Robo.cash Researchers Analyze Surge in P2P Investment Activity as 2021 Comes to an End

The end of the year 2021 has seen a surge in peer-to-peer investment activity, according to an update from Croatian P2P lender Robo.cash.

Robo.cash analysts write in a blog post that the past 3 months of the year “tend to increase P2P investors’ activity.” The update also noted that concerns about market behavior in October and financial plans for the new year “are prompting them to diversify their investments.”

The investment platform Robo.cash “analyzed 43 European P2P platforms of consumer and business segments for the seasonality influence.”

According to the research, October is the month of “the highest investor activity.”

It is noteworthy that “for the past 5 years it shows significant MoM growth compared to September, on average by 16%.”

Robocash analysts added:

“This increase in the demand might be attributed to the negative psychological reputation of October as a ‘disastrous’ month in traditional investing. P2P loans look like an excellent diversification option in this regard.”

According to the analysts, another possible reason for the investors’ activation during this period is “the summing up of personal finance accomplishments and thereby creating a reserve for the new year.”

Robocash’s update continued:

“However, despite the identified presence of monthly peaks in the activity of European P2P investors, within the months themselves, there is no clear pattern in this regard.”

The analysts also mentioned:

“The bursts occur at different times and can be explained by both market conditions and marketing events held by the platforms. A relatively common point is only the activation of investors at the end and beginning of each month, especially at the end of December as the final month of the year.”

As covered recently, Robocash had shared the key results for the month of November 2021.

Robo.cash writes in a blog post that less than a month before Christmas, they are “pleased to share the platform’s news for November.”

The lending platform noted that loans worth 17 million euro “were financed in November – a new record for Robo.cash.” The company added that the total number of investors has “grown by 796, totaling to 21,110 investors on the platform.”

The firm also mentioned that “the amount earned by investors in a single month has reached 336,408 euro.”

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