--- title: How does fintech reduce wealth inequality? | Shojin description: Explore the impact of fintech's transition from fringe to mainstream financial discourse. Learn how it shapes today's financial landscape. image: https://www.shojin.co.uk/hubfs/Imported_Blog_Media/a2ff856c-1b7c-4dc8-b636-a18604448587.jpg --- Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 minutes to learn more. Risk information **Risk summary for investments in speculative illiquid securities which are arranged by a firm by way of an online platform.**   **Estimated reading time: 2 min**   Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.   **What are the key risks?**   1. **You could lose all the money you invest** - By investing into a real estate project through Shojin you will be investing in a Bond instrument issued by Special Purpose Vehicles (SPV’s) which provide a funding facility for the purpose of real estate development. If the project fails, Investors can lose some or all of the money they invested. - Advertised rates of return aren’t guaranteed. This is not a savings account. If the project doesn’t pay the SPV back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher project risk with an increased probability of losing your money. - Due Diligence and project oversight is carried out by the platform on each Shojin project that you are investing into to assess how well they are expected to perform. However, you should always also do your own research before investing. - These investments are sometimes held in an Innovative Finance ISA (IFISA). While any potential gains from your investment will be tax free, you can still lose all your money. An IFISA does not reduce the risk of the investment or protect you from losses. 2. **You are unlikely to be protected if something goes wrong** - Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. [Try the FSCS investment protection checker here.](https://www.fscs.org.uk/check/investment-protection-checker) - Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA regulated firm, FOS may be able to consider it. [Learn more about FOS protection here.](https://www.financial-ombudsman.org.uk/consumers) 3. **You are unlikely to get your money back quickly** - This type of property investment could face delays that can delay payments. These investments could also fail altogether and be unable to repay investors their money. - You have the opportunity to sell your investment early through the secondary market but there is no guarantee you will be able to find someone willing to buy. 4. **This is a complex investment** - This investment has a complex structure to ensure the interest of investors is protected. Investments are made into each designated project SPV and are ringfenced from other project SPV's to ensure full transparency of each investment made. - You may wish to get financial advice to understand how the structure works before deciding to invest. 5. **Don’t put all your eggs in one basket** - Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well. - [A good rule of thumb is not to invest more than 10% of your money in high-risk investments.](https://www.fca.org.uk/investsmart/5-questions-ask-you-invest) [If you are interested in learning more about how to protect yourself, visit the FCA’s website here.](https://www.fca.org.uk/investsmart) [For further information about minibonds, visit the FCA’s website here](https://www.fca.org.uk/consumers/mini-bonds). Close [Skip to content](https://www.shojin.co.uk/insights/news/how-does-fintech-reduce-wealth-inequality#main-content) [![shojin-logo](https://www.shojin.co.uk/hs-fs/hubfs/shojin/shojin-logo.png?width=92&height=30&name=shojin-logo.png) ![logo-light](https://www.shojin.co.uk/hs-fs/hubfs/shojin/logo-light.png?width=92&height=30&name=logo-light.png) ![shojin-logo-fixed](https://www.shojin.co.uk/hubfs/shojin/shojin-logo-fixed.svg)](https://www.shojin.co.uk) - [Invest](https://www.shojin.co.uk/insights/news/how-does-fintech-reduce-wealth-inequality#invest) - [Borrow](https://www.shojin.co.uk/insights/news/how-does-fintech-reduce-wealth-inequality#borrow) - [Learn](https://www.shojin.co.uk/insights/news/how-does-fintech-reduce-wealth-inequality#learn) - [Company](https://www.shojin.co.uk/insights/news/how-does-fintech-reduce-wealth-inequality#company) - [Invest](https://www.shojin.co.uk/insights/news/how-does-fintech-reduce-wealth-inequality#invest) - [Borrow](https://www.shojin.co.uk/insights/news/how-does-fintech-reduce-wealth-inequality#borrow) - [Learn](https://www.shojin.co.uk/insights/news/how-does-fintech-reduce-wealth-inequality#learn) - [Company](https://www.shojin.co.uk/insights/news/how-does-fintech-reduce-wealth-inequality#company) [![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)Why