Peer-to-Peer Lending Market Size Share & Growth Report by 2033

Research Methodology – Peer-to-Peer Lending Market

At Straits Research, we adopt a rigorous 360° research approach that integrates both primary and secondary research methodologies. This ensures accuracy, reliability, and actionable insights for stakeholders. Our methodology for the Peer-to-Peer Lending Market comprises the following key stages:

Market Indicator & Macro-Factor Analysis

Our baseline thesis for the Peer-to-Peer Lending Market is developed by integrating key market indicators and macroeconomic variables. These include:

Factors considered while calculating market size and share

The overall number of platform users and registered borrowers and lenders
Total number of loans established and the average loan size
Regional market penetration
Regulatory environment and its impact on the industry growth in specific regions
Market presence and competitive landscape (Key Players and their market share)
Growth of online and digital platforms
Performance of specific loan types (commercial, personal, educational, etc.)
The total value of Peer-to-Peer (P2P) transactions

Key Market Indicators

Year-on-year growth rate of the market
Compound Annual Growth Rate (CAGR)
Default rates on P2P loans
Type and amount of loans (unsecured vs secured, small vs large)
Percentage of repeat lenders and borrowers
Nature of borrowers (individuals vs businesses)
Regulatory changes and their impact on the borrowed amount, market size, and market share
The volume of cross-border transactions

Growth Trends

Increasing adoption of digital platforms and smartphones, enabling easy access to P2P lending
Greater acceptance and usage by both borrowers and investors due to simple process and high returns
Growth of fintech companies and startups in the P2P lending space
Shift from traditional banking, especially among younger borrowers
Rising awareness and understanding of P2P lending models
Increasingly supportive regulatory environments in many regions
Increase in cross-border P2P transactions, facilitated by digital platforms

Secondary Research

Our secondary research forms the foundation of market understanding and scope definition. We collect and analyze information from multiple reliable sources to map the overall ecosystem of the Peer-to-Peer Lending Market. Key inputs include:

Company-Level Information

Annual reports, investor presentations, SEC filings
Company press releases and product launch announcements
Public executive interviews and earnings calls
Strategy briefings and M&A updates

Industry and Government Sources

Country-level industry associations and trade bodies
Government dossiers, policy frameworks, and official releases
Whitepapers, working papers, and public R&D initiatives
Relevant Associations for the Peer-to-Peer Lending Market

Market Intelligence Sources

Broker reports and financial analyst coverage
Paid databases (Hoovers, Factiva, Refinitiv, Reuters, Statista, etc.)
Import/export trade data and tariff databases
Sector-specific journals, magazines, and news portals

Macro & Consumer Insights

Global macroeconomic indicators and their cascading effect on the industry
Demand–supply outlook and value chain analysis
Consumer behaviour, adoption rates, and commercialization trends

Primary Research

To validate and enrich our secondary findings, we conduct extensive primary research with industry stakeholders across the value chain. This ensures we capture both qualitative insights and quantitative validation. Our primary research includes:

Expert Insights & KOL Engagements

Key Opinion Leader (KOL) Engagements
Structured interviews with executives, product managers, and domain experts
Paid and barter-based interviews across manufacturers, distributors, and end-users

Focused Discussions & Panels

Discussions with stakeholders to validate demand-supply gaps
Group discussions on emerging technologies, regulatory shifts, and adoption barriers

Data Validation & Business POV

Cross-verification of market sizing and forecasts with industry insiders
Capturing business perspectives on growth opportunities and restraints

Data Triangulation & Forecasting

The final step of our research involves data triangulation ensuring accuracy through cross-verification of:

Demand-side analysis (consumption patterns, adoption trends, customer spending)
Supply-side analysis (production, capacity, distribution, and market availability)
Macroeconomic & microeconomic impact factors

Forecasting is carried out using proprietary models that combine: