{"id":10073,"date":"2020-03-03T11:23:10","date_gmt":"2020-03-03T09:23:10","guid":{"rendered":"https:\/\/finanso.se\/?p=10073"},"modified":"2020-08-12T11:17:10","modified_gmt":"2020-08-12T09:17:10","slug":"european-fintech-lending-industry-to-hit-9-6bn-value-this-year","status":"publish","type":"post","link":"https:\/\/finanso.se\/european-fintech-lending-industry-to-hit-9-6bn-value-this-year\/","title":{"rendered":"European FinTech Lending Industry to Hit $9.6bn Value This Year"},"content":{"rendered":"\n
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Innovativa utl\u00e5ningstj\u00e4nster, som publik och P2P-marknadsl\u00e5n, blir allt popul\u00e4rare i m\u00e5nga europeiska l\u00e4nder. Med utvecklingen av finansiell teknik har de senaste \u00e5ren bevittnat ett v\u00e4xande antal f\u00f6retagskunder och privata l\u00e5ntagare som anv\u00e4nder dessa digitala finansiella tj\u00e4nster.<\/p>\n\n\n\n

Enligt uppgifter som samlats in av Finanso.se, f\u00f6rv\u00e4ntas den europeiska fintech, eller den alternativa l\u00e5nebranschen, tr\u00e4ffa ett transaktionsv\u00e4rde p\u00e5 9,6 miljarder dollar i \u00e5r och v\u00e4xa med 10% fr\u00e5n \u00e5r till \u00e5r.<\/p>\n\n\n\n

Crowdlending genererar n\u00e4stan 70% av det totala marknadstransaktionsv\u00e4rdet<\/h3>\n\n\n\n

Efter finanskrisen blev m\u00e5nga traditionella banker mycket restriktiva n\u00e4r det g\u00e4ller att godk\u00e4nna l\u00e5n, s\u00e4rskilt i vissa europeiska l\u00e4nder, vilket gav f\u00f6retag och enskilda konsumenter ingen tillg\u00e5ng till v\u00e4lbeh\u00f6vliga kontanter. Detta skapade utrymme f\u00f6r utl\u00e5ningsplattformar, som ansl\u00f6t l\u00e5ntagare direkt till l\u00e5ngivare och tog bort bankerna fr\u00e5n ekvationen.<\/p>\n\n\n\n

Utl\u00e5ningsplattformar anv\u00e4nder sofistikerade datoralgoritmer f\u00f6r att fatta beslut om utl\u00e5ning, ge snabba l\u00e5n och l\u00e4gre r\u00e4ntor till l\u00e5ntagare. Investerare \u00e5 andra sidan ges m\u00f6jligheten att enkelt investera i l\u00e5n utanf\u00f6r sina l\u00e4nder med attraktiv avkastning.<\/p>\n\n\n\n

Under 2017 tr\u00e4ffade den europeiska marknaden f\u00f6r fintech-utl\u00e5ning 6,3 miljarder dollar v\u00e4rde, avsl\u00f6jade Statista Alternative Lending Market Outlook. I slutet av 2018 \u00f6kade marknadsv\u00e4rdet med 20% och uppgick till 7,5 miljarder dollar. Den stigande trenden fortsatte under de kommande tolv m\u00e5naderna med hela marknaden upp till 8,7 miljarder dollar. Statistiken indikerar att den europeiska fintech-utl\u00e5ningsindustrin f\u00f6rv\u00e4ntas visa en \u00e5rlig tillv\u00e4xttakt p\u00e5 3,0% mellan 2020 och 2023, vilket resulterar i ett transaktionsv\u00e4rde p\u00e5 10,5 miljarder dollar under de kommande tre \u00e5ren.<\/p>\n\n\n\n

Marknadens st\u00f6rsta segment \u00e4r crowdlending eller peer-to-peer-aff\u00e4rsutl\u00e5ning. Under 2017 n\u00e5dde europeiska peer-to-peer-l\u00e5n i n\u00e4ringslivet 3,6 miljarder dollar v\u00e4rt. Under de senaste tre \u00e5ren \u00f6kade marknadsv\u00e4rdet f\u00f6r folkl\u00e5nsl\u00e5nen med mer \u00e4n 75% och tr\u00e4ffade $ 6,5 miljarder transaktionsv\u00e4rde 2020. Statistik visar att detta belopp kommer att v\u00e4xa till n\u00e4stan 7,2 miljarder dollar under de kommande tre \u00e5ren. D\u00e4rf\u00f6r b\u00f6rjar fler investerare ocks\u00e5 titta p\u00e5 crowdlending, snarare \u00e4n t.ex. aktier<\/a>.<\/p>\n\n\n\n

Konsumenternas peer-to-peer-l\u00e5n ber\u00e4knas ge upp till 3,1 miljarder dollar \u00e5r 2020, tv\u00e5 g\u00e5nger mindre \u00e4n f\u00f6retagens utl\u00e5ning.<\/p>\n\n\n\n