us](https://www.shojin.co.uk/invest/why-us) [![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)Overview](https://www.shojin.co.uk/invest) How to invest [![chart-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/chart-line-light.svg) ![chart-line-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chart-line-hover.svg) Products](https://www.shojin.co.uk/invest/products) [![chart-bar-light](https://www.shojin.co.uk/hubfs/shojin/icons/chart-bar-light.svg) ![chart-bar-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chart-bar-hover.svg) IFISA](https://www.shojin.co.uk/invest/products/ifisa) [![circles-three-light](https://www.shojin.co.uk/hubfs/shojin/icons/circles-three-light.svg) ![circle-three-hover](https://www.shojin.co.uk/hubfs/shojin/icons/circle-three-hover.svg) Pensions](https://www.shojin.co.uk/invest/products/pensions) Who is Shojin for [![user-list-light](https://www.shojin.co.uk/hubfs/shojin/icons/user-list-light.svg) ![user-list-hover](https://www.shojin.co.uk/hubfs/shojin/icons/user-list-hover.svg) Individuals](https://www.shojin.co.uk/invest/who-is-shojin-for/individuals) [![chalkboard-teacher-light](https://www.shojin.co.uk/hubfs/shojin/icons/chalkboard-teacher-light.svg) ![chalkbord-teacher-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chalkbord-teacher-hover.svg) Family offices](https://www.shojin.co.uk/invest/who-is-shojin-for/family-offices) [![presentation-chart-light](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-light.svg) ![presentation-chart-hover](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-hover.svg) Wealth managers](https://www.shojin.co.uk/invest/who-is-shojin-for/wealth-managers) [![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)Why us](https://www.shojin.co.uk/borrow/why-us) [![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)Overview](https://www.shojin.co.uk/borrow) Products [![git-fork-light](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light.svg) ![git-fork-light-1](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light-1.svg) Whole loan](https://www.shojin.co.uk/borrow/products/whole-loan) [![house-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-light.svg) ![house-line-hover](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-hover.svg) Mezzanine](https://www.shojin.co.uk/borrow/products/mezzanine) [![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Bridge](https://www.shojin.co.uk/products/bridge) [![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Stabilisation and finish & exit](https://www.shojin.co.uk/stabilisation-finish-exit) How to borrow [![tree-structure-light](https://www.shojin.co.uk/hubfs/shojin/icons/tree-structure-light.svg) ![tree-structure-hover](https://www.shojin.co.uk/hubfs/shojin/icons/tree-structure-hover.svg) How it works](https://www.shojin.co.uk/borrow/how-it-works) [![laptop-light](https://www.shojin.co.uk/hubfs/shojin/icons/laptop-light.svg) ![laptop-hover](https://www.shojin.co.uk/hubfs/shojin/icons/laptop-hover.svg) Apply](https://www.shojin.co.uk/borrow/how-it-works#APPLY) [![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)All insights](https://www.shojin.co.uk/insights) Insights [![trophy-light](https://www.shojin.co.uk/hubfs/shojin/icons/trophy-light.svg) ![trophy-hover](https://www.shojin.co.uk/hubfs/shojin/icons/trophy-hover.svg) Masterclass](https://www.shojin.co.uk/insights/tag/masterclass) [![files-light](https://www.shojin.co.uk/hubfs/shojin/icons/files-light.svg) ![files-hover](https://www.shojin.co.uk/hubfs/shojin/icons/files-hover.svg) Special reports](https://www.shojin.co.uk/insights/tag/special-reports) [![notification-light](https://www.shojin.co.uk/hubfs/shojin/icons/notification-light.svg) ![notification](https://www.shojin.co.uk/hubfs/shojin/icons/notification.svg) Market updates](https://www.shojin.co.uk/insights/tag/market-updates) [![note-pencil-light](https://www.shojin.co.uk/hubfs/shojin/icons/note-pencil-light.svg) ![note-pencil-hover](https://www.shojin.co.uk/hubfs/shojin/icons/note-pencil-hover.svg) Blog](https://www.shojin.co.uk/insights/tag/blog) Resources [![question-light](https://www.shojin.co.uk/hubfs/shojin/icons/question-light.svg) ![question-hover](https://www.shojin.co.uk/hubfs/shojin/icons/question-hover.svg) FAQs](https://www.shojin.co.uk/faqs) [![list-dashes-light](https://www.shojin.co.uk/hubfs/shojin/icons/list-dashes-light.svg) ![list-dashes-hover](https://www.shojin.co.uk/hubfs/shojin/icons/list-dashes-hover.svg) Glossary](https://www.shojin.co.uk/glossary) [![video\_library\_FILL0\_wght100\_GRAD0\_opsz24](https://www.shojin.co.uk/hubfs/ICONS/New%20Icons/video_library_FILL0_wght100_GRAD0_opsz24.svg) ![Artboard 1](https://www.shojin.co.uk/hubfs/ICONS/New%20Icons/Artboard%201.svg) Video explainers](https://www.shojin.co.uk/video-faqs) [![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)Contact