Bitcoin or Gold for a Diversifier? Tales of Before and During COVID-19 Crisis Financial Literacy and Fintech Adoption for Quality of Life Yosuke Kakinuma Chiang Mai University Business School SEC

management (in alphabetical order): 1. Australia: Commonwealth of Australia 2. China: People’s Republic China 3. France: French Republic 4. Germany: Federal Republic of Germany 5. Hong Kong SAR 6. Ireland 7

launch in addition to expansion of Australia distribution channel. Eastern Polypack’s revenue from sale increase from the marketing of both food and beverage plastic packaging in addition to the expansion

A- , MALAYSIA AA , KOREA AAA , AUSTRALIA 254,784 225,401 58,877 15,878 13,901 3,777 3,248 2,606 2,555 11% 7%21% 8% 1.0% 31% 20%49% 49% DECEMBER 2020 0.02 (2%) 0.57 (41%)0.81 (58%) Equity Fixed

AA , UNITED KINGDOM AAA , AUSTRALIA AA+ , HONG KONG 163,420 225,622 4,646 14,933 5,247 5,450 3,934 1,676 1,447 9% 6%21% 6% 1.1% 41% 14%43% 43% MARCH 2021 0.02 (2%) 0.41 (31%) 0.90 (68%) Equity Fixed

AA , KOREA AA , UNITED KINGDOM AAA , AUSTRALIA 297,473 240,642 21,078 15,709 6,817 5,280 2,145 2,092 1,752 10% 6%21% 6% 0.8% 38% 18%45% 45% APRIL 2021 0.03 (2%) 0.58 (35%) 1.05 (64%) Equity Fixed

AA , UNITED KINGDOM AA , KOREA AAA , AUSTRALIA 302,533 235,483 21,252 19,753 6,593 5,564 3,399 2,157 1,698 10% 6%21% 5% 0.7% 38% 17%45% 45% MAY 2021 0.03 (2%) 1.09 (64%) 0.58 (34%) Equity Unit trust

AAA , AUSTRALIA AA+ , HONG KONG A- , MALAYSIA 235,953 162,699 14,347 7,266 6,595 3,619 1,682 1,555 1,318 9% 6%21% 5% 0.8% 42% 14%42% 42% JUNE 2021 0.03 (2%) 1.01 (70%) 0.42 (29%) Equity Unit trust Fixed

A- , MALAYSIA AA , KOREA AAA , AUSTRALIA 296,196 224,388 30,357 15,352 7,616 7,608 2,528 2,219 2,086 10% 5%20% 5% 0.4% 39% 17%43% 43% JULY 2021 0.03 (2%) 1.14 (66%) 0.57 (33%) Equity Unit trust Fixed

A- , MALAYSIA AAA , AUSTRALIA AA , KOREA 293,097 206,398 38,183 16,192 9,428 8,891 3,515 2,369 2,173 11% 5%20% 5% 0.4% 39% 17%43% 43% AUGUST 2021 0.03 (2%) 1.12 (66%) 0.56 (33%) Equity Unit trust