Peak P2P seasonality expected in December
The monthly volume of funding raised by P2P platforms traditionally grows in December. Geographically, the Baltic countries show the greatest stability over the year.
Robocash platform specialists analyzed the behavior of the European P2P lending market over the past 6 years.
In the Consumer and Business segment, the top three months in terms of increased seasonality are December, July and March. The decline is clearly visible in September, February and April. It is most likely that the frequency of investment cycles is among the main factors of influence.
“Investors prefer to start preparing for the next investment year in December, increasing investments and often having material grounds for this in the form of annual bonuses, for example. Then they reactivate after 2-3 month periods of approbation of their strategies,” - the analysts comment on the results of the study.
In terms of geography, the lower seasonal coefficient in October is seen in Central and Western Europe. In Southern Europe, a similar situation is observed in January-February. In the Baltics, the whole year is characterized by a very even range of indicators, although with a general correspondence to the traditional seasonal fluctuations for the market.
“On Robo.cash, the beginning of autumn is also marked by a decrease in investor activity, which confirms the general trend in the market. We note a special activation of platform investors in May. This may also be due to their interest in long-term investments in the Philippines, which were launched on the platform in May last year”, - add experts.