us](https://www.shojin.co.uk/company/contact-us) Learn more [![globe-light](https://www.shojin.co.uk/hubfs/shojin/icons/globe-light.svg) ![globe-hover](https://www.shojin.co.uk/hubfs/shojin/icons/globe-hover.svg) About us](https://www.shojin.co.uk/company/about-us) [![users-three-light](https://www.shojin.co.uk/hubfs/shojin/icons/users-three-light.svg) ![user-three-hover](https://www.shojin.co.uk/hubfs/shojin/icons/user-three-hover.svg) Team](https://shojin.co.uk/company/about-us#TEAM)   [![list-checks-light](https://www.shojin.co.uk/hubfs/shojin/icons/list-checks-light.svg) ![list-checks](https://www.shojin.co.uk/hubfs/shojin/icons/list-checks.svg) Careers](https://www.shojin.co.uk/company/careers) [![git-fork-light](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light.svg) ![git-fork-light-1](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light-1.svg) Partnerships](https://www.shojin.co.uk/company/partnerships) - [Login](https://portal.shojin.co.uk/user/login) - [Sign up](https://invest.shojin.co.uk/express-interest-investing-2026) - [Login](https://portal.shojin.co.uk/user/login) - [Sign up](https://invest.shojin.co.uk/express-interest-investing-2026) Next level opportunities Shojin is a fractional property investment platform. We share opportunities for global investors to gain exceptional returns. [Why us ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/invest/why-us) [Overview ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)](https://www.shojin.co.uk/invest) How to invest [![chart-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/chart-line-light.svg) ![chart-line-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chart-line-hover.svg) Products Explore ways to earn interest on capital or income on capital growth](https://www.shojin.co.uk/invest/products) [![chart-bar-light](https://www.shojin.co.uk/hubfs/shojin/icons/chart-bar-light.svg) ![chart-bar-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chart-bar-hover.svg) IFISA Invest in a tax efficient way with our Innovative Finance ISA](https://www.shojin.co.uk/invest/products/ifisa) [![circles-three-light](https://www.shojin.co.uk/hubfs/shojin/icons/circles-three-light.svg) ![circle-three-hover](https://www.shojin.co.uk/hubfs/shojin/icons/circle-three-hover.svg) Pensions Take control of you pension by using SIPP & SSAS products](https://www.shojin.co.uk/invest/products/pensions) Who is Shojin for [![user-list-light](https://www.shojin.co.uk/hubfs/shojin/icons/user-list-light.svg) ![user-list-hover](https://www.shojin.co.uk/hubfs/shojin/icons/user-list-hover.svg) Individuals We make real estate investing more accessible for individual investors](https://www.shojin.co.uk/invest/who-is-shojin-for/individuals) [![chalkboard-teacher-light](https://www.shojin.co.uk/hubfs/shojin/icons/chalkboard-teacher-light.svg) ![chalkbord-teacher-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chalkbord-teacher-hover.svg) Family offices Investment opportunities for SFOs, MFOs and HNWs](https://www.shojin.co.uk/invest/who-is-shojin-for/family-offices) [![presentation-chart-light](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-light.svg) ![presentation-chart-hover](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-hover.svg) Wealth managers We work with finance professionals and intermediaries to share opportunities](https://www.shojin.co.uk/invest/who-is-shojin-for/wealth-managers) Fund your next project We support borrowers at every step of the journey, from acquisition through to development and exit. [Why us ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)](https://www.shojin.co.uk/borrow/why-us) [Overview ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/borrow) Products [![git-fork-light](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light.svg) ![git-fork-light-1](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light-1.svg) Whole loan We provide a combination of senior and junior debt to allow developers to take on larger schemes](https://www.shojin.co.uk/borrow/products/whole-loan) [![house-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-light.svg) ![house-line-hover](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-hover.svg) Mezzanine Top up funding that allows you to minimise your contribution, enhancing your return on capital whilst maintaining full control.](https://www.shojin.co.uk/borrow/products/mezzanine) [![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Bridge Short-term senior and junior debt for land acquisition, refinancing, and conversions.](https://www.shojin.co.uk/products/bridge) [![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Stabilisation and finish & exit Investment finance for completed or near-complete schemes that need time to optimise value before permanent refinancing or sale.](https://www.shojin.co.uk/stabilisation-finish-exit) How