Digital Capital Raising - Morocco

The Digital Capital Raising market market in Morocco is projected to reach a total transaction value of US$264.60k in 2024.
MarketCrowdinvesting leads the market with a projected total transaction value of US$260.30k in 2024.
When compared globally, the United States achieves the highest cumulated transaction value of US$36bn in 2024.
Morocco is increasingly embracing digital platforms for capital raising, revolutionizing the traditional methods in the country's financial market.

Definition:

The Digital Caiptal Raising segment relates to digital financial services for business customers, and private borrowers. Included are Crowdinvesting models, which focus particularly on start-ups exchanging investment for company shares (equity-based), and Crowdfunding solutions, which are used for non-monetary compensation, for example product launches, music, art & film financing (reward-based). The market also includes bank-independent loan allocation for SMEs (Crowdlending) and for personal loans (Marketplace Lending or so-called Peer-to-Peer lending) through private or institutional investors via online platforms. In view of processing complexity, this market is focused on small and medium-sized enterprises (SMEs), freelancers and private persons. Bank financing is not considered, neither are any financial aspects that reach beyond the scope of small and medium-sized enterprises or donation-based Crowdfunding models.

Structure:

Digital Capital Raising consists of Reward-Based Crowdfunding, Crowdinvesting, Crowdlending and Marketplace Lending.

Additional Information:

The market comprises of transaction values, campaigns, average funding per campaign.

Alternative financing for SMEs and freelancers
Equity-based Crowdfunding (or Crowdinvesting)
Reward-based Crowdfunding (or Crowdfunding)
Alternative lending for SMEs and freelancers (bank-independent loans)
Online marketplaces for personal loan applications and private investors
Peer-to-Peer loans with interest rates depending on internal credit scoring of the platform provider

Traditional bank loans
Traditional venture capital investments by institutional or private investors

Morocco, a country known for its rich culture and historical landmarks, is also experiencing significant developments in the Digital Capital Raising market. With a growing economy and a tech-savvy population, Morocco is seeing a surge in digital capital raising activities.

Customer preferences: Moroccan customers are increasingly turning to digital platforms for their capital raising needs. This shift can be attributed to several factors. Firstly, the convenience and accessibility offered by digital platforms make it easier for individuals and businesses to raise capital. They can now connect with potential investors from anywhere in the world, eliminating geographical limitations. Additionally, digital platforms provide a wider pool of potential investors, increasing the chances of successful capital raising.

Trends in the market: One of the key trends in the Digital Capital Raising market in Morocco is the rise of crowdfunding platforms. These platforms allow individuals and businesses to raise capital from a large number of people, often through small contributions. This trend is fueled by the growing interest in supporting innovative ideas and startups. Crowdfunding also provides an opportunity for individuals to invest in projects they believe in, creating a sense of community and engagement. Another trend is the emergence of peer-to-peer lending platforms. These platforms connect borrowers directly with lenders, bypassing traditional financial institutions. This trend is driven by the demand for alternative lending options and the desire for faster and more flexible access to capital. Peer-to-peer lending platforms also offer competitive interest rates, making them an attractive option for borrowers.

Local special circumstances: Morocco's strategic location as a gateway between Europe and Africa plays a significant role in the development of the Digital Capital Raising market. The country's proximity to Europe provides access to a large pool of potential investors and strategic partnerships. Additionally, Morocco's stable political climate and favorable business environment make it an attractive destination for foreign investors.

Underlying macroeconomic factors: Morocco's strong economic growth and government initiatives to promote entrepreneurship and innovation are key macroeconomic factors driving the development of the Digital Capital Raising market. The country has seen consistent GDP growth in recent years, creating a favorable environment for capital raising activities. Furthermore, the government has implemented various policies and programs to support startups and small businesses, encouraging innovation and attracting investment. In conclusion, the Digital Capital Raising market in Morocco is experiencing significant growth and development. Customer preferences are shifting towards digital platforms due to their convenience and accessibility. Crowdfunding and peer-to-peer lending are emerging as popular trends in the market. Morocco's strategic location, stable political climate, and favorable business environment contribute to its attractiveness as a destination for capital raising activities. The country's strong economic growth and government initiatives further support the development of the Digital Capital Raising market.

Data coverage:

The data encompasses B2C enterprises. Figures are based on transaction values / revenues / assets under management and user data of relevant services and products offered within the FinTech market.

Modeling approach / Market size:

Market sizes are determined through a combined top-down and bottom-up approach, building on a specific rationale for each market segment. As a basis for evaluating markets, we use annual financial reports of key players, industry reports, third-party reports, publicly available databases, and survey results from primary research (e.g., the Statista Global Consumer Survey). In addition, we use relevant key market indicators and data from country-specific associations, such as GDP, consumer spending, population, internet penetration, smartphone penetration, credit card penetration, and online banking penetration. This data helps us estimate the market size for each country individually.

Forecasts:

In our forecasts, we apply diverse forecasting techniques. The selection of forecasting techniques is based on the behavior of the relevant market. For example, the S-curve function and exponential trend smoothing are well suited for forecasting digital products and services due to the non-linear growth of technology adoption.

Additional notes:

The market is updated twice a year in case market dynamics change. The impact of the COVID-19 pandemic and the Russia-Ukraine war is considered at a country-specific level.

This report presents a comprehensive analysis and additional information on the Financial market, in a PDF format.

Crowdfunding is the collective effort of a large number of individuals who network and pool small amounts of capital to finance a new or existing business venture. Each campaign is set for a goal amount of money and a fixed timeframe, each day is counted down and the money raised will be tallied up for visitors to follow its success. The size of the global crowdfunding market is growing and the largest markets are North America and Asia.