Post by account_disabled on Mar 14, 2024 9:06:34 GMT 5.5
We have reached the usual column dedicated to the Fintech sector , which every week offers an interesting insight into new trends and digital financial instruments. Today we want to talk to you about lending platforms . What are lending platforms? To be precise, a lending platform means a virtual online place, in which a person, called the applicant, obtains a loan from another person, called the grantor. In general, P2P lending platforms connect individuals interested in lending money (lenders) with other deserving individuals (individuals or companies), who need financial resources for their activities.
The advent of new technologies, combined with a global crisis of traditional Find Your Phone Number financial systems, has given rise to the birth of alternative financial systems (alternative lending) with a growing impact on a global level. The two main financing systems best known on the web at the moment are precisely P2P Lending and crowdfunding platforms, such as Kickstarter, which allow you to finance projects of other entities in a free and completely discretionary manner. In general, the value of new financing platforms has reached a value of 185 billion dollars worldwide and in Europe alone, over 9,400 companies including SMEs and Startups have been financed through lending platforms, for a value of 536 million dollars. (2015 data) with an increase of 167% compared to the same period of the previous year.
( Source: Sustaining Momentum, Cambridge Center for Alternative Finance ) A growing phenomenon, therefore, which finds an easy outlet from the constant use of the internet by individuals, who are always looking for new ways to finance their personal and professional projects, and who see the internet as a new, more streamlined outlet. , free from bureaucratic steps, and why not, even cheaper in terms of repayment of capital. Italy: a world of SMEs in need of capital In Italy, alternative lending platforms could have a great response in terms of membership, since our economic and entrepreneurial fabric is made up of SMEs in 95% of cases. These are businesses, usually family-run, that develop their business in the area.
The advent of new technologies, combined with a global crisis of traditional Find Your Phone Number financial systems, has given rise to the birth of alternative financial systems (alternative lending) with a growing impact on a global level. The two main financing systems best known on the web at the moment are precisely P2P Lending and crowdfunding platforms, such as Kickstarter, which allow you to finance projects of other entities in a free and completely discretionary manner. In general, the value of new financing platforms has reached a value of 185 billion dollars worldwide and in Europe alone, over 9,400 companies including SMEs and Startups have been financed through lending platforms, for a value of 536 million dollars. (2015 data) with an increase of 167% compared to the same period of the previous year.
( Source: Sustaining Momentum, Cambridge Center for Alternative Finance ) A growing phenomenon, therefore, which finds an easy outlet from the constant use of the internet by individuals, who are always looking for new ways to finance their personal and professional projects, and who see the internet as a new, more streamlined outlet. , free from bureaucratic steps, and why not, even cheaper in terms of repayment of capital. Italy: a world of SMEs in need of capital In Italy, alternative lending platforms could have a great response in terms of membership, since our economic and entrepreneurial fabric is made up of SMEs in 95% of cases. These are businesses, usually family-run, that develop their business in the area.