PUBLISHER: KBV Research | PRODUCT CODE: 1384984
PUBLISHER: KBV Research | PRODUCT CODE: 1384984
Europe Peer to Peer Lending Market Size, Share & Industry Trends Analysis Report By Business Model (Traditional Lending, and Alternate Marketplace Lending), By Loan Type, By End User (Business, and Personal), By Country and Growth Forecast, 2023 - 2030
The Europe Peer to Peer Lending Market would witness market growth of 27.8% CAGR during the forecast period (2023-2030).
The lack of administrative costs associated with traditional banks enables P2P lending platforms to offer competitive interest rates, which frequently benefit borrowers and attract lenders seeking higher returns. Investing in multiple loans can diversify their portfolios and mitigate risk. This diversification can be a significant draw for individuals and institutional investors. Many governments have recognized the potential of P2P lending to drive economic growth and have established regulatory frameworks to govern these services, providing a sense of security for participants. P2P lending platforms leverage big data and artificial intelligence to assess the creditworthiness of borrowers, thereby reducing the risk for lenders. This data-driven approach has made P2P lending more reliable and efficient. P2P lending platforms are not confined to specific regions, with many expanding globally. This enables cross-border lending and borrowing, broadening opportunities for both investors and borrowers.
Some P2P lending platforms adopt hybrid models combining traditional banking services with their digital lending offerings. This approach aims to provide a comprehensive financial ecosystem, enhancing customer engagement and loyalty. Many P2P lending platforms are packaging loans into tradable securities to attract institutional investors. This securitization trend introduces greater liquidity and risk management to the market. It is being investigated whether blockchain technology can improve the transparency, safety, and efficacy of peer-to-peer lending. Smart contracts can automate loan agreements, reducing the need for intermediaries.
Additionally, many European countries have invested in education and skills development programs. For instance, Germany is known for its strong vocational education system, which provides students with practical skills and knowledge highly valued by employers. These educational investments have led to a more skilled and adaptable workforce, making it easier for people to find employment. As per the data given by the Federal Statistical Office of Germany (Statistisches Bundesamt) - Destatis, compared with August 2022, the number of persons in employment in August 2023 was up by 0.8%, or 342,000. In May, June, and July 2023, the year-on-year change rates amounted to +0.7% each, while they had stood at an average of +1.3% in 2022. Increasing employment rate in Europe will help in raising the borrowing capacity of people, and subsequently, this will drive the expansion of the market.
The Germany market dominated the Europe Peer to Peer Lending Market by Country in 2022, and would continue to be a dominant market till 2030; thereby, achieving a market value of $60,870 Million by 2030. The UK market is experiencing a CAGR of 26.7% during (2023 - 2030). Additionally, The France market would exhibit a CAGR of 28.7% during (2023 - 2030).
Based on Business Model, the market is segmented into Traditional Lending, and Alternate Marketplace Lending. Based on Loan Type, the market is segmented into Small Business Loans, Consumer Credit Loans, Real estate Loans, and Student Loans. Based on End User, the market is segmented into Business, and Personal. Based on countries, the market is segmented into Germany, UK, France, Russia, Spain, Italy, and Rest of Europe.
The market research report covers the analysis of key stake holders of the market. Key companies profiled in the report include Harmoney Corp Limited, Funding Circle Limited (Funding Circle Holdings plc), LendingTree, LLC (LendingTree, Inc.), Upstart Network, Inc. (Upstart Holdings, Inc), LendingClub Bank (LendingClub Corporation), goPeer Corporation, Linked P2P Limited, Prosper Funding LLC (Prosper Marketplace, Inc.), Lending Loop (Loop Financial Inc.), and MoneyMe Limited.
Scope of the Study
Market Segments covered in the Report:
By Business Model
- Traditional Lending
- Alternate Marketplace Lending
By Loan Type
- Small Business Loans
- Consumer Credit Loans
- Real estate Loans
- Student Loans
By End User
- Business
- Personal
By Country
- Germany
- UK
- France
- Russia
- Spain
- Italy
- Rest of Europe
Companies Profiled
- Harmoney Corp Limited
- Funding Circle Limited (Funding Circle Holdings plc)
- LendingTree, LLC (LendingTree, Inc.)
- Upstart Network, Inc. (Upstart Holdings, Inc)
- LendingClub Bank (LendingClub Corporation)
- goPeer Corporation
- Linked P2P Limited
- Prosper Funding LLC (Prosper Marketplace, Inc.)
- Lending Loop (Loop Financial Inc.)
