Research by the Cambridge Centre for Alternative Finance shows impressive growth in the sector across the continent.
Finance Magnates
This article was written by Alessandro Ravanetti, the co-founder and CMO of Crowd Valley, a global Fintech company.
The alternative finance industry in Europe continues to grow at impressive pace.
According to a new report entitled “Sustaining Momentum”, prepared by the Cambridge Centre for Alternative Finance (CCAF) of the University of Cambridge Judge Business School, which tracks and benchmarks the development and growth of P2P lending and Crowdfunding in Europe, the online alternative finance market grew by 92% year on year, reaching €5.4 billion in 2015.
This is the second report prepared by the CCAF, following the one published in February 2015, called “Moving Mainstream - The European Alternative Finance Benchmarking Report”.
The research, which covers an estimated 90% of the visible market, was prepared with the help of 17 major European industry associations and research partners, in partnership with KPMG and with the support of the CME Group Foundation.
The UK remains the biggest and most important market in the area - with the €4.4 billion reached in 2015, it represents 81% of the market share in Europe. France is now the second country by market volume for online alternative finance in Europe, totalling €319 million, followed by Germany with €249 million and the Netherlands with €111 million.
A few additional key findings emerging from the report:
- No shock to see the UK in first position, even by looking at the alternative finance volume per capita of €45.88. What’s more surprising is that Estonia is in the second position with €24 and Finland with €12 per capita.
- P2P consumer lending is the largest market segment for alternative finance in Europe, with €366 million reached in 2015, and it’s followed by P2P business lending with €212 million and equity-based crowdfunding with €159 million (93% increase year on year).
- Invoice trading is the market segment growing more rapidly, having increased more than 11 times from the year, from €7 million in 2014 to €81 million in 2015.
- More institutional players stepped in, with 44% of the platforms surveyed (excluding the UK) disclosing institutional funding in 2015.
- A total of 9,442 businesses (excluding the UK), considering both startups and SMEs, raised funding via online alternative finance models, for a total of €536 million.
- 82% of consumer loans, 78% of traded invoices and 38% of business loans are funded with automatic bidding or selection on digital platforms.
- The average deal size on alternative finance platforms is growing. €459,00 for equity crowdfunding, just below €100,000 for P2P business loans, and under €10,000 for P2P consumer loans.
- The difference in perceptions regarding the current national regulations is substantial. 38% of the platforms think that regulations are adequate, 28% think that they are excessive, while 10% think that the regulations are too relaxed.
Taking the whole picture into consideration, these numbers look really impressive and similar to what we have seen in the first part of the year with the considerable flows of investments going into the fintech sector at a global level. From this report we can see a vast number of indicators that tell us once again that the finance industry is reinventing itself at a very fast pace.
More details about the state of alternative finance in Europe, with the possibility to download the report for free, from this link.
This article was written by Alessandro Ravanetti, the co-founder and CMO of Crowd Valley, a global Fintech company.
The alternative finance industry in Europe continues to grow at impressive pace.
According to a new report entitled “Sustaining Momentum”, prepared by the Cambridge Centre for Alternative Finance (CCAF) of the University of Cambridge Judge Business School, which tracks and benchmarks the development and growth of P2P lending and Crowdfunding in Europe, the online alternative finance market grew by 92% year on year, reaching €5.4 billion in 2015.
This is the second report prepared by the CCAF, following the one published in February 2015, called “Moving Mainstream - The European Alternative Finance Benchmarking Report”.
The research, which covers an estimated 90% of the visible market, was prepared with the help of 17 major European industry associations and research partners, in partnership with KPMG and with the support of the CME Group Foundation.
The UK remains the biggest and most important market in the area - with the €4.4 billion reached in 2015, it represents 81% of the market share in Europe. France is now the second country by market volume for online alternative finance in Europe, totalling €319 million, followed by Germany with €249 million and the Netherlands with €111 million.
A few additional key findings emerging from the report:
- No shock to see the UK in first position, even by looking at the alternative finance volume per capita of €45.88. What’s more surprising is that Estonia is in the second position with €24 and Finland with €12 per capita.
- P2P consumer lending is the largest market segment for alternative finance in Europe, with €366 million reached in 2015, and it’s followed by P2P business lending with €212 million and equity-based crowdfunding with €159 million (93% increase year on year).
- Invoice trading is the market segment growing more rapidly, having increased more than 11 times from the year, from €7 million in 2014 to €81 million in 2015.
- More institutional players stepped in, with 44% of the platforms surveyed (excluding the UK) disclosing institutional funding in 2015.
- A total of 9,442 businesses (excluding the UK), considering both startups and SMEs, raised funding via online alternative finance models, for a total of €536 million.
