More than half of investors incorporate P2P alongside bank deposits

75% of investors favor P2P as a complementary asset. The investment platforms offer compelling opportunities, but investors acknowledge higher risks compared to traditional financial instruments.

Almost half of investors (49%) see P2P lending as a strategic tool to diversify their portfolios. Another 45% are drawn by its potential for higher returns. These insights come from the latest survey conducted by the Robocash investment platform.

At the same time, the majority of respondents consider P2P as a valuable supplement rather than a replacement for traditional assets. 44% acknowledge that such investments entail certain risks that require careful consideration.

The primary concern (49%) among investors is the risk of insolvency of a platform, followed by borrowers' defaults (39%). "This underscores the importance of thorough due diligence and platform selection. Opting for platforms with a solid reputation and a responsible approach to commitments can help investors make more informed decisions and better manage potential risks". - the Robocash analysts comment on the survey's results.

Taking all factors into account, 18% of investors believe that P2P remains a suitable option for beginners. But while it can be an accessible entry point into investing, more than half of respondents emphasize the need for proper guidance to navigate the risks effectively.

"P2P investments are indeed attractive in terms of ease of management and profitability, making strong competition to other instruments. However, as the industry advances, continuous due diligence and risk oversight remain vital for investors looking to benefit from this dynamic financial segment". - the specialists add.

ROBOCASH d.o.o
Petračiceva 4, Zagreb, Croatia, 10110
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.