- MoneyMe Limited
Unique Offerings from KBV Research
- Exhaustive coverage
- Highest number of market tables and figures
- Subscription based model available
- Guaranteed best price
- Assured post sales research support with 10% customization free
Table of Contents
Chapter 1. Market Scope & Methodology
- 1.1 Market Definition
- 1.2 Objectives
- 1.3 Market Scope
- 1.4 Segmentation
- 1.4.1 Europe Peer to Peer Lending Market, by Business Model
- 1.4.2 Europe Peer to Peer Lending Market, by Loan Type
- 1.4.3 Europe Peer to Peer Lending Market, by End User
- 1.4.4 Europe Peer to Peer Lending Market, by Country
- 1.5 Methodology for the research
Chapter 2. Market at a Glance
- 2.1 Key Highlights
Chapter 3. Market Overview
- 3.1 Introduction
- 3.1.1 Overview
- 3.1.1.1 Market Composition and Scenario
- 3.1.1 Overview
- 3.2 Key Factors Impacting the Market
- 3.2.1 Market Drivers
- 3.2.2 Market Restraints
- 3.3 Porter Five Forces Analysis
Chapter 4. Europe Peer to Peer Lending Market by Business Model
- 4.1 Europe Traditional Lending Market by Country
- 4.2 Europe Alternate Marketplace Lending Market by Country
Chapter 5. Europe Peer to Peer Lending Market by Loan Type
- 5.1 Europe Small Business Loans Market by Country
- 5.2 Europe Consumer Credit Loans Market by Country
- 5.3 Europe Real estate Loans Market by Country
- 5.4 Europe Student Loans Market by Country
Chapter 6. Europe Peer to Peer Lending Market by End User
- 6.1 Europe Business Market by Country
- 6.2 Europe Personal Market by Country
Chapter 7. Europe Peer to Peer Lending Market by Country
- 7.1 Germany Peer to Peer Lending Market
- 7.1.1 Germany Peer to Peer Lending Market by Business Model
- 7.1.2 Germany Peer to Peer Lending Market by Loan Type
- 7.1.3 Germany Peer to Peer Lending Market by End User
- 7.2 UK Peer to Peer Lending Market
- 7.2.1 UK Peer to Peer Lending Market by Business Model
- 7.2.2 UK Peer to Peer Lending Market by Loan Type
- 7.2.3 UK Peer to Peer Lending Market by End User
- 7.3 France Peer to Peer Lending Market
- 7.3.1 France Peer to Peer Lending Market by Business Model
- 7.3.2 France Peer to Peer Lending Market by Loan Type
- 7.3.3 France Peer to Peer Lending Market by End User
- 7.4 Russia Peer to Peer Lending Market
- 7.4.1 Russia Peer to Peer Lending Market by Business Model
- 7.4.2 Russia Peer to Peer Lending Market by Loan Type
- 7.4.3 Russia Peer to Peer Lending Market by End User
- 7.5 Spain Peer to Peer Lending Market
- 7.5.1 Spain Peer to Peer Lending Market by Business Model
- 7.5.2 Spain Peer to Peer Lending Market by Loan Type
- 7.5.3 Spain Peer to Peer Lending Market by End User
- 7.6 Italy Peer to Peer Lending Market
- 7.6.1 Italy Peer to Peer Lending Market by Business Model
- 7.6.2 Italy Peer to Peer Lending Market by Loan Type
- 7.6.3 Italy Peer to Peer Lending Market by End User
- 7.7 Rest of Europe Peer to Peer Lending Market
- 7.7.1 Rest of Europe Peer to Peer Lending Market by Business Model
- 7.7.2 Rest of Europe Peer to Peer Lending Market by Loan Type
- 7.7.3 Rest of Europe Peer to Peer Lending Market by End User
Chapter 8. Company Profiles
- 8.1 Harmoney Corp Limited
- 8.1.1 Company Overview
- 8.1.2 Financial Analysis
- 8.1.3 Segmental and Regional Analysis
- 8.1.4 SWOT Analysis
- 8.2 LendingTree, LLC (LendingTree, Inc.)
- 8.2.1 Company Overview
- 8.2.2 Financial Analysis
- 8.2.3 Segmental and Regional Analysis
- 8.2.4 SWOT Analysis
- 8.3 goPeer Corporation
- 8.3.1 Company Overview
- 8.3.2 SWOT Analysis
- 8.4 Linked P2P Limited (Linked Finance)
- 8.4.1 Company Overview
- 8.5 Lending Loop (Loop Financial Inc.)
- 8.5.1 Company Overview
- 8.6 MoneyMe Limited
- 8.6.1 Company Overview
- 8.6.2 Financial Analysis
- 8.7 Funding Circle Limited (Funding Circle Holdings plc)
- 8.7.1 Company Overview
- 8.7.2 Financial Analysis
- 8.7.3 Segmental and Regional Analysis
- 8.7.4 Recent strategies and developments:
- 8.7.4.1 Partnerships, Collaborations, and Agreements:
- 8.7.5 SWOT Analysis
- 8.8 Upstart Network, Inc. (Upstart Holdings, Inc)
- 8.8.1 Company Overview
- 8.8.2 Financial Analysis
- 8.8.3 SWOT Analysis
- 8.9 LendingClub Bank (LendingClub Corporation)
- 8.9.1 Company Overview
- 8.9.2 Financial Analysis
- 8.9.3 Segmental and Regional Analysis
- 8.9.4 SWOT Analysis
- 8.10. Prosper Funding LLC (Prosper Marketplace, Inc.)
