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CREDIT CARD USAGE IN VIETNAM

A study on credit card usage in Vietnam conducted by Di-Marketing in June 2017 surveyed 410 respondents aged above 18 with a personal income over $300. Key findings reveal that users typically start owning a credit card at age 25, with online payments, shopping abroad, and utility payments being the most common uses; there is also a perception of high interest rates for overdue payments. Recommendations from friends/colleagues significantly influence credit card adoption, and factors like transaction confidentiality and large ATM networks are crucial for users considering opening a credit card.

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STUDY ABOUT CREDIT CARD USAGE IN VIETNAM BY DI-MARKETING (www.di-onlinesurvey.com) Jun, 2017
1 SURVEY DESIGN  This survey was conducted to study about Credit Card Usage in Vietnam  Methodology: Online survey  Fieldwork time: 5 days (29/05/2017 – 2/06/2017)  Sample size: N = 410  Geography: Nationwide
2 RESPONDENTS SELECTION Respondents of this survey had to be qualified below criteria  Age : Above 18  Personal Income : Over $300  Occupation : Except for Pupils  Usage : Credit Card
3 KEY FINDINGS 1) Credit Card Usage Behaviors • On average, users start owning a credit card from 25 years old • Current cash withdrawal interest rate is considered acceptable • Current overdue repayment interest is considered high • Online payment (79%), Shopping abroad (65%), Pay for utility (63%) are top 3 things appropriate for using credit card • High confidential transaction, Large ATM network, Internet banking are top 3 most important things to open a credit card • Relatives/ friends/ colleagues recommendation (WOM) is the key influential factor making using credit card 2) Perception of Credit Card • Convenient for carrying, Possible for online purchase, Useful in urgent cases are top 3 advantages of credit card • Must pay interest if beyond the payment period, Annual fee, Easy to use exceed limit are top 3 disadvantages of credit card • Credit card is the best choice for payment when travelling abroad • Credit card is considered highest security comparing with other types of card (Debit, Prepaid) • 19-25 years old is considered an appropriate age to own a credit card • Businessman (90%), Office worker (90%), Government officer (82%) are considered appropriate targets to use credit card • 40% think that an individual should have 2 credit cards
4 N = 410 DEMOGRAPHIC INFORMATION GenderAge OccupationLiving Place 28% 36% 36% Over 30 26-30 18-25 43% 57% Male Female 17% 2% 3% 5% 28% 45% Other Can Tho Hai Phong Da Nang Hanoi Ho Chi Minh 8% 0% 0% 4% 6% 18% 27% 38% Other Housewife Job seeker / Retired Worker University Student Engineer / Doctor / Teacher Self-employed Office worker
5 1) Credit Card Usage Behaviors 2) Perception of Credit Card CONTENT
6 8% 6% 10% 27% 25% 28% 61% 65% 58% 2% 2% 2% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Male Female Under 18 18 - 25 26 - 30 31-35 36-40 Over 40 1% 3%1% 4%8% 30%27% 42% 42% 61% 96% 58% 20% 2% 3% 1% 1% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total 18-25 26-30 Over 30 Under 18 18 - 25 26 - 30 31-35 36-40 Over 40 ON AVERAGE, USERS START OWNING A CREDIT CARD FROM 25 YEARS OLD When did you start owning a credit card? (Comparison by Age & Gender Group) N = 410 N = 175 N = 235 18-25 group start owning a credit card from 21 years old while Over 30 group start owning credit card from 29 years old N = 410 N = 149 N = 146 N = 115 Weighted Average Age Weighted Average Age 25 y.o 21 y.o 24 y.o 29 y.o 25 y.o 24 y.o 25 y.o
7 CURRENT CASH WITHDRAWAL INTEREST RATE IS CONSIDERED ACCEPTABLE In your opinion, cash withdrawal interest rate of the current credit card is high or low? (Comparison by Age & Gender Group) N = 410 N = 175 N = 235 2% 4% 1% 2% 9% 9% 12% 5% 56% 58% 59% 51% 24% 21% 21% 31% 9% 7% 8% 10% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total 18-25 26-30 Over 30 Very high High Normal / Acceptable Low Very low 2% 2% 3% 9% 7% 11% 56% 58% 55% 24% 22% 26% 9% 11% 6% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Male Female Very high High Normal / Acceptable Low Very low N = 410 N = 149 N = 146 N = 115 Weighted Average Score Weighted Average Score 3.28 3.19 3.24 3.43 3.28 3.34 3.23
