31% 13% 25% 8% Others Over 36 months 36 months 24 months 18 months 15 months 12 months 9 months 6 months 3 months Total 2% 12% 3% 2% 0% 3% 23% 14% 28% 14% Krungthai 1% 1% 4% 10% 4% 0% 56% 9% 10% 5% Aeon 0% 4% 8% 2% 0% 0% 29% 17% 31% 8% Siam Commercials N = 426 N = 117 N = 80 N = 48
  • 24.
    23 EASY BUY SERVICEUSERS USUALLY TAKE LONG-TERM LOANS(12 OR 24 MONTHS) How long is the installment term of your most recent loan? (top 6 service providers, 4th to 6th) N = 426 N = 41 N = 33 2% 7% 4% 5% 1% 2% 31% 13% 25% 8% Others Over 36 months 36 months 24 months 18 months 15 months 12 months 9 months 6 months 3 months Total N = 32 7% 10% 5% 2% 2% 2% 12% 17% 34% 7% Krungsri 0% 6% 6% 0% 3% 6% 21% 15% 42% 0% Thanachart 6% 9% 3% 22% 0% 0% 31% 6% 16% 6% EASY BUY
  • 25.
    24 BY OFFERING GIFTS,VOUCHERS AND DISCOUNTS SERVICE PROVIDER WOULD BE ABLE TO ATTRACT CONSUMER MORE Which benefits attached with consumer loans you would like to be offered? (by city) N = 426 N = 244 N = 182 6% 14% 16% 24% 34% 42% 47% Others Lucky spin Money collecting at home Free shipping Bundled special packaged Buy other products with preferential price Gifts, vouchers Total 3% 16% 21% 23% 39% 33% 44% Bangkok 9% 12% 10% 24% 28% 55% 51% Others
  • 26.
    25 6% 14% 17% 23% 33% 39% 44% Others Lucky spin Money collectingat home Free shipping Bundled special packaged Buy other products with preferential price Gifts, vouchers Total 4% 15% 31% 19% 35% 21% 33% Krungthai 11% 15% 9% 28% 29% 60% 50% Aeon 2% 6% 13% 17% 38% 35% 56% Siam Commercials AEON USERS PREFER DISCOUNTS WHILE SIAM COMMERCIAL USERS LIKE GIFTS, VOUCHERS MORE Which benefits attached with consumer loans you would like to be offered? (top 6 service providers, 1st to 3rd) N = 426 N = 117 N = 80 N = 48
  • 27.
    26 THANACHART USERS LIKETO GET DISCOUNTS WHILE EASY BUY USERS PREFER GIFTS AND VOUCHERS Which benefits attached with consumer loans you would like to be offered? (top 6 service providers, 4th to 6th) N = 426 N = 41 N = 33 N = 32 6% 14% 17% 23% 33% 39% 44% Others Lucky spin Money collecting at home Free shipping Bundled special packaged Buy other products with preferential price Gifts, vouchers Total 0% 12% 17% 34% 44% 49% 51% Krungsri 0% 24% 9% 21% 36% 42% 36% Thanachart 16% 9% 3% 22% 16% 44% 50% EASY BUY
  • 28.
    27 1% 2% 0%0% 0% 0% 0%1% 2% 0% 0% 0% 0% 3% 15% 17% 18% 15% 12% 10% 28% 52% 28% 45% 58% 63% 74% 66% 31% 51% 36% 27% 24% 16% 3% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Krungthai Thanachart Siam Commercials Krungsri Aeon EASY BUY Very satisfied Satisfied Normal Unsatisfied Very unsatisfied OVERALL, 83% FEEL SATISFIED WITH THEIR CURRENT CUSTOMER LOAN SERVICE PROVIDERS How satisfied are you with your current consumer loan service? (top 6 service providers) N = 426 N = 117 N = 80 N = 48 Krungthai gains highest top box customers’ satisfaction level N = 41 N = 33 N = 32
  • 29.
    28 27% ARE LOYALTO THEIR SERVICE PROVIDER What is your usage intention toward this consumer loan service provider in the future? (by city) N = 426 N = 244 N = 182 6% 7% 5% 20% 16% 25% 25% 27% 23% 22% 19% 25% 27% 30% 23% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Bangkok Others I will use this service only I will prefer using this service in priority I will use this service parallel with other service I will continue use this service, but I will use other in the future I will switch to other service
  • 30.
    29 6% 3% 0% 10% 4% 8% 19% 20% 15% 21% 15%25% 25% 19% 25% 21% 21% 27% 17% 29% 34% 22% 11% 30% 29% 35% 24% 16% 27% 50% 27% 20% 19% 15% 13% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Krungthai Thanachart Krungsri Siam Commercials Aeon EASY BUY I will use this service only I will prefer using this service in priority I will use this service parallel with other service I will continue use this service, but I will use other in the future I will switch to other service KRUNGTHAI OWNS THE HIGHEST CONSUMER’S LOYALTY LEVEL, WHILE 19% OF EASY BUY USERS WILL SWITCH TO OTHER BRANDS What is your usage intention toward this consumer loan service provider in the future? (top 6 service providers) N = 426 N = 117 N = 80 N = 48 N = 41 N = 33 N = 32
  • 31.