- 8.10.1 Company Overview
LIST OF TABLES
- TABLE 1 Europe Peer to Peer Lending Market, 2019 - 2022, USD Million
- TABLE 2 Europe Peer to Peer Lending Market, 2023 - 2030, USD Million
- TABLE 3 Europe Peer to Peer Lending Market by Business Model, 2019 - 2022, USD Million
- TABLE 4 Europe Peer to Peer Lending Market by Business Model, 2023 - 2030, USD Million
- TABLE 5 Europe Traditional Lending Market by Country, 2019 - 2022, USD Million
- TABLE 6 Europe Traditional Lending Market by Country, 2023 - 2030, USD Million
- TABLE 7 Europe Alternate Marketplace Lending Market by Country, 2019 - 2022, USD Million
- TABLE 8 Europe Alternate Marketplace Lending Market by Country, 2023 - 2030, USD Million
- TABLE 9 Europe Peer to Peer Lending Market by Loan Type, 2019 - 2022, USD Million
- TABLE 10 Europe Peer to Peer Lending Market by Loan Type, 2023 - 2030, USD Million
- TABLE 11 Europe Small Business Loans Market by Country, 2019 - 2022, USD Million
- TABLE 12 Europe Small Business Loans Market by Country, 2023 - 2030, USD Million
- TABLE 13 Europe Consumer Credit Loans Market by Country, 2019 - 2022, USD Million
- TABLE 14 Europe Consumer Credit Loans Market by Country, 2023 - 2030, USD Million
- TABLE 15 Europe Real estate Loans Market by Country, 2019 - 2022, USD Million
- TABLE 16 Europe Real estate Loans Market by Country, 2023 - 2030, USD Million
- TABLE 17 Europe Student Loans Market by Country, 2019 - 2022, USD Million
- TABLE 18 Europe Student Loans Market by Country, 2023 - 2030, USD Million
- TABLE 19 Europe Peer to Peer Lending Market by End User, 2019 - 2022, USD Million
- TABLE 20 Europe Peer to Peer Lending Market by End User, 2023 - 2030, USD Million
- TABLE 21 Europe Business Market by Country, 2019 - 2022, USD Million
- TABLE 22 Europe Business Market by Country, 2023 - 2030, USD Million
- TABLE 23 Europe Personal Market by Country, 2019 - 2022, USD Million
- TABLE 24 Europe Personal Market by Country, 2023 - 2030, USD Million
- TABLE 25 Europe Peer to Peer Lending Market by Country, 2019 - 2022, USD Million
- TABLE 26 Europe Peer to Peer Lending Market by Country, 2023 - 2030, USD Million
- TABLE 27 Germany Peer to Peer Lending Market, 2019 - 2022, USD Million
- TABLE 28 Germany Peer to Peer Lending Market, 2023 - 2030, USD Million
- TABLE 29 Germany Peer to Peer Lending Market by Business Model, 2019 - 2022, USD Million
- TABLE 30 Germany Peer to Peer Lending Market by Business Model, 2023 - 2030, USD Million
- TABLE 31 Germany Peer to Peer Lending Market by Loan Type, 2019 - 2022, USD Million
- TABLE 32 Germany Peer to Peer Lending Market by Loan Type, 2023 - 2030, USD Million
- TABLE 33 Germany Peer to Peer Lending Market by End User, 2019 - 2022, USD Million
- TABLE 34 Germany Peer to Peer Lending Market by End User, 2023 - 2030, USD Million
- TABLE 35 UK Peer to Peer Lending Market, 2019 - 2022, USD Million
- TABLE 36 UK Peer to Peer Lending Market, 2023 - 2030, USD Million
- TABLE 37 UK Peer to Peer Lending Market by Business Model, 2019 - 2022, USD Million
- TABLE 38 UK Peer to Peer Lending Market by Business Model, 2023 - 2030, USD Million
- TABLE 39 UK Peer to Peer Lending Market by Loan Type, 2019 - 2022, USD Million
- TABLE 40 UK Peer to Peer Lending Market by Loan Type, 2023 - 2030, USD Million
- TABLE 41 UK Peer to Peer Lending Market by End User, 2019 - 2022, USD Million
- TABLE 42 UK Peer to Peer Lending Market by End User, 2023 - 2030, USD Million
- TABLE 43 France Peer to Peer Lending Market, 2019 - 2022, USD Million
- TABLE 44 France Peer to Peer Lending Market, 2023 - 2030, USD Million
- TABLE 45 France Peer to Peer Lending Market by Business Model, 2019 - 2022, USD Million