8 1% 1%3% 4% 3% 44% 45% 44% 40% 34% 44% 12% 16% 9% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Male Female Very high High Normal / Acceptable Low Very low1% 2%3% 3% 3% 3% 44% 49% 47% 35% 40% 33% 42% 46% 12% 13% 8% 17% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total 18-25 26-30 Over 30 Very high High Normal / Acceptable Low Very low 52% EVALUATED THAT THE OVERDUE REPAYMENT INTEREST IS HIGH In your opinion, overdue repayment interest of current credit card is high or low? (Comparison by Age & Gender Group) N = 410 N = 175 N = 235 Over 30 group considered overdue repayment interest is high more than other groups N = 410 N = 149 N = 146 N = 115 Weighted Average Score Weighted Average Score 3.60 3.51 3.55 3.77 3.60 3.60 3.59
9 0% 27% 28% 37% 41% 45% 55% 63% 65% 79% 0% 50% 100% Other Beauty Care (Spa, Hair Care, ...) Buying house, land Buy a car or a motorcycle Shopping essentials (shampoo, shower gel, toothpaste, ...) Buy clothes International payment (Transfer to overseas) Pay for electricity, water, Internet Traveling, shopping abroad Online payment Total 0% 26% 30% 37% 40% 40% 56% 58% 61% 77% 0% 50% 100% 18-25 1% 23% 27% 34% 38% 43% 50% 66% 59% 78% 0% 50% 100% 26-30 0% 34% 28% 39% 45% 53% 58% 65% 78% 82% 0% 50% 100% Over 30 ONLINE PAYMENT (79%), SHOPPING ABROAD (65%), UTILITY PAYMENT (63%) ARE TOP 3 THINGS APPROPRIATE FOR USING CREDIT CARD In your opinion, what should we use the credit card for? (Comparison by Age Group) N = 410 N = 149 N = 146 N = 115
10 0% 27% 28% 37% 41% 45% 55% 63% 65% 79% 0% 50% 100% Other Beauty Care (Spa, Hair Care, ...) Buying house, land Buy a car or a motorcycle Shopping essentials (shampoo, shower gel, toothpaste, ...) Buy clothes International payment (Transfer to overseas) Pay for electricity, water, Internet Traveling, shopping abroad Online payment Total 0% 15% 27% 38% 39% 39% 53% 61% 62% 78% 0% 50% 100% Male 0% 36% 29% 36% 42% 49% 56% 64% 68% 79% 0% 50% 100% Female In your opinion, what should we use the credit card for? (Comparison by Gender Group) N = 410 N = 175 N = 235 Female use credit card for buying clothes and beauty care (Spa, Hair Care, etc.) service payment more than male ONLINE PAYMENT (79%), SHOPPING ABROAD (65%), PAY FOR ELECTRICITY/ WATER (63%) ARE TOP 3 THINGS APPROPRIATE FOR USING CREDIT CARD
11 0% 8% 11% 13% 13% 14% 15% 19% 20% 21% 28% 30% 32% 32% 45% 0% 50% 100% Other Originated from foreign banks There is an SMS messaging service Low cost of ATM withdrawals Low interest rates The cost of transferring money is low The cost of opening the card is low ATM system clean / safe Term of payment (without interest) long Annual fee is low Procedure to open the card quickly Many promotions / gifts for members to open new cards There is online money transfer service (Internet Banking) Large ATM network The transaction is highly confidential Total 0% 7% 16% 13% 13% 16% 17% 23% 19% 16% 28% 31% 29% 32% 41% 0% 50% 100% 18-25 0% 8% 9% 13% 11% 12% 13% 19% 19% 18% 32% 25% 34% 36% 50% 0% 50% 100% 26-30 1% 8% 8% 11% 16% 12% 15% 14% 22% 30% 24% 37% 32% 27% 43% 0% 50% 100% Over 30 3 factors are considered most important when you decide to open a credit card at the bank? (Comparison by Age Group) N = 410 N = 149 N = 146 N = 115 18-25 group = High confidential transaction + Large ATM network + Many promotion/ 26-30 group = High confidential transaction + Large ATM network + Internet Banking/ Over 30 = High confidential transaction + Internet Banking + Many promotion HIGH CONFIDENTIAL TRANSACTION, LARGE ATM NETWORK AND INTERNET BANKING ARE TOP 3 MOST IMPORTANT THINGS TO OPEN A CREDIT CARD