    30 1% 2% 0%0% 0% 0% 0% 4% 3% 0% 2% 7% 6% 9% 27% 27% 30% 40% 20% 24% 31% 39% 22% 30% 31% 46% 55% 50% 29% 46% 39% 27% 27% 15% 9% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Krungthai Thanachart Siam Commercials Krungsri Aeon EASY BUY I will recommend definitely I will recommend I may recommend or may not I will not recommend I will not recommend definitely OVERALL, 68% WILL RECOMMEND THE PROVIDER TO THEIR FRIEND What’s your ability to recommend your current provider to your friends/relatives? (top 6 service providers) N = 426 N = 117 N = 80 N = 48 N = 41 N = 33 N = 32 Krungthai has highest top box recommendation level for consumers
  • 32.
    31 GENERALLY, HIGH INTERESTRATE, BAD CUSTOMER SERVICE, AND COMPLICATED REGISTRATION PROCEDURE ARE MAKING CUSTOMERS UNHAPPY What makes you unhappy about your current customer loan service provider? (top 6 service providers, 1st to 3rd) N = 351* N = 117 N = 80 N = 48 10% 12% 13% 19% 21% 23% 28% 32% 35% 40% Others Sparse POS network Unenthusiastic consultant Low approving time Not many promotions Unclear loan policy High service fee Complicated register procedure Customer service is not good High interest Total 5% 7% 11% 13% 12% 21% 18% 34% 50% 26% Krungthai 11% 26% 21% 36% 35% 29% 45% 40% 26% 59% Aeon 17% 13% 10% 19% 27% 21% 25% 29% 27% 31% Siam Commercials Krungthai users mostly complain about customer services, while Aeon loans have high interest rate and service fee
  • 33.
    32 EASY BUY CUSTOMERLOAN SERVICE IS SAID TO HAVE HIGH INTEREST RATE AND SERVICE FEE What makes you unhappy about your current customer loan service provider? (top 6 service providers, 1st to 3rd) N = 426 N = 41 N = 33 N = 32 10% 12% 13% 19% 21% 23% 28% 32% 35% 40% Others Sparse POS network Unenthusiastic consultant Low approving time Not many promotions Unclear loan policy High service fee Complicated register procedure Customer service is not good High interest Total 15% 2% 10% 10% 20% 27% 29% 27% 37% 39% Krungsri 3% 6% 12% 24% 18% 33% 18% 33% 36% 39% Thanachart 16% 16% 9% 6% 19% 9% 41% 9% 13% 63% EASY BUY
  • 34.
    33 77% HAVE PAWNEDTHEIR PROPERTIES AT LEAST ONCE Have you ever put something in a pawn shop? (by city) N = 426 N = 244 N = 182 23% 18% 29% 77% 82% 71% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Bangkok Others Yes No
  • 35.
    34 MOSTLY MOBILE PHONES,MOTORBIKES, AND CARS ARE PUT IN TO PAWN SHOP What did you put into pawn shops? (by city) N = 330* N = 200 N = 130 31% 1% 8% 12% 17% 23% 35% Others I have never put something in pawn Certificate of house/land ownership Laptop Car Motorbike Mobile phone Total 23% 2% 7% 13% 24% 27% 32% Bangkok 42% 0% 10% 9% 6% 17% 41% Others Respondents living in cities other than Bangkok pawn their mobile phones the most * Only users that have ever put anything in pawn shop is counted in this question
  • 36.
    35 THE MORE INCOME,THE MORE VALUABLE THEIR PAWNED PROPERTY What did you put into pawn shops? (by household income) N = 329* N = 28** N = 154 * Only users that have ever put anything in pawn shop is counted in this question; blanks” and "I don't remember“ answers for income are filtered out ** small sample size 30% 1% 8% 11% 17% 23% 35% Others I have never put something in pawn Certificate of house/land ownership Laptop Car Motorbike Mobile phone Total 25% 0% 0% 11% 18% 36% 36% Under 210 USD 37% 1% 5% 7% 12% 14% 42% 210.001 to 500 USD 28% 2% 9% 15% 19% 26% 27% 500.001 to 1400 USD 10% 0% 28% 17% 38% 45% 31% Over 1400 USD N = 118 N = 29**
  • 37.
    36 18% 25% 22% 14% 7% 82% 75% 78% 86% 93% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% TotalUnder 210 USD 210.001 to 500 USD 500.001 to 1400 USD Over 1400 USD Yes No Have you ever get a high interest rate loans at pawn shops/lenders? (by household income) 82% HAVE APPLIED AT LEAST ONCE FOR A HIGH INTEREST RATE LOAN N = 329* N = 28** N = 154 * Only users that have ever put anything in pawn shop is counted in this question; ** small sample size N = 118 N = 29** Interestingly, the higher income, the more likely Thai people are to take on high interest loans
  • 38.
    37 CONTACT US • 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 (COO - 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. Pimparima Piriyametha (Business Analyst - DI Marketing) o Email: pimparima.p@di-mktg.com o Contact number: +66 96 245 3656
  • 39.
    38 CONTACT US • Indonesia: oAddress: Jalan Prof Dr Satrio Kav 18, 45th floor AXA Tower, Jakarta 12940, Indonesia o Contact person: Mr. Hendry Pratama (CMO – Country Manager) o Email: hendry.p@di-mktg.com o Contact number: +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
  • 40.