The alternative lending in this region is expected to grow by 12.6% on an annual basis to reach US$6.34 billion in 2024.
Medium to long term growth story of alternative lending in France remains strong. Alternative lending adoption is expected to grow steadily over the forecast period, recording a CAGR of 8.3% during 2024-2028. The alternative lending market in the country will increase from US$5.64 billion in 2023 to reach US$8.72 billion by 2028.
The alternative lending sector in France has shown resilience and growth, driven by increased demand for flexible financing solutions and innovations like peer-to-peer lending. With continued regulatory support and strategic partnerships, the sector is poised for further expansion, especially in consumer credit and SME lending, as it adapts to changing economic conditions.
It breaks down market opportunity by type of payment instrument, loan types, and consumer behavior. In addition, it provides a snapshot of marketing objective and industry spend dynamics in France. KPIs in both value and share term help in getting in-depth understanding of end market dynamics.
The publisher’s research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to offer a detailed view on emerging business and investment market opportunities.
Medium to long term growth story of alternative lending in France remains strong. Alternative lending adoption is expected to grow steadily over the forecast period, recording a CAGR of 8.3% during 2024-2028. The alternative lending market in the country will increase from US$5.64 billion in 2023 to reach US$8.72 billion by 2028.
The alternative lending sector in France has shown resilience and growth, driven by increased demand for flexible financing solutions and innovations like peer-to-peer lending. With continued regulatory support and strategic partnerships, the sector is poised for further expansion, especially in consumer credit and SME lending, as it adapts to changing economic conditions.
Growth in the Alternative Lending Sector
Alternative lending in France has experienced varied trends, with a notable increase in demand for flexible financing solutions as traditional banks tighten their lending criteria. The sector is expected to grow in the next few months, particularly in sub-segments such as consumer credit and peer-to-peer lending, as borrowers seek alternative sources to meet their financial needs amidst economic uncertainties. This shift highlights the resilience and adaptability of alternative lenders in responding to changing market dynamics.Key Developments in the Alternative Lending Sector
Product Launches and Innovations
- October's New SME Lending Platform: This platform provides tailored financing solutions for small and medium-sized enterprises (SMEs), enhancing access to credit for businesses that may struggle with traditional banking options.
- Innovative Peer-to-Peer Lending Solutions: Several platforms have introduced new peer-to-peer lending options that allow individual investors to fund loans directly to borrowers. These options aim to streamline the lending process and offer competitive interest rates.
Regulatory Changes
Key regulatory and government policy developments in the alternative lending sector in France include:
- New Banking and Financial Regulation Law: This legislation has established the Autorité des Marchés Financiers (AMF) as the regulatory body responsible for overseeing credit-rating agencies, enhancing market stability and investor protection. It also introduces a liability regime for these agencies, allowing clients and third parties to seek compensation for losses due to non-compliance.
- Prudential Control Authority Enhancements: The Prudential Control Authority (Autorité de Contrôle Prudentiel) continues to play a crucial role in ensuring consumer protection and financial stability. Recent measures focus on monitoring compliance with banking regulations and promoting transparency in the alternative lending market.
It breaks down market opportunity by type of payment instrument, loan types, and consumer behavior. In addition, it provides a snapshot of marketing objective and industry spend dynamics in France. KPIs in both value and share term help in getting in-depth understanding of end market dynamics.
The publisher’s research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to offer a detailed view on emerging business and investment market opportunities.