12 0% 8% 11% 13% 13% 14% 15% 19% 20% 21% 28% 30% 32% 32% 45% 0% 50% 100% Other Originated from foreign banks There is an SMS messaging service Low cost of ATM withdrawals Low interest rates The cost of transferring money is low The cost of opening the card is low ATM system clean / safe Term of payment (without interest) long Annual fee is low Procedure to open the card quickly Many promotions / gifts for members to open new cards There is online money transfer service (Internet Banking) Large ATM network The transaction is highly confidential Total 0% 10% 10% 12% 14% 10% 16% 21% 16% 21% 29% 30% 30% 34% 47% 0% 50% 100% Male 0% 6% 12% 13% 12% 16% 14% 17% 23% 21% 28% 31% 33% 31% 43% 0% 50% 100% Female 3 factors are considered most important when you decide to open a credit card at the bank? (Comparison by Gender Group) N = 410 N = 175 N = 235 HIGH CONFIDENTIAL TRANSACTION, LARGE ATM NETWORK AND INTERNET BANKING ARE TOP 3 MOST IMPORTANT THINGS TO OPEN A CREDIT CARD
13 7% 5% 8% 7% 6% 7% 2% 8% 16% 16% 17% 16% 25% 20% 25% 32% 46% 52% 48% 37% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total 18-25 26-30 Over 30 Relatives / Friends / Colleagues recommend Attractive promotion See many people using See ads on TV / Newspaper / Social Network Other 7% 7% 6% 6% 5% 6% 16% 19% 14% 25% 27% 24% 46% 42% 49% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Male Female Relatives / Friends / Colleagues recommend Attractive promotion See many people using See ads on TV / Newspaper / Social Network Other RELATIVES/ FRIENDS/ COLLEAGUES RECOMMENDATION IS THE KEY INFLUENTIAL FACTOR MAKING USING CREDIT CARD What’s the main reason for choosing your current credit card? (SR) (Comparison by Age & Gender Group) N = 410 N = 175 N = 235 Over 30 group is more influenced by attractive promotion than other groups N = 410 N = 149 N = 146 N = 115
14 1) Credit Card Usage Behaviors 2) Perception of Credit Card CONTENT
15 0% 35% 37% 43% 48% 53% 62% 68% 69% 0% 50% 100% Other Comfortable use in paying High information security Manage expenditure easily Safe (not afraid of losing / stealing money) Possible to make international payments Useful in case of urgent need Can pay for online purchases Convenient for carrying Total 0% 34% 36% 43% 52% 52% 54% 67% 68% 0% 50% 100% 18-25 0% 32% 45% 42% 46% 48% 66% 65% 66% 0% 50% 100% 26-30 0% 40% 30% 43% 45% 63% 69% 72% 72% 0% 50% 100% Over 30 CONVENIENT FOR CARRYING, POSSIBLE FOR ONLINE PURCHASE, USEFUL IN URGENT CASES ARE TOP 3 ADVANTAGES OF CREDIT CARD From your point of view, what are the advantages of the credit card? (Comparison by Age Group) N = 410 N = 149 N = 146 N = 115 Over 30 group considered credit card possible to make international payments as its advantage more than others
16 35% 37% 43% 48% 53% 62% 68% 69% 0% 50% 100% Comfortable use in paying High information security Manage expenditure easily Safe (not afraid of losing / stealing money) Possible to make international payments Useful in case of urgent need Can pay for online purchases Convenient for carrying Total 34% 41% 40% 47% 51% 57% 66% 65% 0% 50% 100% Male 35% 34% 45% 48% 55% 66% 69% 71% 0% 50% 100% Female From your point of view, what are the advantages of the credit card? (Comparison by Gender Group) N = 410 N = 175 N = 235 CONVENIENT FOR CARRYING, POSSIBLE FOR ONLINE PURCHASE, USEFUL IN URGENT CASES ARE TOP 3 ADVANTAGES OF CREDIT CARD
17 0% 37% 40% 43% 47% 49% 51% 0% 50% 100% Other Risk of information leakage Cost of withdrawing cash Can’t control spending Easy to use exceed the limit Annual fee Must pay interest if beyond the payment period Total 0% 34% 37% 39% 46% 54% 47% 0% 50% 100% 18-25 1% 35% 41% 44% 49% 45% 48% 0% 50% 100% 26-30 0% 44% 44% 49% 46% 49% 60% 0% 50% 100% Over 30 MUST PAY INTEREST IF BEYOND THEY PAYMENT PERIOD, ANNUAL FEE AND EASY TO USE EXCEED LIMIT ARE TOP 3 DISADVANTAGES OF CREDIT CARD From your point of view, what are the disadvantages of the credit card? (Comparison by Age Group) N = 410 N = 149 N = 146 N = 115
