Research by the Cambridge Centre for Alternative Finance shows impressive growth in the sector across the continent.
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.
Unlimit Jumps into Indian Payments Arena, Clinches RBI Approval
Network, Learn, Grow | FMAS:24
Network, Learn, Grow | FMAS:24
Get ready to mark your calendars for FMAS:24, returning this May! Take a quick glimpse of what awaits at the Sandton Convention Centre in Sandton, South Africa from May 20-22, 2024.
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Get ready to mark your calendars for FMAS:24, returning this May! Take a quick glimpse of what awaits at the Sandton Convention Centre in Sandton, South Africa from May 20-22, 2024.
Don't miss out on this 5-second invite packed with energy and urgency!
Secure your free ticket now 🔗 https://events.financemagnates.com/yQx0l?utm_source=youtube&utm_campaign=fmas-is-back&utm_medium=video&RefId=FMAS24+Video+Ad+%5B1%5D
#fmas24 #fmas #fmevents #financeinafrica #traders #investors #affiliates #forexTraders #investmentOpportunities #B2BNetworking #finTech #Innovations #TradingCommunity #BusinessOpportunities #AfricanBusiness #Johannesburg #southafrica
📣 Stay updated with the latest in finance and trading!
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Here's a sneak peek into the FMAS:24 vibrant atmosphere! Join us at Africa’s premium financial event for a transformative experience that combines the best of finance and technology.
From May 20-22, 2024, the Sandton Convention Centre in Sandton, South Africa, will be the hub for over 3,500 attendees to engage in unparalleled networking opportunities, learn from over 150 industry-leading speakers, and explore innovations from 120+ exhibitors.
Secure your free ticket now 🔗 https://events.financemagnates.com/yQx0l?utm_source=youtube&utm_campaign=fmas-is-back&utm_medium=video&RefId=FMAS24+Video+Ad+%5B1%5D
#fmas24 #fmas #fmevents #financeinafrica #traders #investors #affiliates #forexTraders #investmentOpportunities #B2BNetworking #finTech #Innovations #TradingCommunity #BusinessOpportunities #AfricanBusiness #Johannesburg #southafrica
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Don't miss out on our latest videos, interviews, and event coverage. Subscribe to our YouTube channel for more!
Here's a sneak peek into the FMAS:24 vibrant atmosphere! Join us at Africa’s premium financial event for a transformative experience that combines the best of finance and technology.
From May 20-22, 2024, the Sandton Convention Centre in Sandton, South Africa, will be the hub for over 3,500 attendees to engage in unparalleled networking opportunities, learn from over 150 industry-leading speakers, and explore innovations from 120+ exhibitors.
Secure your free ticket now 🔗 https://events.financemagnates.com/yQx0l?utm_source=youtube&utm_campaign=fmas-is-back&utm_medium=video&RefId=FMAS24+Video+Ad+%5B1%5D
#fmas24 #fmas #fmevents #financeinafrica #traders #investors #affiliates #forexTraders #investmentOpportunities #B2BNetworking #finTech #Innovations #TradingCommunity #BusinessOpportunities #AfricanBusiness #Johannesburg #southafrica
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Join 3500+ Attendees at FMAS:24 | Africa's Premium Financial Event
Join 3500+ Attendees at FMAS:24 | Africa's Premium Financial Event
Looking to expand your network in #Africa? Join 3500+ attendees at FMAS:24, where online trading, fintech, payments, and crypto meet! Connect with industry leaders and innovators for an unmatched networking experience.
20-22 MAY 2024
Sandton Convention Center, Sandton, South Africa
Register now to secure your spot: https://bit.ly/3JbUpCK
#fmas #fmas24 #fmevents #networking #finance #africa
📣 Stay updated with the latest in finance and trading!
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Looking to expand your network in #Africa? Join 3500+ attendees at FMAS:24, where online trading, fintech, payments, and crypto meet! Connect with industry leaders and innovators for an unmatched networking experience.
20-22 MAY 2024
Sandton Convention Center, Sandton, South Africa
Register now to secure your spot: https://bit.ly/3JbUpCK
#fmas #fmas24 #fmevents #networking #finance #africa
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Join 3500+ Attendees at FMAS:24 - Africa's Premium Financial Event
Join 3500+ Attendees at FMAS:24 - Africa's Premium Financial Event
Looking to expand your network in #Africa?
Join 3500+ attendees at FMAS:24, where online trading, fintech, payments, and crypto meet! Connect with industry leaders and innovators for an unmatched networking experience.
20-22 MAY 2024
Sandton Convention Center, Sandton, South Africa
Register now to secure your spot: https://bit.ly/3JbUpCK
#fmas #fmas24 #fmevents #networking #finance #africa
Looking to expand your network in #Africa?
Join 3500+ attendees at FMAS:24, where online trading, fintech, payments, and crypto meet! Connect with industry leaders and innovators for an unmatched networking experience.
20-22 MAY 2024
Sandton Convention Center, Sandton, South Africa
Register now to secure your spot: https://bit.ly/3JbUpCK
#fmas #fmas24 #fmevents #networking #finance #africa
Where the Prop Trading Industry Goes from Here | Finance Magnates Podcast
Where the Prop Trading Industry Goes from Here | Finance Magnates Podcast
Explore the tumultuous world of prop trading in this Finance Magnates podcast episode, featuring insights from Head of Axi Select, Greg Rubin.
We're discussing the challenges and shifts caused by MetaQuotes' pivotal decisions affecting MT4 and MT5 users, and how Axi Select offers a unique, realistic path to professional trading, steering clear of traditional prop firm pitfalls.
Tune in for expert analysis on the future of trading and innovative funding models.
The Axi Select programme is only available to clients of AxiTrader Limited. CFDs carry a high risk of investment loss. In our dealings with you, we will act as a principal counterparty to all of your positions. This content is not available for AU, NZ, EU and UK residents. For more information, refer to our Terms of Service. Standard trading fees apply.
This content is provided solely for general informational purposes and should not be construed as financial product advice or an investment recommendation. It has been prepared without considering your personal circumstances.
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Explore the tumultuous world of prop trading in this Finance Magnates podcast episode, featuring insights from Head of Axi Select, Greg Rubin.
We're discussing the challenges and shifts caused by MetaQuotes' pivotal decisions affecting MT4 and MT5 users, and how Axi Select offers a unique, realistic path to professional trading, steering clear of traditional prop firm pitfalls.
Tune in for expert analysis on the future of trading and innovative funding models.
The Axi Select programme is only available to clients of AxiTrader Limited. CFDs carry a high risk of investment loss. In our dealings with you, we will act as a principal counterparty to all of your positions. This content is not available for AU, NZ, EU and UK residents. For more information, refer to our Terms of Service. Standard trading fees apply.
This content is provided solely for general informational purposes and should not be construed as financial product advice or an investment recommendation. It has been prepared without considering your personal circumstances.
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