Changes in Crowd Investors' Preferences since the Beginning of the Pandemic

The pandemic has affected all sectors to a greater or lesser extent. Ours, crowdlending, has also undergone various changes, as analyzed by Jesús Arias in a specialized blog. The most relevant data is that the average invested volume has fallen by more than 60% since the onset of the pandemic, without showing signs of recovery despite nearing the end of the year.

What's interesting is that not all platforms have experienced a decline; others have strengthened. This is not due to their performance, but to investor behavior. Given the current situation, investors prefer more transparent and reliable platforms and diversify much more than before into assets perceived as lower risk with guarantees. Traditional crowdlending sectors, focused on loans to individuals or companies without collateral, only show a 2% month-on-month growth in invested volume. Sectors that were considered minority until recently, such as investment in invoices and promissory notes and crowdlending with mortgage guarantees, are growing by 6%. At Inversa, we have corroborated this growth, as our data has improved lately. In the last month, investors have increased by 3.8%, and the average profitability has also improved. Currently, we have financed more than 7.3 million euros distributed across 1,100 invoices. We hope this means we are doing things right and that we continue on the same path.

Impressions in the crowdlending community focus on an increasing number of investors giving more importance to underlying assets with some form of guarantee, and reducing the importance of factors such as profitability or gross return. Additionally, as mentioned earlier, trust and transparency have become very relevant, with the platform's country guarantee standing out. A migration of users from platforms with deficiencies in their communication to other more transparent platforms with quality customer service that offer more confidence is being observed.

In conclusion, it should be noted that due to the current situation caused by Covid-19, investors have become more demanding and critical, so they consult more sources of information and evaluate more available investment options, spending more time on decision-making (Due Diligence).

At Inversa, we are transparent and strive to offer impeccable customer service. We take this opportunity to remind you that for any questions or inquiries, do not hesitate to contact us, as we will be delighted to assist you.