18 0% 37% 40% 43% 47% 49% 51% 0% 50% 100% Other Risk of information leakage Cost of withdrawing cash Can’t control spending Easy to use exceed the limit Annual fee Must pay interest if beyond the payment period Total 0% 41% 41% 44% 46% 47% 51% 0% 50% 100% Male 0% 34% 40% 43% 47% 51% 51% 0% 50% 100% Female From your point of view, what are the disadvantages of the credit card? (Comparison by Gender Group) N = 410 N = 175 N = 235 MUST PAY INTEREST IF BEYOND THEY PAYMENT PERIOD, ANNUAL FEE AND EASY TO USE EXCEED LIMIT ARE TOP 3 DISADVANTAGES OF CREDIT CARD
19 CREDIT CARD IS THE BEST CHOICE FOR PAYMENT WHEN TRAVELLING ABROAD When traveling abroad, which of following payment methods should be used? (SR) (Comparison by Age & Gender Group) N = 410 N = 175 N = 235 Over 30 group use credit card for payment when travelling abroad more than other younger groups N = 410 N = 149 N = 146 N = 115 0% 1% 0% 0% 9% 11% 10% 6% 14% 15% 12% 14% 16% 18% 18% 9% 61% 56% 60% 71% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total 18-25 26-30 Over 30 Credit Card Debit Card Cash Prepaid Card Other 0% 1% 0% 9% 10% 8% 14% 11% 15% 16% 17% 14% 61% 61% 62% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Male Female Credit Card Debit Card Cash Prepaid Card Other
20 CREDIT CARD IS CONSIDERED HIGHEST SECURITY In the following types of cards, which one has the highest security? (SR) (Comparison by Age & Gender Group) N = 410 N = 175 N = 235N = 410 N = 149 N = 146 N = 115 13% 15% 14% 11% 20% 16% 22% 21% 67% 69% 64% 68% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total 18-25 26-30 Over 30 Credit Card Debit Card Prepaid Card 13% 13% 14% 20% 18% 21% 67% 70% 65% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Male Female Credit Card Debit Card Prepaid Card
21 19-25 YEARS OLD IS CONSIDERED AN APPROPRIATE AGE TO OWN A CREDIT CARD In your opinion, at which age can use a credit card? (Comparison by Age & Gender Group) N = 410 N = 175 N = 235 Over 30 group considered 26-30 years old an appropriate age for owning a credit card N = 410 N = 149 N = 146 N = 115 1% 0% 2% 2% 5% 1% 2% 16% 30% 8% 40% 45% 61% 87% 56% 35% 2% 5% 0% 3% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total 18-25 26-30 Over 30 11 - 18 years old 19 - 25 years old 26 - 30 years old 31 - 35 years old Over 35 years old 1% 1% 2% 5% 3% 7% 30% 27% 32% 61% 69% 55% 2% 1% 4% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Male Female 11 - 18 years old 19 - 25 years old 26 - 30 years old 31 - 35 years old Over 35 years old
22 0% 13% 37% 43% 47% 82% 90% 90% 0% 50% 100% Other Pupil Housewife University Student Worker Government Officer Office worker Businessman Total 0% 14% 41% 54% 52% 82% 91% 86% 0% 50% 100% 18-25 0% 11% 34% 39% 46% 80% 89% 92% 0% 50% 100% 26-30 0% 13% 36% 34% 43% 85% 90% 95% 0% 50% 100% Over 30 BUSINESSMAN (90%), OFFICE WORKER (90%), GOVERNMENT OFFICER (82%) ARE CONSIDERED APPROPRIATE TARGETS TO USE CREDIT CARD Which of the following target can use a credit card? (Comparison by Age Group) N = 410 N = 149 N = 146 N = 115
23 0% 13% 37% 43% 47% 82% 90% 90% 0% 50% 100% Other Pupil Housewife University Student Worker Government Officer Office worker Businessman Total 0% 11% 31% 43% 41% 77% 87% 90% 0% 50% 100% Male 0% 14% 42% 43% 52% 86% 92% 91% 0% 50% 100% Female Which of the following target can use a credit card? (Comparison by Gender Group) N = 410 N = 175 N = 235 BUSINESSMAN (90%), OFFICE WORKER (90%), GOVERNMENT OFFICER (82%) ARE CONSIDERED APPROPRIATE TARGETS TO USE CREDIT CARD
24 How many credit cards should an individual have? (Comparison by Age & Gender Group) N = 410 N = 175 N = 235N = 410 N = 149 N = 146 N = 115 31% 34% 32% 27% 2% 1% 1% 3% 8% 6% 10% 7% 40% 39% 41% 42% 19% 20% 15% 22% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total 18-25 26-30 Over 30 1 2 3 4 How many cards depend on income 31% 27% 34% 2% 2% 2%8% 7% 9% 40% 45% 37% 19% 19% 18% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Male Female 1 2 3 4 How many cards depend on income 40% THINK THAT AN INDIVIDUAL SHOULD HAVE 2 CREDIT CARDS
25 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
26 • 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
27

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CREDIT CARD USAGE IN VIETNAM

  • 1.