to borrow [![tree-structure-light](https://www.shojin.co.uk/hubfs/shojin/icons/tree-structure-light.svg) ![tree-structure-hover](https://www.shojin.co.uk/hubfs/shojin/icons/tree-structure-hover.svg) How it works Our process focuses on delivering an exceptional outcome for all parties.](https://www.shojin.co.uk/borrow/how-it-works) [![laptop-light](https://www.shojin.co.uk/hubfs/shojin/icons/laptop-light.svg) ![laptop-hover](https://www.shojin.co.uk/hubfs/shojin/icons/laptop-hover.svg) Apply Submit your application or request a call back](https://www.shojin.co.uk/borrow/how-it-works#APPLY) Elevate your investing Browse our blog for news, features, market update and special reports to build your real estate investing knowledge. [All insights ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/insights) Insights [![trophy-light](https://www.shojin.co.uk/hubfs/shojin/icons/trophy-light.svg) ![trophy-hover](https://www.shojin.co.uk/hubfs/shojin/icons/trophy-hover.svg) Masterclass Watch our webinars on demand](https://www.shojin.co.uk/insights/tag/masterclass) [![files-light](https://www.shojin.co.uk/hubfs/shojin/icons/files-light.svg) ![files-hover](https://www.shojin.co.uk/hubfs/shojin/icons/files-hover.svg) Special reports Read our reports and research](https://www.shojin.co.uk/insights/tag/special-reports) [![notification-light](https://www.shojin.co.uk/hubfs/shojin/icons/notification-light.svg) ![notification](https://www.shojin.co.uk/hubfs/shojin/icons/notification.svg) Market updates Expert insight and analysis](https://www.shojin.co.uk/insights/tag/market-updates) [![note-pencil-light](https://www.shojin.co.uk/hubfs/shojin/icons/note-pencil-light.svg) ![note-pencil-hover](https://www.shojin.co.uk/hubfs/shojin/icons/note-pencil-hover.svg) Blog Stay up-to-date with news and views](https://www.shojin.co.uk/insights/tag/blog) Resources [![question-light](https://www.shojin.co.uk/hubfs/shojin/icons/question-light.svg) ![question-hover](https://www.shojin.co.uk/hubfs/shojin/icons/question-hover.svg) FAQs](https://www.shojin.co.uk/faqs) [![list-dashes-light](https://www.shojin.co.uk/hubfs/shojin/icons/list-dashes-light.svg) ![list-dashes-hover](https://www.shojin.co.uk/hubfs/shojin/icons/list-dashes-hover.svg) Glossary Learn and understand some of the terms we use in materials such as investment memorandums.](https://www.shojin.co.uk/glossary) [![video\_library\_FILL0\_wght100\_GRAD0\_opsz24](https://www.shojin.co.uk/hubfs/ICONS/New%20Icons/video_library_FILL0_wght100_GRAD0_opsz24.svg) ![Artboard 1](https://www.shojin.co.uk/hubfs/ICONS/New%20Icons/Artboard%201.svg) Video explainers Watch our short video FAQs](https://www.shojin.co.uk/video-faqs) Our company Shojin is an FCA-regulated fractional investing platform enabling global investors to build their wealth from UK-based real estate investment opportunities. [Contact us ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/company/contact-us) Learn more [![globe-light](https://www.shojin.co.uk/hubfs/shojin/icons/globe-light.svg) ![globe-hover](https://www.shojin.co.uk/hubfs/shojin/icons/globe-hover.svg) About us Our mission, vision and purpose](https://www.shojin.co.uk/company/about-us) [![users-three-light](https://www.shojin.co.uk/hubfs/shojin/icons/users-three-light.svg) ![user-three-hover](https://www.shojin.co.uk/hubfs/shojin/icons/user-three-hover.svg) Team We're an experienced team of real estate and investment professionals](https://shojin.co.uk/company/about-us#TEAM)   [![list-checks-light](https://www.shojin.co.uk/hubfs/shojin/icons/list-checks-light.svg) ![list-checks](https://www.shojin.co.uk/hubfs/shojin/icons/list-checks.svg) Careers Take your career to the next level](https://www.shojin.co.uk/company/careers) [![git-fork-light](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light.svg) ![git-fork-light-1](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light-1.svg) Partnerships Partner with us to increase access to real estate investing](https://www.shojin.co.uk/company/partnerships) [Blog](https://www.shojin.co.uk/insights/tag/blog) 4 min read # How does fintech reduce wealth inequality? ![](https://www.shojin.co.uk/hubfs/Imported_Blog_Media/a2ff856c-1b7c-4dc8-b636-a18604448587.jpg) ![](https://www.shojin.co.uk/hubfs/Imported_Blog_Media/a2ff856c-1b7c-4dc8-b636-a18604448587.jpg)   With hindsight, it is truly remarkable how quickly fintech and the concept behind the term has made the leap from the fringe to the mainstream of financial discourse.   Those of us who have been observing and participating in the financial ecosystem over several decades remember the term first appearing in the 1990s, and then only as it applied to some rather abstract and technical ‘back-office’ processes that related to how payments were processed.   