- 82% of consumer loans, 78% of traded invoices and 38% of business loans are funded with automatic bidding or selection on digital platforms.
- The average deal size on alternative finance platforms is growing. €459,00 for equity crowdfunding, just below €100,000 for P2P business loans, and under €10,000 for P2P consumer loans.
- The difference in perceptions regarding the current national regulations is substantial. 38% of the platforms think that regulations are adequate, 28% think that they are excessive, while 10% think that the regulations are too relaxed.
Taking the whole picture into consideration, these numbers look really impressive and similar to what we have seen in the first part of the year with the considerable flows of investments going into the fintech sector at a global level. From this report we can see a vast number of indicators that tell us once again that the finance industry is reinventing itself at a very fast pace.
More details about the state of alternative finance in Europe, with the possibility to download the report for free, from this link.
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OnePrime’s Jerry Khargi on Infrastructure, Liquidity & Trust | Executive Interview
OnePrime’s Jerry Khargi on Infrastructure, Liquidity & Trust | Executive Interview
Recorded live at FMLS:25 London, this exclusive executive interview features Jerry Khargi, Executive Director at OnePrime, in conversation with Andrea Badiola Mateos from Finance Magnates.
In this in-depth discussion, Jerry shares:
- OnePrime’s journey from a retail-focused business to a global institutional liquidity provider
- What truly sets award-winning trading infrastructure apart
- Key trends shaping institutional trading, including technology and AI
- The importance of transparency, ethics, and reputation in long-term success
- OnePrime’s vision for growth over the next 12–24 months
Fresh from winning Finance Magnates’ Best Trading Infrastructure Broker, Jerry explains how experience, mentorship, and real-world problem solving form the “special sauce” behind OnePrime’s institutional offering.
🏆 Award Highlight: Best Trading Infrastructure Broker
👉 Subscribe to Finance Magnates for more executive interviews, market insights, and exclusive coverage from the world’s leading financial events.
#FMLS25 #FinanceMagnates #OnePrime #InstitutionalTrading #Liquidity #TradingInfrastructure #ExecutiveInterview
Recorded live at FMLS:25 London, this exclusive executive interview features Jerry Khargi, Executive Director at OnePrime, in conversation with Andrea Badiola Mateos from Finance Magnates.
In this in-depth discussion, Jerry shares:
- OnePrime’s journey from a retail-focused business to a global institutional liquidity provider
- What truly sets award-winning trading infrastructure apart
- Key trends shaping institutional trading, including technology and AI
- The importance of transparency, ethics, and reputation in long-term success
- OnePrime’s vision for growth over the next 12–24 months
Fresh from winning Finance Magnates’ Best Trading Infrastructure Broker, Jerry explains how experience, mentorship, and real-world problem solving form the “special sauce” behind OnePrime’s institutional offering.
🏆 Award Highlight: Best Trading Infrastructure Broker
👉 Subscribe to Finance Magnates for more executive interviews, market insights, and exclusive coverage from the world’s leading financial events.
#FMLS25 #FinanceMagnates #OnePrime #InstitutionalTrading #Liquidity #TradingInfrastructure #ExecutiveInterview
How does the Finance Magnates newsroom decide which updates are worth covering? #financenews
How does the Finance Magnates newsroom decide which updates are worth covering? #financenews
What makes an update worth covering in financial media?
According to Yam Yehoshua, Editor-in-Chief at Finance Magnates, editorial focus starts with relevance: stories that serve the industry, support brokers and technology providers, and help decision-makers navigate their businesses.
A reminder that strong financial journalism is built on value, not volume.
What makes an update worth covering in financial media?
According to Yam Yehoshua, Editor-in-Chief at Finance Magnates, editorial focus starts with relevance: stories that serve the industry, support brokers and technology providers, and help decision-makers navigate their businesses.
A reminder that strong financial journalism is built on value, not volume.
Liquidity as a Business: How Brokers Can Earn More
Liquidity as a Business: How Brokers Can Earn More
This webinar will focuses on how brokers can create new revenue streams by launching or enhancing their liquidity business.
John Murillo, Chief Dealing Officer of the B2BROKER group, covers how:
- Retail brokers can launch their own B2B arm to distribute liquidity and boost profitability.
- Institutional brokers can upgrade their liquidity offering and strengthen their market position.
- New entrants can start from scratch and become liquidity providers through a ready-made turnkey solution.
Hosted by B2BROKER, a global fintech provider of liquidity and technology solutions, the session will reveal how to monetize liquidity, accelerate business growth, and increase profitability using the Liquidity Provider Turnkey solution.