    STUDY ABOUT CREDITCARD USAGE IN VIETNAM BY DI-MARKETING (www.di-onlinesurvey.com) Jun, 2017
  • 2.
    1 SURVEY DESIGN  Thissurvey was conducted to study about Credit Card Usage in Vietnam  Methodology: Online survey  Fieldwork time: 5 days (29/05/2017 – 2/06/2017)  Sample size: N = 410  Geography: Nationwide
  • 3.
    2 RESPONDENTS SELECTION Respondents ofthis survey had to be qualified below criteria  Age : Above 18  Personal Income : Over $300  Occupation : Except for Pupils  Usage : Credit Card
  • 4.
    3 KEY FINDINGS 1) CreditCard Usage Behaviors • On average, users start owning a credit card from 25 years old • Current cash withdrawal interest rate is considered acceptable • Current overdue repayment interest is considered high • Online payment (79%), Shopping abroad (65%), Pay for utility (63%) are top 3 things appropriate for using credit card • High confidential transaction, Large ATM network, Internet banking are top 3 most important things to open a credit card • Relatives/ friends/ colleagues recommendation (WOM) is the key influential factor making using credit card 2) Perception of Credit Card • Convenient for carrying, Possible for online purchase, Useful in urgent cases are top 3 advantages of credit card • Must pay interest if beyond the payment period, Annual fee, Easy to use exceed limit are top 3 disadvantages of credit card • Credit card is the best choice for payment when travelling abroad • Credit card is considered highest security comparing with other types of card (Debit, Prepaid) • 19-25 years old is considered an appropriate age to own a credit card • Businessman (90%), Office worker (90%), Government officer (82%) are considered appropriate targets to use credit card • 40% think that an individual should have 2 credit cards
  • 5.
    4 N = 410 DEMOGRAPHICINFORMATION GenderAge OccupationLiving Place 28% 36% 36% Over 30 26-30 18-25 43% 57% Male Female 17% 2% 3% 5% 28% 45% Other Can Tho Hai Phong Da Nang Hanoi Ho Chi Minh 8% 0% 0% 4% 6% 18% 27% 38% Other Housewife Job seeker / Retired Worker University Student Engineer / Doctor / Teacher Self-employed Office worker
  • 6.
    5 1) Credit CardUsage Behaviors 2) Perception of Credit Card CONTENT
  • 7.
    6 8% 6% 10% 27% 25% 28% 61% 65% 58% 2% 2%2% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Male Female Under 18 18 - 25 26 - 30 31-35 36-40 Over 40 1% 3%1% 4%8% 30%27% 42% 42% 61% 96% 58% 20% 2% 3% 1% 1% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total 18-25 26-30 Over 30 Under 18 18 - 25 26 - 30 31-35 36-40 Over 40 ON AVERAGE, USERS START OWNING A CREDIT CARD FROM 25 YEARS OLD When did you start owning a credit card? (Comparison by Age & Gender Group) N = 410 N = 175 N = 235 18-25 group start owning a credit card from 21 years old while Over 30 group start owning credit card from 29 years old N = 410 N = 149 N = 146 N = 115 Weighted Average Age Weighted Average Age 25 y.o 21 y.o 24 y.o 29 y.o 25 y.o 24 y.o 25 y.o
  • 8.
    7 CURRENT CASH WITHDRAWALINTEREST RATE IS CONSIDERED ACCEPTABLE In your opinion, cash withdrawal interest rate of the current credit card is high or low? (Comparison by Age & Gender Group) N = 410 N = 175 N = 235 2% 4% 1% 2% 9% 9% 12% 5% 56% 58% 59% 51% 24% 21% 21% 31% 9% 7% 8% 10% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total 18-25 26-30 Over 30 Very high High Normal / Acceptable Low Very low 2% 2% 3% 9% 7% 11% 56% 58% 55% 24% 22% 26% 9% 11% 6% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Male Female Very high High Normal / Acceptable Low Very low N = 410 N = 149 N = 146 N = 115 Weighted Average Score Weighted Average Score 3.28 3.19 3.24 3.43 3.28 3.34 3.23
  • 9.
    8 1% 1%3% 4%3% 44% 45% 44% 40% 34% 44% 12% 16% 9% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Male Female Very high High Normal / Acceptable Low Very low1% 2%3% 3% 3% 3% 44% 49% 47% 35% 40% 33% 42% 46% 12% 13% 8% 17% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total 18-25 26-30 Over 30 Very high High Normal / Acceptable Low Very low 52% EVALUATED THAT THE OVERDUE REPAYMENT INTEREST IS HIGH In your opinion, overdue repayment interest of current credit card is high or low? (Comparison by Age & Gender Group) N = 410 N = 175 N = 235 Over 30 group considered overdue repayment interest is high more than other groups N = 410 N = 149 N = 146 N = 115 Weighted Average Score Weighted Average Score 3.60 3.51 3.55 3.77 3.60 3.60 3.59
  • 10.
