aju
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Post by aju on Sept 28, 2019 12:00:58 GMT
According to a recent P2P Finance News article ... Desktops and laptops still most popular way to access P2P investments
It's Europe wide view but one wonders if the recent changes on some Uk sites - notably Zopa and more recently RS - realise this fact or worse even test thoroughly in this market now!. Might come back to bite some of them over the next few years perhaps or worse they'll be backtracking and making changes on changes for years to come. Admittedly I am a luddite where using toys tablets/phones for accessing any financial stuff and in particular P2P but I can use them for simple stuff but any real investing for myself and Mrs Aju requires more reliable and extensive tools and using a PC is for me a necessity. Mind you my spreadsheets analysis and tracking tools are getting a bit over bloated these days.  Any thoughts? |
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r00lish67
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Post by r00lish67 on Sept 28, 2019 14:10:11 GMT
According to a recent P2P Finance News article ... Desktops and laptops still most popular way to access P2P investments
It's Europe wide view but one wonders if the recent changes on some Uk sites - notably Zopa and more recently RS - realise this fact or worse even test thoroughly in this market now!. Might come back to bite some of them over the next few years perhaps or worse they'll be backtracking and making changes on changes for years to come. Admittedly I am a luddite where using toys tablets/phones for accessing any financial stuff and in particular P2P but I can use them for simple stuff but any real investing for myself and Mrs Aju requires more reliable and extensive tools and using a PC is for me a necessity. Mind you my spreadsheets analysis and tracking tools are getting a bit over bloated these days. Any thoughts? It's probably an age thing. I believe the average age of a P2P investor is fifty-something, so they're probably less interested in fiddling around with accounts on a phone. This said, I'm in my 30s and I much prefer using a laptop to mess around with P2P and spreadsheets too - too frustrating on a little screen.
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Post by Deleted on Sept 28, 2019 15:23:28 GMT
Phone out of the country and on holiday
Laptop when at home
Spreadsheets at home
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aju
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Post by aju on Sept 28, 2019 16:02:59 GMT
Probably not enough traction or interest but i'm wondering if I should have gone for a poll - not that I know how to create them.
If anyone knows how and is interested in setting one upin the polls section i'm guessing the 2 options might be
Desktop/Laptop Computers (PC, apple Mac etc)
or
Mobile devices (Tablet, Ipad, Phones etc)
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Post by dan1 on Sept 28, 2019 16:14:23 GMT
Probably not enough traction or interest but i'm wondering if I should have gone for a poll - not that I know how to create them. If anyone knows how and is interested in setting one upin the polls section i'm guessing the 2 options might be Desktop/Laptop Computers (PC, apple Mac etc) or Mobile devices (Tablet, Ipad, Phones etc) - navigate to the board where you'd like to set up your poll (http://p2pindependentforum.com/board/125/general-p2x-discussion-polls), click "Create Thread" and then make sure you click "Add Poll" next to your new thread title. Note that polls can't be edited after you click "Create Thread". For click read tap if on Mobile/Tablet 
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aju
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Post by aju on Sept 29, 2019 11:23:47 GMT
Thanks to dan1 for help on creating a poll. The poll can be found hereWill be interesting to see how users from here vote on this. |
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Mike
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Post by Mike on Sept 29, 2019 12:21:04 GMT
This isn't surprising at all for anyone even remotely in touch with online consumer habits.
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aju
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Post by aju on Sept 29, 2019 12:34:04 GMT
This isn't surprising at all for anyone even remotely in touch with online consumer habits. There are 2 camps here are you suggesting that the article is unsurprisingly correct that more people do P2P on "real computers" my term not that articles?. Whilst I'm firmly in the Desktop/Laptop camp, my preference for stats and analysis tools, I actually thought that the newer tools (Tablets/Phones etc) would have had a higher presence. My experience within my immediate local circle is that most, especially the younger amongst them, have moved over to the more mobile tools. That said everyone i know also has a desktop or a laptop but they spend most of the lives glued to their tablet or phone. Mrs Aju is heavily into ancestory since her parents passed on and spends most of her days using tour laptop as she says one cannot do much useful stuff with her tablet or phone. She is delving into the 14th and 15th century so perhaps she will soon be moving over to papyrus etc.
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Mike
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Post by Mike on Sept 29, 2019 12:49:20 GMT
This isn't surprising at all for anyone even remotely in touch with online consumer habits. There are 2 camps here are you suggesting that the article is unsurprisingly correct that more people do P2P on "real computers" my term not that articles? Yes. Unfocussed shallow research (such as reading these forums) on mobile devices (often not resulting in substantial monetary transactions) supplements the more intent-ful Desktop user who is much more likely to spend/move/invest larger sums. How many people buy a car or a house on a mobile device versus a desktop screen? Anecdotally it's the small things - copy and pasting numbers names and addresses, opening 20 tabs at the same time, keeping notes, not having your screen constantly dim because you're reading/thinking and not typing, having to use a touchscreen keyboard, etc etc. Its a PITA and not surprising offices are going in the direction of having ever-bigger screen space rather than shrinking down to phone-size! Data-wise, take it from someone who has managed a good chunk of SEM spend - desktop users are a LOT more valuable for high ticket items, reflected by the marketplace.