📣 Stay updated with the latest in finance and trading! Follow Finance Magnates across our social media platforms for news, insights, and event updates.
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▶️ YouTube: / @financemagnates_official
This webinar will focuses on how brokers can create new revenue streams by launching or enhancing their liquidity business.
John Murillo, Chief Dealing Officer of the B2BROKER group, covers how:
- Retail brokers can launch their own B2B arm to distribute liquidity and boost profitability.
- Institutional brokers can upgrade their liquidity offering and strengthen their market position.
- New entrants can start from scratch and become liquidity providers through a ready-made turnkey solution.
Hosted by B2BROKER, a global fintech provider of liquidity and technology solutions, the session will reveal how to monetize liquidity, accelerate business growth, and increase profitability using the Liquidity Provider Turnkey solution.
📣 Stay updated with the latest in finance and trading! Follow Finance Magnates across our social media platforms for news, insights, and event updates.
Connect with us today:
🔗 LinkedIn: / https://www.linkedin.com/company/financemagnates/
👍 Facebook: / https://www.facebook.com/financemagnates/
📸 Instagram: / https://www.instagram.com/financemagnates_official/?hl=en
🐦 X: https://x.com/financemagnates?
🎥 TikTok: https://www.tiktok.com/tag/financemag...
▶️ YouTube: / @financemagnates_official
How FYNXT is Transforming Brokerages with Modular Tech | Executive Interview with Stephen Miles
How FYNXT is Transforming Brokerages with Modular Tech | Executive Interview with Stephen Miles
Join us for an exclusive interview with Stephen Miles, Chief Revenue Officer at FYNXT, recorded live at FMLS:25. In this conversation, Stephen breaks down how modular brokerage technology is driving growth, retention, and efficiency across the brokerage industry.
Learn how FYNXT's unified yet modular platform is giving brokers a competitive edge—powering faster onboarding, increased trading volumes, and dramatically improved IB performance.
🔑 What You'll Learn in This Video:
- The biggest challenges brokerages face going into 2026
- Why FYNXT’s modular platform is outperforming in-house builds
- How automation is transforming IB channels
- The real ROI: 11x LTV increases and reduced acquisition costs
👉 Don’t forget to like, comment, and subscribe.
#FYNXT #StephenMiles #FMLS2025 #BrokerageTechnology #ModularTech #FintechInterview #DigitalTransformation #FinancialMarkets #CROInterview #FintechInnovation #TradingTechnology #IndependentBrokers #FinanceLeaders
Join us for an exclusive interview with Stephen Miles, Chief Revenue Officer at FYNXT, recorded live at FMLS:25. In this conversation, Stephen breaks down how modular brokerage technology is driving growth, retention, and efficiency across the brokerage industry.
Learn how FYNXT's unified yet modular platform is giving brokers a competitive edge—powering faster onboarding, increased trading volumes, and dramatically improved IB performance.
🔑 What You'll Learn in This Video:
- The biggest challenges brokerages face going into 2026
- Why FYNXT’s modular platform is outperforming in-house builds
- How automation is transforming IB channels
- The real ROI: 11x LTV increases and reduced acquisition costs
👉 Don’t forget to like, comment, and subscribe.
#FYNXT #StephenMiles #FMLS2025 #BrokerageTechnology #ModularTech #FintechInterview #DigitalTransformation #FinancialMarkets #CROInterview #FintechInnovation #TradingTechnology #IndependentBrokers #FinanceLeaders
Executive Interview | Charlotte Bullock | Chief Product Officer, Bank of London | FMLS:25
Executive Interview | Charlotte Bullock | Chief Product Officer, Bank of London | FMLS:25
In this interview, we sat down with Charlotte Bullock, Head of Product at The Bank of London, previously at SAP and now shaping product at one of the sector’s most ambitious new banking players.
Charlotte reflects on the Summit so far and talks about the culture inside fintech banks today. We look at the pressures that come with scaling, and how firms can hold onto the nimble approach that made them stand out early on.
We also cover the state of payments ahead of her appearance on the payments roundtable: the blockages financial firms face, the areas that still need fixing, and what a realistic solution looks like in 2026.
In this interview, we sat down with Charlotte Bullock, Head of Product at The Bank of London, previously at SAP and now shaping product at one of the sector’s most ambitious new banking players.
Charlotte reflects on the Summit so far and talks about the culture inside fintech banks today. We look at the pressures that come with scaling, and how firms can hold onto the nimble approach that made them stand out early on.
We also cover the state of payments ahead of her appearance on the payments roundtable: the blockages financial firms face, the areas that still need fixing, and what a realistic solution looks like in 2026.