Millennials fuel P2P investment surge

According to the latest research, Robocash's core audience consists of millennial men with an average investment of up to €5,000. At the same time, the platform is becoming more appealing to a broader demographic, as well as geographically.

Robocash analysts studied how the profile of the platform's investors has changed over the past year.

Currently, the majority of investors on Robocash are aged 29-44. However, since 2024, the share of the 45-60 age group has increased from 31% to 34%. "This may reflect diversification of the investor base and growing confidence among more experienced users who may be seeking stable investment opportunities". - Robocash analysts comment.

Over the past year, the share of female investors has grown and currently accounts for almost 14% of the active user base. French and Spanish users make up the main investor base, along with Germans. But while the latter are showing a downward trend, investors from the Netherlands, Belgium, and Switzerland are becoming actively involved.

The vast majority of investors manage up to 10 portfolios, although there is a tiny segment of highly active users with over 100 portfolios. ""Most investors want to have a simple and automated tool for passive income, hence the overwhelming tendency for a small count of portfolios per user. However, some investors leverage the platform to build extensive investment strategies and test different approaches by using multiple portfolios".

A remarkable 76% of platform users invest up to €5,000 on average. Another 11% are raising their investments to €10,000. "Most P2P investors prefer smaller, accessible investment amounts. At the same time, the fact that some people are willing to invest larger sums suggests that the P2P industry remains a viable alternative to traditional passive income sources." - the analysts conclude.

ROBOCASH d.o.o
Petračiceva 4, Zagreb, Croatia, 10110
media@robo.cash

Anastasia Palamarchuk
Lead Investor Relations Specialist
a.palamarchuk@robo.cash

Robo.cash is a Croatia-based fully automated investment platform with a buyback guarantee on investments operating within the European Union, the UK and Switzerland. Launched in February 2017, the platform belongs to the financial holding UnaFinancial that provides fintech services across fast-growing markets in Asia and Europe. As a part of the holding, Robo.cash works according to a "peer-to-portfolio" model providing an opportunity to invest in consumer and commercial loans issued by the affiliated companies. As of August 31, 2025, it has attracted €80M of investments and funded over €1.2B worth of loans.

This release was published on openPR.