Today, London sits at the heart of a global web of disruptive innovation characterised by the increasing interaction of finance and technology. The so-called fintech revolution has already enormous repercussions for everything from how we spend, save, invest, insure, and lend.   The mission that guides us here at Shojin is to ride this wave of dynamic change and to bring as many of the benefits that technology can bring to our specific field of investment expertise – real estate.   **What does it mean to ‘democratise’ investing?**   One of the most immediate impacts technology can have on the investment world is by opening up more and more lucrative possibilities to the average investor.   Technology-driven innovations like the development of fractional ownership models have meant highly profitable investments that used to be closed to anyone without millions at hand ready to invest are now open to ordinary professionals.   Individual investors can now access online investment platforms and effectively pool their resources to unlock fantastic new investment opportunities.  By participating in large-scale, long-term, lucrative investments the dentist, accountant, architect, marketing director, and many other middle-class professionals can claim a seat at the table previously reserved for the global mega-rich.   In this way, the digitisation of finance can and is already leading to a fairer distribution of wealth between the middle-class and the richest 1%, and this revolution has only just started.   **What’s so special about real estate?**   In a local sense, every middle-class professional has always been aware of the financial advantages of home ownership.  Many of the same sound reasons justifying the proportionally vast outlay of capital to purchase a house also operate when the proposal is scaled-up to encompass not just a single house, but an entire apartment block, for example.   Across the world today, the richest 1% of the adult population control 45% of global wealth. Whilst some of this wealth will have been made through real estate investment, almost all of it is preserved through property.   This is because assets like real estate possess a wonderful combination of attributes that the global mega-rich have always been aware of and known how to exploit to their advantage.   Firstly, property yields income to its owner.  Rental income is not only regular and predictable, but can be expected to rise ahead of inflation as well due to its contractual nature.   Secondly, real estate values tend to rise over time.  This is, of course, not necessarily a linear or totally predictable process, but over time the value of almost all property will rise once you adjust for exceptional events like the 2008 crisis which sent all house prices spinning downwards for a short time.   Finally, real estate is a boat that rises with the tide, as they say. Ownership of commercial or residential property is a straightforward bet on the economy growing over time and rents continuing to be paid.  As we say, exceptional events aside, this is a bet many of us are more than happy to take over the course of our lifetimes.   **Why can fintechs like Shojin outcompete more traditional players here?**   1\. Technology brings down costs for us and for our investors   The first advantage more technology-centred firms have is lower costs.  This means we can bring our investment opportunities to a wider audience at significantly lower costs than more traditional real estate investment firms, and we can pass this cost-saving on to our clients.   As with any investment, when costs fall, returns are amplified.   2\. Our unique co-investment model   At Shojin we continually refine our combination of advanced fractionalisation techniques which enable small and medium-sized investors to participate alongside larger investors with traditional asset management techniques to ensure the quality of our property projects.   We recognise that new investment propositions for those simply used to holding shares or bonds through an ISA can be daunting, and this is why we invest in every project we offer alongside our clients and with our own capital.   This alignment of interests between us and our investors means we are literally all on the same team, and we will never propose an investment that we aren’t confident enough to put our own capital into.   This is why we can charge zero management fees to our clients, with all profits flowing from a project shared in accordance with the size of each investor's stake.   3\. Track-record and expertise   As an experienced property investment company, Shojin has a great deal to offer in terms of our sector-specific investment expertise and knowledge.  This means that all our projects undergo a thorough due diligence process, and we perform extensive risk analysis on every project we sign off on.  