    9 0% 27% 28% 37% 41% 45% 55% 63% 65% 79% 0% 50% 100% Other BeautyCare (Spa, Hair Care, ...) Buying house, land Buy a car or a motorcycle Shopping essentials (shampoo, shower gel, toothpaste, ...) Buy clothes International payment (Transfer to overseas) Pay for electricity, water, Internet Traveling, shopping abroad Online payment Total 0% 26% 30% 37% 40% 40% 56% 58% 61% 77% 0% 50% 100% 18-25 1% 23% 27% 34% 38% 43% 50% 66% 59% 78% 0% 50% 100% 26-30 0% 34% 28% 39% 45% 53% 58% 65% 78% 82% 0% 50% 100% Over 30 ONLINE PAYMENT (79%), SHOPPING ABROAD (65%), UTILITY PAYMENT (63%) ARE TOP 3 THINGS APPROPRIATE FOR USING CREDIT CARD In your opinion, what should we use the credit card for? (Comparison by Age Group) N = 410 N = 149 N = 146 N = 115
  • 11.
    10 0% 27% 28% 37% 41% 45% 55% 63% 65% 79% 0% 50% 100% Other BeautyCare (Spa, Hair Care, ...) Buying house, land Buy a car or a motorcycle Shopping essentials (shampoo, shower gel, toothpaste, ...) Buy clothes International payment (Transfer to overseas) Pay for electricity, water, Internet Traveling, shopping abroad Online payment Total 0% 15% 27% 38% 39% 39% 53% 61% 62% 78% 0% 50% 100% Male 0% 36% 29% 36% 42% 49% 56% 64% 68% 79% 0% 50% 100% Female In your opinion, what should we use the credit card for? (Comparison by Gender Group) N = 410 N = 175 N = 235 Female use credit card for buying clothes and beauty care (Spa, Hair Care, etc.) service payment more than male ONLINE PAYMENT (79%), SHOPPING ABROAD (65%), PAY FOR ELECTRICITY/ WATER (63%) ARE TOP 3 THINGS APPROPRIATE FOR USING CREDIT CARD
  • 12.
    11 0% 8% 11% 13% 13% 14% 15% 19% 20% 21% 28% 30% 32% 32% 45% 0% 50% 100% Other Originatedfrom foreign banks There is an SMS messaging service Low cost of ATM withdrawals Low interest rates The cost of transferring money is low The cost of opening the card is low ATM system clean / safe Term of payment (without interest) long Annual fee is low Procedure to open the card quickly Many promotions / gifts for members to open new cards There is online money transfer service (Internet Banking) Large ATM network The transaction is highly confidential Total 0% 7% 16% 13% 13% 16% 17% 23% 19% 16% 28% 31% 29% 32% 41% 0% 50% 100% 18-25 0% 8% 9% 13% 11% 12% 13% 19% 19% 18% 32% 25% 34% 36% 50% 0% 50% 100% 26-30 1% 8% 8% 11% 16% 12% 15% 14% 22% 30% 24% 37% 32% 27% 43% 0% 50% 100% Over 30 3 factors are considered most important when you decide to open a credit card at the bank? (Comparison by Age Group) N = 410 N = 149 N = 146 N = 115 18-25 group = High confidential transaction + Large ATM network + Many promotion/ 26-30 group = High confidential transaction + Large ATM network + Internet Banking/ Over 30 = High confidential transaction + Internet Banking + Many promotion HIGH CONFIDENTIAL TRANSACTION, LARGE ATM NETWORK AND INTERNET BANKING ARE TOP 3 MOST IMPORTANT THINGS TO OPEN A CREDIT CARD
  • 13.
    12 0% 8% 11% 13% 13% 14% 15% 19% 20% 21% 28% 30% 32% 32% 45% 0% 50% 100% Other Originatedfrom foreign banks There is an SMS messaging service Low cost of ATM withdrawals Low interest rates The cost of transferring money is low The cost of opening the card is low ATM system clean / safe Term of payment (without interest) long Annual fee is low Procedure to open the card quickly Many promotions / gifts for members to open new cards There is online money transfer service (Internet Banking) Large ATM network The transaction is highly confidential Total 0% 10% 10% 12% 14% 10% 16% 21% 16% 21% 29% 30% 30% 34% 47% 0% 50% 100% Male 0% 6% 12% 13% 12% 16% 14% 17% 23% 21% 28% 31% 33% 31% 43% 0% 50% 100% Female 3 factors are considered most important when you decide to open a credit card at the bank? (Comparison by Gender Group) N = 410 N = 175 N = 235 HIGH CONFIDENTIAL TRANSACTION, LARGE ATM NETWORK AND INTERNET BANKING ARE TOP 3 MOST IMPORTANT THINGS TO OPEN A CREDIT CARD
  • 14.
