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Increase In Smartphone Penetration Fueling The Growth Of The Market Due To Enhanced Accessibility To Digital Financial Services Driving Market Acceleration in the Online Alternative Finance Industry, 2025
Online Alternative Finance
How Large Will the Online Alternative Finance Market Size By 2025?
The rapid expansion of the online alternative finance market size has been noticed in the last few years, with projections stipulating its increase from $15.56 billion in 2024 to $18.94 billion in 2025. This substantial hike can be calculated at a compound annual growth rate (CAGR) of 21.8%. The major growth drivers during the historical period include increasing global fintech investments, a surge in investor campaigns powered by social media, a rise in the tokenization of assets, the development of hybrid models, and the emergence of online investment platforms specifically for real estate.
How Big Is the Online Alternative Finance Market Size Expected to Grow by 2029?
Anticipations are high for a robust expansion of the online alternative finance market in the upcoming years. The projected growth points toward the market attaining a value of $41.12 billion by 2029, experiencing a compound annual growth rate (CAGR) of 21.4%. This progression during the forecast period can be credited to factors such as improved financial awareness, increased capital inputs in digital setup, enhancing penetration of smartphones, a burgeoning demand from small and medium businesses, and broader access to web-based financial services. Pertinent trends for the forecast period would encompass advances in technology, blockchain innovations, integration of digital technologies, employment of artificial intelligence, and utilization of machine learning.
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Which Key Market Drivers Powering Online Alternative Finance Market Expansion and Growth?
The expected surge in the usage of smartphones is projected to boost the expansion of the online alternative finance sector. Emerging as a handheld electronic gadget, smartphones have combined mobile communication, internet connectivity, and various computer functions, which makes communication, browsing, and running different apps possible for users. The affordability of smartphones is increasing, leading to its growing penetration, thus making sophisticated mobile technology more accessible to large sections of society. The omnipresent access to smartphones propels online alternative finance by enabling users to readily utilize financial services through mobile applications for diverse tasks like applying for loans, investing, and online transactions, regardless of their location. For example, a report from Uswitch Limited, a UK enterprise offering online and telephone comparison services, stated in February 2023 that, as of 2022, there were 71.8 million active mobile subscriptions, marking a 3.8% uptick from 2021. Furthermore, it's anticipated that by 2025, there will be 68.3 million individuals in the UK, with 95% of them having smartphones. Hence, the surging penetration of smartphones is fuelling the growth trajectory of the online alternative finance sector.
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Which Fast-Growing Trends Are Poised to Disrupt the Online Alternative Finance Market?
Leading firms in the web-based alternative finance market are actively working towards creating innovative options, such as digital investment platforms, to increase the speed, ease of use, and effectiveness of financial solutions for underprivileged businesses and individuals. These digital investment platforms are internet-based tools that provide a platform for users to invest in different types of investments including bonds, stocks, or mutual funds through websites or the use of mobile applications. For example, in April 2025, Keyaki Capital, a Japanese alternative investment solutions company, introduced the Online Private Asset Investment Platform. This platform offers wealthy individuals a digital platform to access private investment funds such as private equity and private credit. This launch signified a significant step towards democratizing access to high-grade private market investments in Japan, which were hard to access before. This platform, registered under Japan's Financial Instruments and Exchange Act, centralizes on transparency, accessibility, and investor protection. During its launch, the platform presented a Private Credit Fund and the Marina Investment Fund with future plans of adding more strategies including venture capital, real estate, and extra private capital. Keyaki Capital is using this technology-driven platform to revolutionize private investing in Japan.
What Are the Emerging Segments in the Online Alternative Finance Market?
The online alternative finance market covered in this report is segmented -
1) By Type: Peer-To-Peer Lending, Invoice Trade, Crowdfunding, Other Types
2) By Platform: Web Based Platforms, Mobile Applications, Blockchain Based Platforms, Bank Affiliated Platforms, Third Party Aggregator Platforms
3) By End-Use: Individual, Businesses
Subsegments:
1) By Peer-To-Peer Lending: Personal Loans, Business Loans, Real Estate Loans, Education Loans
2) By Invoice Trade: Invoice Factoring, Invoice Discounting, Reverse Factoring, Dynamic Discounting
3) By Crowdfunding: Donation-Based, Reward-Based, Equity-Based, Debt-Based
4) By Other Types: Microfinancing Platforms, Revenue-Based Financing, Online Direct Lending, Community Investment Platforms
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Who Are the Global Leaders in the Online Alternative Finance Market?
Major companies operating in the online alternative finance market are PayPal Holdings Inc., Debitum Investments, Social Finance Inc., Upstart Holdings Inc., BlueVine Capital Inc., Kabbage Inc., Funding Circle Holdings plc, Landbay Partners Limited, Mintos, OurCrowd Ltd., Indiegogo Inc., Bondora Go & Grow, Kickstarter PBC, Assetz Capital Limited, Kiva Microfunds, Viainvest, LendingClub Corporation, Prosper Marketplace Inc., Monetfit Smartsaver, Peerform.
Which are the Top Profitable Regional Markets for the Online Alternative Finance Industry?
North America was the largest region in the online alternative finance market in 2024. The regions covered in the online alternative finance market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa.
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