Antalet europeiska Fintech-l\u00e5n f\u00f6r att n\u00e5 1,3 miljoner \u00e5r 2023<\/h3>\n\n\n\n

\u00c4ven om peer-to-peer-aff\u00e4rsl\u00e5n representerar det ledande marknadssegmentet indikerar statistiken ett mycket h\u00f6gre antal konsument-pe-to-peer-l\u00e5n i Europa. Under 2017 fanns det mer \u00e4n 911 000 framg\u00e5ngsrika finansierade alternativa l\u00e5n inom konsumentomr\u00e5det.<\/p>\n\n\n\n

F\u00f6retags peer-to-peer-l\u00e5n n\u00e5dde \u00f6ver 63 000, eller 14 g\u00e5nger mindre j\u00e4mf\u00f6rt med konsumentl\u00e5n. Under de senaste tre \u00e5ren \u00f6kade alternativa konsument- och aff\u00e4rsl\u00e5n till 1 miljon respektive 75 900. Den genomsnittliga finansieringen per l\u00e5n i crowdlending-segmentet f\u00f6rv\u00e4ntas uppg\u00e5 till $ 86185 i \u00e5r. Statista-unders\u00f6kningen visar att det totala antalet europeiska fintech-l\u00e5n kommer att uppg\u00e5 till \u00f6ver 1,3 miljoner \u00e5r 2023.<\/p>\n\n\n\n

J\u00e4mf\u00f6rt med geografi representerar Storbritannien den ledande europeiska marknaden f\u00f6r fintech-utl\u00e5ning och den tredje st\u00f6rsta marknaden f\u00f6r fintech-utl\u00e5ning globalt. Enligt statistik f\u00f6rv\u00e4ntas det totala v\u00e4rdet p\u00e5 brittiska fintech-l\u00e5n toppa till ett v\u00e4rde av 4,8 miljarder dollar i \u00e5r.<\/p>\n\n\n\n

Schweiz rankades som den n\u00e4st st\u00f6rsta marknaden i Europa med transaktioner v\u00e4rda $ 1,4 miljarder \u00e5r 2020 och v\u00e4xte med anm\u00e4rkningsv\u00e4rda 27,4% fr\u00e5n \u00e5ret innan. Med ett transaktionsv\u00e4rde p\u00e5 796 miljoner dollar 2020 rankade Italien som den tredje st\u00f6rsta utl\u00e5nsmarknaden f\u00f6r fintech i Europa.<\/p>\n\n\n\n

F\u00f6rutom Schweiz v\u00e4ntas dock Danmark och Spanien se de h\u00f6gsta tillv\u00e4xttakterna under de f\u00f6ljande \u00e5ren och stiga med 23,7% respektive 22,9% fr\u00e5n \u00e5r till \u00e5r.<\/p>\n\n\n\n

English version<\/strong><\/h2>\n\n\n\n

Innovative lending services, such as crowd and P2P marketplace loans, are becoming increasingly popular in many European countries. With the development of financial technology, recent years have witnessed a growing number of business customers and private borrowers using these digital financial services.<\/p>\n\n\n\n

According to data gathered by Finanso.se, the European fintech, or the alternative loans industry, is expected to hit a $9.6bn transaction value this year, growing by 10% year-on-year.<\/p>\n\n\n\n

Crowdlending Generates Nearly\n70% of Total Market Transaction Value<\/strong><\/h3>\n\n\n\n

After the financial crisis, many\ntraditional banks became very restrictive in approving loans, especially in\nsome European countries, leaving businesses and individual consumers with no\naccess to much-needed cash. This created space for lending platforms, which\nconnected borrowers directly to lenders, and removed the banks from the\nequation.<\/p>\n\n\n\n

Lending platforms use\nsophisticated computer algorithms to make lending decisions, provide fast\nloans, and lower rates to borrowers. Investors, on the other hand, are given\nthe ability to easily invest in loans outside of their countries at attractive\nreturns.<\/p>\n\n\n\n

In 2017, the European fintech lending market hit $6.3bn value, revealed the Statista Alternative Lending Market Outlook. By the end of 2018, the market value increased by 20% and reached $7.5bn worth. The rising trend continued in the next twelve months with the entire market reaching $8.7bn value. The statistics indicate the European fintech lending industry is expected to show an annual growth rate of 3.0% between 2020 and 2023, resulting in a $10.5bn transaction value in the next three years.<\/p>\n\n\n\n

The market’s largest segment is crowdlending or peer-to-peer business lending. In 2017, European peer-to-peer loans in the business sector reached $3.6bn worth. Over the last three years, the market value of the crowdlending loans increased by more than 75% and hit $6.5bn transaction value in 2020. Statistics show this amount will grow to nearly $7.2bn in the next three years.<\/p>\n\n\n\n

Consumer peer-to-peer loans are\nforecast to edge up to $3.1bn value in 2020, twice less than business lending. <\/p>\n\n\n\n