    13 7% 5% 8% 7% 6%7% 2% 8% 16% 16% 17% 16% 25% 20% 25% 32% 46% 52% 48% 37% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total 18-25 26-30 Over 30 Relatives / Friends / Colleagues recommend Attractive promotion See many people using See ads on TV / Newspaper / Social Network Other 7% 7% 6% 6% 5% 6% 16% 19% 14% 25% 27% 24% 46% 42% 49% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Male Female Relatives / Friends / Colleagues recommend Attractive promotion See many people using See ads on TV / Newspaper / Social Network Other RELATIVES/ FRIENDS/ COLLEAGUES RECOMMENDATION IS THE KEY INFLUENTIAL FACTOR MAKING USING CREDIT CARD What’s the main reason for choosing your current credit card? (SR) (Comparison by Age & Gender Group) N = 410 N = 175 N = 235 Over 30 group is more influenced by attractive promotion than other groups N = 410 N = 149 N = 146 N = 115
  • 15.
    14 1) Credit CardUsage Behaviors 2) Perception of Credit Card CONTENT
  • 16.
    15 0% 35% 37% 43% 48% 53% 62% 68% 69% 0% 50% 100% Other Comfortableuse in paying High information security Manage expenditure easily Safe (not afraid of losing / stealing money) Possible to make international payments Useful in case of urgent need Can pay for online purchases Convenient for carrying Total 0% 34% 36% 43% 52% 52% 54% 67% 68% 0% 50% 100% 18-25 0% 32% 45% 42% 46% 48% 66% 65% 66% 0% 50% 100% 26-30 0% 40% 30% 43% 45% 63% 69% 72% 72% 0% 50% 100% Over 30 CONVENIENT FOR CARRYING, POSSIBLE FOR ONLINE PURCHASE, USEFUL IN URGENT CASES ARE TOP 3 ADVANTAGES OF CREDIT CARD From your point of view, what are the advantages of the credit card? (Comparison by Age Group) N = 410 N = 149 N = 146 N = 115 Over 30 group considered credit card possible to make international payments as its advantage more than others
  • 17.
    16 35% 37% 43% 48% 53% 62% 68% 69% 0% 50% 100% Comfortableuse in paying High information security Manage expenditure easily Safe (not afraid of losing / stealing money) Possible to make international payments Useful in case of urgent need Can pay for online purchases Convenient for carrying Total 34% 41% 40% 47% 51% 57% 66% 65% 0% 50% 100% Male 35% 34% 45% 48% 55% 66% 69% 71% 0% 50% 100% Female From your point of view, what are the advantages of the credit card? (Comparison by Gender Group) N = 410 N = 175 N = 235 CONVENIENT FOR CARRYING, POSSIBLE FOR ONLINE PURCHASE, USEFUL IN URGENT CASES ARE TOP 3 ADVANTAGES OF CREDIT CARD
  • 18.
    17 0% 37% 40% 43% 47% 49% 51% 0% 50% 100% Other Riskof information leakage Cost of withdrawing cash Can’t control spending Easy to use exceed the limit Annual fee Must pay interest if beyond the payment period Total 0% 34% 37% 39% 46% 54% 47% 0% 50% 100% 18-25 1% 35% 41% 44% 49% 45% 48% 0% 50% 100% 26-30 0% 44% 44% 49% 46% 49% 60% 0% 50% 100% Over 30 MUST PAY INTEREST IF BEYOND THEY PAYMENT PERIOD, ANNUAL FEE AND EASY TO USE EXCEED LIMIT ARE TOP 3 DISADVANTAGES OF CREDIT CARD From your point of view, what are the disadvantages of the credit card? (Comparison by Age Group) N = 410 N = 149 N = 146 N = 115
  • 19.
    18 0% 37% 40% 43% 47% 49% 51% 0% 50% 100% Other Riskof information leakage Cost of withdrawing cash Can’t control spending Easy to use exceed the limit Annual fee Must pay interest if beyond the payment period Total 0% 41% 41% 44% 46% 47% 51% 0% 50% 100% Male 0% 34% 40% 43% 47% 51% 51% 0% 50% 100% Female From your point of view, what are the disadvantages of the credit card? (Comparison by Gender Group) N = 410 N = 175 N = 235 MUST PAY INTEREST IF BEYOND THEY PAYMENT PERIOD, ANNUAL FEE AND EASY TO USE EXCEED LIMIT ARE TOP 3 DISADVANTAGES OF CREDIT CARD
  • 20.