In addition to the prior research, we also directly oversee every project from start to finish, meaning little is left to chance at any stage.   4\. Serving an ignored demographic   More than just simply offering a similar service to a traditional firm at a lower cost, Shojin and other fintechs are doing more than this by unlocking new sectors of the investment market.   A market demographic that has traditionally been underserved by the asset management industry are those below the threshold to be considered as high net worth, but who may still have significant amounts of money to invest.   The 9% of the global adult population directly below the richest 1% in the income distribution hold on average between $100,000 and $1 million in investible funds.   These professionals have been left with no or limited access to the large-scale real estate investments those above them have always used to preserve and grow their wealth, and they have rarely been wooed by the asset management industry.   We believe that they, and the rest of the population able and willing to invest for their future, deserve better. [Written by Shojin](https://www.shojin.co.uk/insights/author/shojin) Published 26 April 2022 Back to top![](https://www.shojin.co.uk/hubfs/shojin/icons/backto-top.png) Subscribe to newsletter Subscribe to receive the latest Shojin insights and resources to your inbox every week. #### Share this post - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-linkedin.svg)](http://www.linkedin.com/shareArticle?mini=true&url=https://www.shojin.co.uk/insights/news/how-does-fintech-reduce-wealth-inequality) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-facebook.svg)](https://www.facebook.com/sharer/sharer.php?u=https://www.shojin.co.uk/insights/news/how-does-fintech-reduce-wealth-inequality) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-twitter.svg)](http://twitter.com/intent/tweet?text=https://www.shojin.co.uk/insights/news/how-does-fintech-reduce-wealth-inequality) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-email.svg)](mailto:?subject=https://www.shojin.co.uk/insights/news/how-does-fintech-reduce-wealth-inequality&body=https://www.shojin.co.uk/insights/news/how-does-fintech-reduce-wealth-inequality) More in this series ## Similar insights you might like [View all](https://www.shojin.co.uk/insights) [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/Asset%20allocation%20and%20portfolio%20diversification/Asset-allocation-and-portfolio-diversification.jpg?width=352&name=Asset-allocation-and-portfolio-diversification.jpg)](https://www.shojin.co.uk/insights/news/asset-allocation-and-portfolio-diversification) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Asset allocation and portfolio diversification](https://www.shojin.co.uk/insights/news/asset-allocation-and-portfolio-diversification) No single topic has led to more ink being spilled in financial journals and textbooks than... [![London-skyline---FF-announcement-Shojin-1000](https://www.shojin.co.uk/hs-fs/hubfs/Blog/2024/01%20Jan/London-skyline---FF-announcement-Shojin-1000.jpg?width=352&name=London-skyline---FF-announcement-Shojin-1000.jpg)](https://www.shojin.co.uk/insights/shojin-announce-future-fund-conversion) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Shojin announce Future Fund conversion](https://www.shojin.co.uk/insights/shojin-announce-future-fund-conversion) [![](https://www.shojin.co.uk/hs-fs/hubfs/UK%20Aerial%20Town%20View.jpg?width=352&name=UK%20Aerial%20Town%20View.jpg)](https://www.shojin.co.uk/insights/january-2026-market-outlook-record-asking-prices-meet-stubborn-reality) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [January 2026 Market Outlook: Record asking prices meet stubborn reality](https://www.shojin.co.uk/insights/january-2026-market-outlook-record-asking-prices-meet-stubborn-reality) January 2026 opens with a decisive market signal: Rightmove recorded its largest January asking... [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/The%20rise%20of%20real%20estate%20investing/The-rise-of-real-estate-investing.jpg?width=352&name=The-rise-of-real-estate-investing.jpg)](https://www.shojin.co.uk/insights/news/the-rise-of-real-estate-investing) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [The rise of real estate investing](https://www.shojin.co.uk/insights/news/the-rise-of-real-estate-investing) [![](https://www.shojin.co.uk/hs-fs/hubfs/Building-and-sky-view.jpg?width=352&name=Building-and-sky-view.jpg)](https://www.shojin.co.uk/insights/uk-real-estate-lending-market-shows-signs-of-recovery) [Market updates](https://www.shojin.co.uk/insights/tag/market-updates), [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [New report reveals UK real estate lending market showing signs of