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互金时代年龄不是问题 老年人变身众筹最大客户群

日前,替代融资平台Crowdfunder的一项调查结果显示,与其他年龄的群体相比,英国老年人将投资众筹项目的可能性反而更高。

Crowdfunder的网站分析数据显示:在2015年3月这一个月,超过12.5%的网站项目支持者年龄都在65岁以上;整体来看,Crowdfunder平台上贡献最大的年龄群体在45至55岁之间,27.5%的人群采用网络支付的方式,还有另外9.3%的资金来源于18至25岁的群体。

Crowdfunder的月浏览量在50万左右,三月份的数据分析显示,40%以上用户的年龄在45岁以上。

Crowdfunder的总经理Phil Geraghty说:"目前的这个趋势很有意思,虽然大多数人认为众筹是一项相对较"新"的数字化活动,但是它对各个年龄段都有很强的吸引力。看到老年人支持有创意的想法,真的很棒。"

然而,数据分析却没有说明老年到底更愿意投资什么领域,Geraghty补充道:"我们觉得,老年人通常会被有关本地社区的项目所吸引,他们更喜欢那些能够使他们生活的区域变得更好的想法。"

Crowdfunder是英国在众筹项目领域最大的众筹网络,自2002年与Peoplefund.it合并以来,已经为4000多家英国企业、慈善组织和社区项目募集到超过450万英镑的资金。众筹通常是指通过网络从众人手中募集项目资金。自2003年ArtistShare创办以来,众筹产业的发展日渐加快。监测众筹行业发展状况的线上平台众筹中心的数据显示,平均每天有超过456个新项目上线。

Geraghty说,众筹行业持续发展,加之它能够吸引各个年龄层的客户,这也预示着该行业未来的发展潜力。他解释道,"去年,英国众筹市场增长了388%,这些数据同时也显示,随着越来越多的不同年龄层的人认可了这种"梦想变为现实"的融资模式,众筹行业必将前景无限。"

普利茅斯大学社区众筹项目的Heather Forster建议说,老年人的数字意识正日渐提高。她解释说,"这些数据验证了我们发现的一些有意思的现象。在我做有关众筹指导的期间,我走访了很多社区家庭,看到很多老年人真的对众筹很感兴趣--他们会使用iPads关注这些众筹项目。"

Alternative fundraising platform Crowdfunder has conducted research which has revealed that Britain's senior citizens are more likely to pledge money on projects than any other age group.

Utilising the website's analytics data, Crowdfunder discovered that in the month of March 2015, over 12.5 per cent of those who backed projects on the site were aged over 65. The biggest contributors to the platform overall were the 45-55 year-olds, with 27.5 per cent pledging online. Some 9.3 per cent of commitments came from 18-25 year-olds.

Around 500,000 people visit Crowdfunder's website each month, and over 40 per cent of the users from the March analytics were over 45.

Phil Geraghty, managing director of Crowdfunder said: “It's a really interesting trend we're seeing. Although crowdfunding is widely perceived as a relatively 'new' digital activity, crowdfunding has a broad appeal across every age band. It's great to see the older generations getting behind great ideas.”

While the analytics did not provide detail into what specifically the older demographics were more inclined to invest into, Geraghty added: “Our sense is that older pledges are attracted to local community projects, and like ideas that might make a difference to their areas.”

As one of the UK's largest crowdfunding network in the project space, Crowdfunder has raised over £4.5m for over 4,000 businesses, charity and community projects across the UK since merging with Peoplefund.it in 2012. The process of crowdfunding, where a project's funding is supplied by raising contributions from a large number of people, usually online, has gained traction following the launch of ArtistShare back in 2003. Data from The Crowdfunding Centre, an online platform monitoring the development of the industry, suggested that there are now on average over 456 new projects launched each day.

Geraghty said that the constant development of the industry, along with its cross-generational impact, indicated that crowdfunding is likely to keep on expanding in the coming months. “The UK crowdfunding market grew by 388 per cent last year, and these figures also suggest there is huge growth potential for crowdfunding as more generations discover how to turn their ideas into reality,” he explained.

Plymouth University's crowdfunder-in-residence Heather Forster suggested that older demographics are becoming increasingly digitally aware. “The figures support some of the anecdotal evidence we have seen. In my role as a crowdfunding coach, I have visited some residential homes and seen lots of older people become really interested in crowdfunding – using their iPads to get them connected," she explained.


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