    19 CREDIT CARD ISTHE BEST CHOICE FOR PAYMENT WHEN TRAVELLING ABROAD When traveling abroad, which of following payment methods should be used? (SR) (Comparison by Age & Gender Group) N = 410 N = 175 N = 235 Over 30 group use credit card for payment when travelling abroad more than other younger groups N = 410 N = 149 N = 146 N = 115 0% 1% 0% 0% 9% 11% 10% 6% 14% 15% 12% 14% 16% 18% 18% 9% 61% 56% 60% 71% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total 18-25 26-30 Over 30 Credit Card Debit Card Cash Prepaid Card Other 0% 1% 0% 9% 10% 8% 14% 11% 15% 16% 17% 14% 61% 61% 62% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Male Female Credit Card Debit Card Cash Prepaid Card Other
  • 21.
    20 CREDIT CARD ISCONSIDERED HIGHEST SECURITY In the following types of cards, which one has the highest security? (SR) (Comparison by Age & Gender Group) N = 410 N = 175 N = 235N = 410 N = 149 N = 146 N = 115 13% 15% 14% 11% 20% 16% 22% 21% 67% 69% 64% 68% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total 18-25 26-30 Over 30 Credit Card Debit Card Prepaid Card 13% 13% 14% 20% 18% 21% 67% 70% 65% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Male Female Credit Card Debit Card Prepaid Card
  • 22.
    21 19-25 YEARS OLDIS CONSIDERED AN APPROPRIATE AGE TO OWN A CREDIT CARD In your opinion, at which age can use a credit card? (Comparison by Age & Gender Group) N = 410 N = 175 N = 235 Over 30 group considered 26-30 years old an appropriate age for owning a credit card N = 410 N = 149 N = 146 N = 115 1% 0% 2% 2% 5% 1% 2% 16% 30% 8% 40% 45% 61% 87% 56% 35% 2% 5% 0% 3% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total 18-25 26-30 Over 30 11 - 18 years old 19 - 25 years old 26 - 30 years old 31 - 35 years old Over 35 years old 1% 1% 2% 5% 3% 7% 30% 27% 32% 61% 69% 55% 2% 1% 4% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Male Female 11 - 18 years old 19 - 25 years old 26 - 30 years old 31 - 35 years old Over 35 years old
  • 23.
    22 0% 13% 37% 43% 47% 82% 90% 90% 0% 50% 100% Other Pupil Housewife UniversityStudent Worker Government Officer Office worker Businessman Total 0% 14% 41% 54% 52% 82% 91% 86% 0% 50% 100% 18-25 0% 11% 34% 39% 46% 80% 89% 92% 0% 50% 100% 26-30 0% 13% 36% 34% 43% 85% 90% 95% 0% 50% 100% Over 30 BUSINESSMAN (90%), OFFICE WORKER (90%), GOVERNMENT OFFICER (82%) ARE CONSIDERED APPROPRIATE TARGETS TO USE CREDIT CARD Which of the following target can use a credit card? (Comparison by Age Group) N = 410 N = 149 N = 146 N = 115
  • 24.
    23 0% 13% 37% 43% 47% 82% 90% 90% 0% 50% 100% Other Pupil Housewife UniversityStudent Worker Government Officer Office worker Businessman Total 0% 11% 31% 43% 41% 77% 87% 90% 0% 50% 100% Male 0% 14% 42% 43% 52% 86% 92% 91% 0% 50% 100% Female Which of the following target can use a credit card? (Comparison by Gender Group) N = 410 N = 175 N = 235 BUSINESSMAN (90%), OFFICE WORKER (90%), GOVERNMENT OFFICER (82%) ARE CONSIDERED APPROPRIATE TARGETS TO USE CREDIT CARD
  • 25.
    24 How many creditcards should an individual have? (Comparison by Age & Gender Group) N = 410 N = 175 N = 235N = 410 N = 149 N = 146 N = 115 31% 34% 32% 27% 2% 1% 1% 3% 8% 6% 10% 7% 40% 39% 41% 42% 19% 20% 15% 22% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total 18-25 26-30 Over 30 1 2 3 4 How many cards depend on income 31% 27% 34% 2% 2% 2%8% 7% 9% 40% 45% 37% 19% 19% 18% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Total Male Female 1 2 3 4 How many cards depend on income 40% THINK THAT AN INDIVIDUAL SHOULD HAVE 2 CREDIT CARDS
  • 26.
    25 FEEL FREE TODROP 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
  • 27.
    26 • 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
  • 28.