recovery](https://www.shojin.co.uk/insights/uk-real-estate-lending-market-shows-signs-of-recovery) A new report reveals that the UK commercial real estate lending market is beginning to recover... [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/Overcoming%20investment%20paralysis/Overcoming-investment-paralysis.jpg?width=352&name=Overcoming-investment-paralysis.jpg)](https://www.shojin.co.uk/insights/news/2-simple-steps-to-overcome-analysis-paralysis-an) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Two simple steps to overcome investment analysis paralysis](https://www.shojin.co.uk/insights/news/2-simple-steps-to-overcome-analysis-paralysis-an) The multitude of options an investor faces can cause indecision and inaction. [![](https://www.shojin.co.uk/hs-fs/hubfs/social-suggested-images/9f9a0de0-462a-48e7-9e3d-dbb8386591b5.jpg?width=352&name=9f9a0de0-462a-48e7-9e3d-dbb8386591b5.jpg)](https://www.shojin.co.uk/insights/video-anarock-partnership-launch-dubai) [Masterclasses](https://www.shojin.co.uk/insights/tag/masterclasses), [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Video - UK vs Dubai Real Estate: Anarock Partnership Launch](https://www.shojin.co.uk/insights/video-anarock-partnership-launch-dubai) [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/2024/07%20July/TKS%202024/UK-housebuilding-2024.jpg?width=352&name=UK-housebuilding-2024.jpg)](https://www.shojin.co.uk/insights/get-britain-building-what-does-the-kings-speech-mean-for-property-investors) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Get Britain building: What does the King’s Speech mean for property investors?](https://www.shojin.co.uk/insights/get-britain-building-what-does-the-kings-speech-mean-for-property-investors) Two weeks after the general election, Britain has a new Labour government that is promising to put... [![](https://www.shojin.co.uk/hs-fs/hubfs/Imported_Blog_Media/ea4bbaa8-1118-4bed-8d29-c83492cc34dd.png?width=352&name=ea4bbaa8-1118-4bed-8d29-c83492cc34dd.png)](https://www.shojin.co.uk/insights/news/shojin-closes-3m-from-global-investors-at-a-valua) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Shojin closes £3m from global investors at a valuation of £49m](https://www.shojin.co.uk/insights/news/shojin-closes-3m-from-global-investors-at-a-valua) [![From-BTL-to-BTR---mobile](https://www.shojin.co.uk/hs-fs/hubfs/Blog/From%20BTL%20to%20BTR/From-BTL-to-BTR---mobile.jpg?width=352&name=From-BTL-to-BTR---mobile.jpg)](https://www.shojin.co.uk/insights/news/btr-versus-btl) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Emerging trends in UK real estate investment: Transition from BTL to BTR](https://www.shojin.co.uk/insights/news/btr-versus-btl) Real estate has for so long been the jewel in the crown of UK investments. [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/2024/01%20Jan/Snap%20reaction%201701/Snap-reaction-inflation-and-house-prices-graphic-FEATURED-IMAGE.jpg?width=352&name=Snap-reaction-inflation-and-house-prices-graphic-FEATURED-IMAGE.jpg)](https://www.shojin.co.uk/insights/reaction-15/02-ons-inflation-data) [Market updates](https://www.shojin.co.uk/insights/tag/market-updates) ### [Reaction 15/02: ONS Inflation Data](https://www.shojin.co.uk/insights/reaction-15/02-ons-inflation-data) [![](https://www.shojin.co.uk/hs-fs/hubfs/Imported_Blog_Media/c25c244f-06d6-4bb2-a0f7-aae91be06892.png?width=352&name=c25c244f-06d6-4bb2-a0f7-aae91be06892.png)](https://www.shojin.co.uk/insights/news/shojin-closes-3m-from-investors-at-a-valuation) ### [Shojin closes £3m from investors](https://www.shojin.co.uk/insights/news/shojin-closes-3m-from-investors-at-a-valuation) [![](https://www.shojin.co.uk/hs-fs/hubfs/Imported_Blog_Media/620912dd-db2e-4add-8fd6-748bb0af8dc1.jpg?width=352&name=620912dd-db2e-4add-8fd6-748bb0af8dc1.jpg)](https://www.shojin.co.uk/insights/news/the-rise-and-rise-of-alternative-investments) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [The rise of alternative investments](https://www.shojin.co.uk/insights/news/the-rise-and-rise-of-alternative-investments) [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/Five%20things%20you%20need%20to%20know%20about%20fractional%20investing/Five-thing-you-need-to-know-abouit-fractional-investing.jpg?width=352&name=Five-thing-you-need-to-know-abouit-fractional-investing.jpg)](https://www.shojin.co.uk/insights/news/5-things-about-fractional-investing) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Five things you need to know about fractional investing](https://www.shojin.co.uk/insights/news/5-things-about-fractional-investing) Exploring fractional investing and Shojin's unique co-investment approach. [![](https://www.shojin.co.uk/hs-fs/hubfs/The%20benefits%20of%20alternative%20investments/The-benefits-of-alternative-investments.jpg?width=352&name=The-benefits-of-alternative-investments.jpg)](https://www.shojin.co.uk/insights/news/is-2022-the-year-of-alternative-investments) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Explore