While you are deciding on whether to invest in direct lending propositions, Wall Street is rushing in.
The application of blockchain technology will only increase its value as it opens-up new markets, reduces costs and increases efficiencies.
While P2P lending has been successfully working for more than a decade, there are some misconceptions holding P2P investing back.
We will go through (some) of these and show how we are playing the part in shortening the bridge to make P2P lending an investable asset class.
The void left in SME financing filled in by crowdfund platforms and P2P providers is being closely monitored by traditional players.
Especially banks are ramping up their efforts, making use of new technologies and low interest rates to take their share back.
Big banks are breaking in.
Ever since the crisis in 2008 we have seen that rapid swings in the markets can come when a lack of liquidity appears. The paradox with liquidity is that it disappears at times when you need it the most. So let’s elaborate on what it is to have liquidity in ones portfolio, What are liquid positions? How do we manage it, and what happens without it. Then we focus on how we manage or make liquid positions when setting up a P2P investment portfolio.
Invesdor strenghtening itself again.
When people talk about their own silicon valley or where the magic happens in disruptive technologies, its the Baltics you can’t miss in EU Fintech.
Traditional wealth and money managers are failing in their performance and are desperately looking for alternatives. Pension funds who should be taking care of your financial future are performing miserably.
The Dutch government will guarantee up to 75 per cent of certain loans originated by Funding Circle NL.
With the EU planning to regulate crowdfunding as an alternative way to finance projects and ventures, startup companies may see deeper funding options, and investment opportunities should widen.
With yields on savings being low, the desire to look elsewhere to make yield has never been bigger.
Fear of missing out (FOMO) is pushing investors in to riskier asset classes such as crypto currencies, but it doesn’t seem wise, due to the speculative nature.
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Whilst crowdfunding platforms carry out their own due diligence procedures before allowing companies onto their platform, investors should be encouraged to manage their own risk.
The approach applied should be specific to the goals, sophistication and net worth of the individual investor.
China has banned initial coin offerings (ICOs) – the red hot method of raising money using cryptocurrency based tokens, according to a report by Reuters.
The action was described as putting on the brakes so regulators could better understand the fast emerging ecosystem to raise money in these tokenized offerings.
The cabinet in The Netherlands announced last week that the next cabinet will have the mission to regulate the crowdfunding industry pushing for more disclosure.
Meanwhile the FCA will be looking to force more disclosure from p2p lending platforms already regulated.
Growing interest in the asset class from institutional investors for both debt and equity in fintech lending platforms has been a strong feature of recent years.
New financial instruments are the creators of financial bubbles. No one really knows how they work and few can value them correctly. This was the case with collateralized debt instruments in the credit crunch of 2007, and it is now the case with Bitcoin and the block chain technology that powers it.