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p2pfan
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Full-Time Investor
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Post by p2pfan on Sept 29, 2019 13:21:07 GMT
I don't know how on earth you could do serious P2P investing, particularly of the manual lending variety rather than auto-investing, without a desktop or laptop computer.
For instance, how does one study a 15 page long valuation report or surveyor's report on a small mobile screen and concurrently do the required research on it (looking up the property on Google Street View or the borrower in Google search)? Or do granular due diligence and comparisons to determine which of the countless loan available to 'buy' on the secondary markets of platforms? Or record and updates the transactions and ROIs on the loans you make in spreadsheets?
I won't even mention how many monitors I have because people will think I'm showing off but I am thinking about getting another one because IMHO the more screens you have the easier it is to do methodical due diligence, lending and record-keeping.
I might log in to a P2P platform occasionally on a mobile phone when I'm out and about, but I couldn't use it regularly to trade.
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Post by Ace on Sept 29, 2019 21:30:09 GMT
It seems to me that the conclusion of this debate is that the more screen space one has the easier it is to get things done. It really has nothing to do with the type of device or operating system.
I manage all 28 platforms that I currently have accounts with from a 12 inch tablet. It seems perfectly adequate to me. Yes, I'd prefer to have more screen real estate, but I favour the ease and mobility of using a tablet even more. I currently have 86 tabs open in this browser alone, which works fine for me.
I've not yet found a P2P related function that I couldn't perform on a mobile phone if absolutely necessary. I wouldn't choose to do it this way, but it's certainly possible.
Yes, I know that that many platforms is way too many, but I'm addicted, and its much easier to get in that it is to get out! Could you all please stop suggesting any interesting new platforms 😆
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keitha
Member of DD Central
2024, hopefully the year I get out of P2P
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Post by keitha on Oct 8, 2019 14:53:36 GMT
According to a recent P2P Finance News article ... Desktops and laptops still most popular way to access P2P investments
It's Europe wide view but one wonders if the recent changes on some Uk sites - notably Zopa and more recently RS - realise this fact or worse even test thoroughly in this market now!. Might come back to bite some of them over the next few years perhaps or worse they'll be backtracking and making changes on changes for years to come. Admittedly I am a luddite where using toys tablets/phones for accessing any financial stuff and in particular P2P but I can use them for simple stuff but any real investing for myself and Mrs Aju requires more reliable and extensive tools and using a PC is for me a necessity. Mind you my spreadsheets analysis and tracking tools are getting a bit over bloated these days. Any thoughts? It's probably an age thing. I believe the average age of a P2P investor is fifty-something, so they're probably less interested in fiddling around with accounts on a phone. This said, I'm in my 30s and I much prefer using a laptop to mess around with P2P and spreadsheets too - too frustrating on a little screen. As an IT professional of other 30 years, I find a lot of apps merely point you at the website.
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aju
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Post by aju on Oct 29, 2019 13:21:49 GMT
So the poll has finished now and the results are as follows out of 68 Votes. Not exactly that conclusive with such a small number of voters but none the less does show that there is a considerable number of forum people using old school PC's. I use windows 7 at present but have been taking steps to upgrade a spare laptop before I upgrade my main machine and its clear to me using Windows 7 is a lot more like using a tablet in some ways and the controls seem a lot more clunky. That said the webpages I use and the excel tools i use will be very similar going forward. Still quite unsure about the move but I guess I will get used to it. As for using tablets and phones I'm not sure I will be converted sometime soon for what I consider to be more serious in nature when it comes to managing finance. |
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benaj
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Post by benaj on Oct 29, 2019 13:51:43 GMT
To be honest, I wish P2P investments are hands-free, we could all forget about the browsers and the platforms just work hard for our money.
It seems Managing P2P on mobile are not suitable for some platforms as they have more complex loans products.
I do like the concept of Orca Money / Mintos Invest & Access, where one platform automatically diversify investment across different P2P market.
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aju
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Post by aju on Oct 29, 2019 15:08:06 GMT
But where's the fun in that. I could go for a bank for a hands off approach I guess, considerably lower rates I grant you, but at least I can almost game the RS still. rates are lower but occasionally I can pick up decent rates - more so on the one year than the 5 year and impossible on the new offers, but I got >5% a week or two ago and I'm still trying the % in the 1Y although looking at the patterns today pretty much unlikely.
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