xplanation from the CEO of Maclear Swiss Platform on why there should be more crowdlending platforms in Europe. Article published September 2025: Why does Europe need P2P Platforms? . Spoiler: the reason lies in the fact that Europeans are not diversifying their assets. Let me explain you: Europeans are among the world’s most diligent savers. In 2023, households saved around13% of their income, which is much higher than the 8% compared to the U. S.. Yet despite high savings, much of this capital is not being directed to fuel innovation or growth. Here are some European factors noted by Christine Lagarde that I can fully agree with: 1. Savings are gathered in low-yield deposits — Europeans hold about €11.5 trillion in cash and deposits, one-third of all household financial assets. — In contrast, in the US, only around 10% of assets sit in deposits. — For many Europeans, the default option remains guaranteed accounts — Safe, but with low or even negative real returns after in...
Passive Income as investment key to reach Financial Freedom