Scope
This report provides in-depth data-centric analysis of Alternative Lending industry in France through 125 tables and 150 charts. Below is a summary of key market segments.France Economic Indicators
- Gross Domestic Product at Current Prices
- Population
- Unbanked Population
- Unemployment Rate
- Loan Default Rate
France Alternative Lending Market Size and Forecast
- Transaction Value
- Average Transaction Value
- Transaction Volume
France Alternative Lending Market Size and Forecast by End User
- End User - Business
- End User - Consumer
France Alternative Lending Market Size and Forecast by Finance Models
- P2P Marketplace Consumer Lending
- P2P Marketplace Business Lending
- P2P Marketplace Property Lending
- Balance Sheet Consumer Lending
- Balance Sheet Business Lending
- Balance Sheet Property Lending
- Invoice Trading
- Debt Based Securities
- Equity Based Crowd Funding
- Real Estate Crowd funding
France Alternative Lending Market Size and Forecast by Payment Instrument - Transaction Value, Volume and Average Value
- Cash
- Cheques
- Credit Transfer
- Direct Debits
- Debit Card
- Credit Card
- E- Money
France Alternative Lending Market Size and Forecast by Payment Instrument to Model
Alternative Lending Market Size and Forecast by Payment Instrument to P2P Marketplace Consumer Lending
- Cash
- Cheques
- Credit Transfer
- Direct Debits
- Debit Card
- Credit Card
- E- Money
Alternative Lending Market Size and Forecast by Payment Instrument to P2P Marketplace Business Lending
- Cash
- Cheques
- Credit Transfer
- Direct Debits
- Debit Card
- Credit Card
- E- Money
Alternative Lending Market Size and Forecast by Payment Instrument to P2P Marketplace Property Lending
- Cash
- Cheques
- Credit Transfer
- Direct Debits
- Debit Card
- Credit Card
- E- Money
Alternative Lending Market Size and Forecast by Payment Instrument to Balance Sheet Consumer Lending
- Cash
- Cheques
- Credit Transfer
- Direct Debits
- Debit Card
- Credit Card
- E- Money
Alternative Lending Market Size and Forecast by Payment Instrument to Balance Sheet Business Lending
- Cash
- Cheques
- Credit Transfer
- Direct Debits
- Debit Card
- Credit Card
- E- Money
Alternative Lending Market Size and Forecast by Payment Instrument to Balance Sheet Property Lending
- Cash
- Cheques
- Credit Transfer
- Direct Debits
- Debit Card
- Credit Card
- E- Money
Alternative Lending Market Size and Forecast by Payment Instrument to Invoice Trading
- Cash
- Cheques
- Credit Transfer
- Direct Debits
- Debit Card
- Credit Card
- E- Money
Alternative Lending Market Size and Forecast by Payment Instrument to Debt Based Securities
- Cash
- Cheques
- Credit Transfer
- Direct Debits
- Debit Card
- Credit Card
- E- Money
Alternative Lending Market Size and Forecast by Payment Instrument to Equity Based Crowd Funding
- Cash
- Cheques
- Credit Transfer
- Direct Debits
- Debit Card
- Credit Card
- E- Money
Alternative Lending Market Size and Forecast by Payment Instrument to Real Estate Crowd funding
- Cash
- Cheques
- Credit Transfer
- Direct Debits
- Debit Card
- Credit Card
- E- Money
France Alternative Lending Market Size and Forecast by Loan Types
- B2C Loans
- Personal Loan
- Payroll Advance
- Home Improvement
- Education/Student Loans
- Point of Sale
- Auto Loans
- Medical Loans
- B2B Loans
- Lines of Credit
- Merchant Cash Advance
- Invoice Factoring
- Revenue Financing
France Alternative Lending Analysis by Consumer Attitude and Behaviour
- By Age
- By Income
- Gender
Reasons to buy
- Gain a thorough understanding of the Alternative Lending market dynamics: Market opportunities, significant trends, and forecasting (2019 - 2028) are listed. To stay ahead of the curve, comprehend market trends using important KPIs like Value and Share.
- Insights by Industry: Evaluate new opportunities across multiple industries, and obtain market dynamics by industry in order to swiftly catch up with the latest and upcoming developments in Alternative Lending markets.
- Market-specific strategies: With our unique blend of quantitative forecasting and cutting-edge insights, we can identify growth sectors that are focused on particular opportunities and analyse market-specific risks as well as significant trends in the Alternative Lending industry.
- Through industry intelligence, forward-looking research of Alternative Lending market spend, and key opportunities in France, develop proactive and profitable company plans.
Table of Contents
1. About this Report
2. France Economic Indicators
3. France Alternative Lending Industry Attractiveness
4. France Alternative Lending Market Size and Forecast by End User
5. France Alternative Lending Market Size and Forecast by Finance Models
6. France Alternative Lending Market Size and Forecast by Payment Instrument
7. France Alternative Lending Market Size and Forecast by Payment Instrument to Model
8. France Alternative Lending Market Size and Forecast by Loan Types
9. France Alternative Lending Analysis by Consumer Attitude and Behaviour
10. Further Reading
Table Information
| Report Attribute | Details |
|---|---|
| No. of Pages | 189 |
| Published | September 2024 |
| Forecast Period | 2024 - 2028 |
| Estimated Market Value ( USD | $ 6.3 Billion |
| Forecasted Market Value ( USD | $ 8.7 Billion |
| Compound Annual Growth Rate | 8.3% |
| Regions Covered | France |
