Peer To Peer Lending and Crowdfunding: Understanding Your Market

As a comparatively new P2P lending platform it is necessary for us to be particularly profound on data gathering since it will help us understand our market so as to make sure we are not having any groundless assumptions. A recent research activity was carried on the investment habits of the British people which revealed a few unexpected changes currently happening.

Although men are approximately twice as likely to hold shares and stocks as women, both are equally as likely to have contributed in a peer to peer lending or a crowdfunding opportunity.

So what is it about crowdfunding and peer-to-peer lending that attracts women in a manner that the stock market doesn’t?

The answer is simple: transparent information offered by financing via peer-to-peer lending and crowdfunding, and the opportunities being offered that allow investors to get better returns – perhaps women are just being very attuned to identifying a good deal?

Both men and women have a lot of investment practices in common. There is a very slight dissimilarity in both genders when it comes to identifying whether the investment is ethical. There is also a little variation about this in terms of viewing the data in any other ways such as by geography. Actually, age is the only thing that plays a role in specifying different groups when it comes to ethical financing. Individuals who are 18 to 24 years old are probably concerned by this compared to people who are 55 years old and above.

Also, men and women show tiny differences in attitude towards deciding on their investment choices based on whether they are good for British businesses in general.

Peer To Peer Lending and Crowdfunding: Understanding Your Market

Another aspect where both genders differ is in the method that they use in the investment decision making procedure.  Extensive research was conducted and it showed that women are more disinclined to risks.

Women are unsurprisingly clever to the point that they want to know first what risks are involved with the investment. But this does not mean that they don’t go on and take the opportunity, they only want to make an informed decision.

Oppositely, men are more concerned with the possible advantage but then again this does not imply that they do not think about the potential risk at all.

Whatever the approach both genders may take, it doesn’t matter for as long as they take into consideration the answers to their key investment questions before investing.

So what does this intend to convey?

As part of the P2P lending industry, there is no need for us to worry about the kind of method each gender will make use of since we only need to build a platform that will deliver the kind of information necessary to motivate investors.

Additionally, we need to ensure that our P2P platform is authorised and regulated by the Finance Conduct Authority (FCA) to make sure that retail investors will have access to accurate information.

At Stratosphere peer to peer lending, our business model is very simple; raising funds from a group of savers/investors (the lender) for property investors and developers (the borrower) giving lenders a fixed rate of return over a fixed term with some security attached to protect your investment (normally as a first charge) against an asset the borrower owns (the property).

If this is something you would like to consider as an investor, please get in touch with us by first registering your interest using our lenders application contact page and a representative will get in contact with you.