Ana Odorović - Crowdfunding Platforms in Europe

The European Crowdfunding Market Report 2023 reveals a weak association between platform age and crowdfunding volumes, indicating no early mover advantages. Platform formation peaked 8-9 years ago, with fewer new entrants since. Lending platforms have the highest foreign backer volumes (17.4% in 2021, 12% in 2022), while non-investment platforms have the lowest (0.1% in both years). Northern Europe leads in foreign backer volumes (32.6% in 2021, 24.9% in 2022), with Western Europe the lowest (2.1% in 2021, 2.6% in 2022). Two-thirds of investment platforms collaborate with traditional financial institutions, and about 10% are owned by them. While 60% of platforms offer one model, Eastern Europe has the highest share of multi-model platforms (54%). Popular combinations include revenue sharing with equity crowdfunding and P2P business with P2P property lending. Additionally, details on interest and default rates for crowdlending platforms are provided.

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