- TABLE 46 France Peer to Peer Lending Market by Business Model, 2023 - 2030, USD Million
- TABLE 47 France Peer to Peer Lending Market by Loan Type, 2019 - 2022, USD Million
- TABLE 48 France Peer to Peer Lending Market by Loan Type, 2023 - 2030, USD Million
- TABLE 49 France Peer to Peer Lending Market by End User, 2019 - 2022, USD Million
- TABLE 50 France Peer to Peer Lending Market by End User, 2023 - 2030, USD Million
- TABLE 51 Russia Peer to Peer Lending Market, 2019 - 2022, USD Million
- TABLE 52 Russia Peer to Peer Lending Market, 2023 - 2030, USD Million
- TABLE 53 Russia Peer to Peer Lending Market by Business Model, 2019 - 2022, USD Million
- TABLE 54 Russia Peer to Peer Lending Market by Business Model, 2023 - 2030, USD Million
- TABLE 55 Russia Peer to Peer Lending Market by Loan Type, 2019 - 2022, USD Million
- TABLE 56 Russia Peer to Peer Lending Market by Loan Type, 2023 - 2030, USD Million
- TABLE 57 Russia Peer to Peer Lending Market by End User, 2019 - 2022, USD Million
- TABLE 58 Russia Peer to Peer Lending Market by End User, 2023 - 2030, USD Million
- TABLE 59 Spain Peer to Peer Lending Market, 2019 - 2022, USD Million
- TABLE 60 Spain Peer to Peer Lending Market, 2023 - 2030, USD Million
- TABLE 61 Spain Peer to Peer Lending Market by Business Model, 2019 - 2022, USD Million
- TABLE 62 Spain Peer to Peer Lending Market by Business Model, 2023 - 2030, USD Million
- TABLE 63 Spain Peer to Peer Lending Market by Loan Type, 2019 - 2022, USD Million
- TABLE 64 Spain Peer to Peer Lending Market by Loan Type, 2023 - 2030, USD Million
- TABLE 65 Spain Peer to Peer Lending Market by End User, 2019 - 2022, USD Million
- TABLE 66 Spain Peer to Peer Lending Market by End User, 2023 - 2030, USD Million
- TABLE 67 Italy Peer to Peer Lending Market, 2019 - 2022, USD Million
- TABLE 68 Italy Peer to Peer Lending Market, 2023 - 2030, USD Million
- TABLE 69 Italy Peer to Peer Lending Market by Business Model, 2019 - 2022, USD Million
- TABLE 70 Italy Peer to Peer Lending Market by Business Model, 2023 - 2030, USD Million
- TABLE 71 Italy Peer to Peer Lending Market by Loan Type, 2019 - 2022, USD Million
- TABLE 72 Italy Peer to Peer Lending Market by Loan Type, 2023 - 2030, USD Million
- TABLE 73 Italy Peer to Peer Lending Market by End User, 2019 - 2022, USD Million
- TABLE 74 Italy Peer to Peer Lending Market by End User, 2023 - 2030, USD Million
- TABLE 75 Rest of Europe Peer to Peer Lending Market, 2019 - 2022, USD Million
- TABLE 76 Rest of Europe Peer to Peer Lending Market, 2023 - 2030, USD Million
- TABLE 77 Rest of Europe Peer to Peer Lending Market by Business Model, 2019 - 2022, USD Million
- TABLE 78 Rest of Europe Peer to Peer Lending Market by Business Model, 2023 - 2030, USD Million
- TABLE 79 Rest of Europe Peer to Peer Lending Market by Loan Type, 2019 - 2022, USD Million
- TABLE 80 Rest of Europe Peer to Peer Lending Market by Loan Type, 2023 - 2030, USD Million
- TABLE 81 Rest of Europe Peer to Peer Lending Market by End User, 2019 - 2022, USD Million
- TABLE 82 Rest of Europe Peer to Peer Lending Market by End User, 2023 - 2030, USD Million
- TABLE 83 Key Information - Harmoney Corp Limited
- TABLE 84 Key Information - LendingTree, LLC
- TABLE 85 Key Information - goPeer Corporation
- TABLE 86 Key Information - Linked P2P Limited
- TABLE 87 Key Information - Lending Loop
- TABLE 88 Key Information - MoneyMe Limited
- TABLE 89 Key Information - Funding Circle Limited
- TABLE 90 Key Information - Upstart Network, Inc.
- TABLE 91 Key Information - LendingClub Bank
- TABLE 92 Key Information - Prosper Funding LLC
