Peer-to-peer lending market to grow at a CAGR of 28.3%

Albany NY, USA, May 04, 2022 (GLOBE NEWSWIRE) — Investment opportunities in peer-to-peer (P2P) lending platforms are thriving thanks to the ever-growing need for personal loans and credits that are not easily accommodated by large financial institutions. The growing acceptance of P2P business models by governments and regulators, coupled with a constant pursuit of product innovations, is catalyzing the customer experience, thereby expanding the possibilities of the peer-to-peer lending market. The global valuation is expected to exceed US$1.3 billion by 2031.

The BFSI industry has reinforced the benefits of an integrated delivery model in peer-to-peer lending, including the cost-effectiveness, reliability and greater reach of P2P platforms. Lenders have benefited greatly from the use of predictive analytics tools used to assess loan repayment capabilities, especially of students and families, to reduce the risk of default. These product features bolster the prospects for the peer-to-peer lending market, observed the authors of an in-depth study by TMR.

The growing awareness of these customer propositions is making P2P lending platforms more popular among borrowers and investors, earning their trust. Developed countries in particular have been at the forefront of early adopters of the P2P lending framework and have generated vast room for growth for industry players in the peer-to-peer lending market.

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Key Findings from Peer-to-Peer Lending Market Research

  • Lenders are leveraging P2P lending platforms to diversify investments and earn high returns: The popularity of modern lending platforms will be further enhanced by the incorporation of new technologies to secure transactions such as the use of blockchain, say analysts from the TMR peer-to-peer lending market study. Consumer finance companies are using AI to assess creditworthiness. The increase in demand for personal loans has boosted the popularity of P2P lending platforms among investors to derive higher profits from lending and financing. The growing demand for direct loans to small and medium-sized businesses, especially in emerging economies, is fueling many customer propositions in the peer-to-peer lending market.
  • Wide range lending requirements for communities and SMEs are driving demand: Institutional and individual buyers, including small businesses, have realized the benefits of using online P2P lending platforms to meet their wide range of credit needs. The growing trend of equity financing and crowdfunding among companies is enriching the value chain of companies in the peer-to-peer lending market. The growing number of credit card redemption platforms will increase the revenue generation potential for market players, TMR analysts observed.
  • Advancements in platforms pave the way for new business models: The peer-to-peer lending market is teeming with opportunity, with Fintech companies constantly relying on bringing new functionality to platform-based business models. Progress expected to reduce incidence of fraud and theft activities in P2P lending

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Peer-to-peer lending market: key drivers

  • The modernization of digital technologies in the BFSI sector has helped to bring a large number of borrowers and lenders around the world into a peer-to-peer lending framework. This trend will continue to drive the evolution of the peer-to-peer lending market.
  • Innovation in P2P platforms towards personalization will enable peer-to-peer lending platforms to become an effective alternative to traditional financial intermediaries for lending. The ever-increasing demand for crowdfunding is enriching the breadth of revenue in the peer-to-peer lending market.

Peer-to-peer lending market: regional growth momentum

  • Peer-to-peer lending market valuation in North America is estimated to account for a large share globally. The increased adoption of P2P lending platforms by the BFSI industry in the US and Canada, with government support, has propelled substantial revenue.
  • Opportunities in Asia-Pacific are expected to grow at a promising pace during the 2021-2031 forecast. The rise in adoption of P2P lending for educational lending and to support small businesses in the region is propelling the expansion of lucrative opportunities.
  • Europe is a potentially lucrative market, and its growth is being catalyzed by the growing demand for different types of loans, especially home loans, by borrowers.

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Peer-to-peer lending market: key players

Some of the major players in the peer-to-peer lending market are Upstart Network Inc., Prosper Marketplace, Inc., Peerform, LendingPad Corporation, Funding Circle Limited, CircleBack Lending, Inc., and Avant Inc.

Global peer-to-peer lending market: segmentation

Peer-to-peer lending market, by type

Peer-to-peer lending market, by end user

  • Consumer credit
  • Small business
  • Student loans
  • Real estate
  • Others

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Peer-to-peer lending market, by business model

  • Traditional P2P model
  • Market Loan Model

Peer-to-peer lending market, by region

  • North America
  • Europe
    • Germany
    • UK
    • France
    • Italy
    • Spain
    • The rest of Europe
  • Asia-Pacific (APAC)
    • China
    • India
    • Japan
    • ASEAN
    • Rest of Asia-Pacific
  • Middle East and Africa (MEA)
    • Saudi Arabia
    • United Arab Emirates
    • South Africa
    • Rest of Middle East and Africa (MEA)
  • South America
    • Brazil
    • Argentina
    • Rest of South America

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