the benefits of alternative investments](https://www.shojin.co.uk/insights/news/is-2022-the-year-of-alternative-investments) [![](https://www.shojin.co.uk/hs-fs/hubfs/Imported_Blog_Media/acd3db9b-b098-41ce-8ad5-20ef6cd7ec99.jpg?width=352&name=acd3db9b-b098-41ce-8ad5-20ef6cd7ec99.jpg)](https://www.shojin.co.uk/insights/news/filling-the-middle-market-developer-funding-gap) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Filling the middle-market developer funding gap](https://www.shojin.co.uk/insights/news/filling-the-middle-market-developer-funding-gap) [![](https://www.shojin.co.uk/hs-fs/hubfs/Imported_Blog_Media/5d090420-6db5-41f5-a245-ca486536056e.png?width=352&name=5d090420-6db5-41f5-a245-ca486536056e.png)](https://www.shojin.co.uk/insights/news/why-private-investors-are-crucial-to-the-governmen) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Private investor levelling up ambitions](https://www.shojin.co.uk/insights/news/why-private-investors-are-crucial-to-the-governmen) [![](https://www.shojin.co.uk/hs-fs/hubfs/iStock-1445033235.jpg?width=352&name=iStock-1445033235.jpg)](https://www.shojin.co.uk/insights/gaining-access-to-alternatives-through-fractional-investment) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Gaining access to alternatives through fractional investment](https://www.shojin.co.uk/insights/gaining-access-to-alternatives-through-fractional-investment) [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/Finding%20opportunities%20amid%20rising%20inflation/Finding-opportunities-amid-rising-inflation-1960.jpg?width=352&name=Finding-opportunities-amid-rising-inflation-1960.jpg)](https://www.shojin.co.uk/insights/news/finding-opportunities-amid-rising-inflation) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Finding opportunities amid rising inflation](https://www.shojin.co.uk/insights/news/finding-opportunities-amid-rising-inflation) [![Shojin---Looking-Ahead-with-Cautious-Optimism-Report--800](https://www.shojin.co.uk/hs-fs/hubfs/Blog/Special%20Report%20Q3%202023%20-%20Looking%20Ahead%20With%20Cautious%20Optimism/Shojin---Looking-Ahead-with-Cautious-Optimism-Report--800.jpg?width=352&name=Shojin---Looking-Ahead-with-Cautious-Optimism-Report--800.jpg)](https://www.shojin.co.uk/insights/looking-ahead-with-cautious-optimism-q4-2023) [Special reports](https://www.shojin.co.uk/insights/tag/special-reports) ### [Looking ahead with cautious optimism: Q4 2023](https://www.shojin.co.uk/insights/looking-ahead-with-cautious-optimism-q4-2023) ## Take your investments to the next level. Sign up for access to our expertly selected investment opportunities. Build your diversified property portfolio today. [Sign up ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)](https://portal.shojin.co.uk/user/register) ## Go further with Shojin ![key-light](https://www.shojin.co.uk/hubfs/shojin/icons/key-light.svg) 1. More opportunity No management fees. Smaller sums to take part. Lowered barriers for access. ![chalkboard-teacher-light](https://www.shojin.co.uk/hubfs/shojin/icons/chalkboard-teacher-light.svg) 2. Shared risk Shojin earns revenue based on the success of each project. We share in the risk and rewards together ![user-list-light](https://www.shojin.co.uk/hubfs/shojin/icons/user-list-light.svg) 3. Knowledge We use our thorough due diligence and expertise to ensure the best outcome – and you’re not left out the loop. ![line-segments-light](https://www.shojin.co.uk/hubfs/shojin/icons/line-segments-light.svg) 4. Wealth You get paid out before we do. You’remore likely to gain higher returns than traditional, inflexible investing routes. ## Follow us [![linkedin](https://www.shojin.co.uk/hubfs/shojin/icons/linkedin.svg) ![linkedin-h](https://www.shojin.co.uk/hubfs/shojin/icons/linkedin-h.svg)](https://www.linkedin.com/company/shojin-property-partners) [![facebook](https://www.shojin.co.uk/hubfs/shojin/icons/facebook.svg) ![facebook-h](https://www.shojin.co.uk/hubfs/shojin/icons/facebook-h.svg)](https://www.facebook.com/ShojinUK) [![instagram](https://www.shojin.co.uk/hubfs/shojin/icons/instagram.svg) ![instagram-h](https://www.shojin.co.uk/hubfs/shojin/icons/instagram-h.svg)](https://www.instagram.com/shojinpropertyUK) [![twitter](https://www.shojin.co.uk/hubfs/shojin/icons/twitter.svg) ![twitter-h](https://www.shojin.co.uk/hubfs/shojin/icons/twitter-h.svg)](https://twitter.com/ShojinProperty) Invest - [Overview](https://www.shojin.co.uk/invest) - [Why us](https://www.shojin.co.uk/invest/why-us) - [For Individuals](https://www.shojin.co.uk/invest/who-is-shojin-for/individuals) - [For Family Office](https://www.shojin.co.uk/invest/who-is-shojin-for/family-offices) - [For Wealth Managers](https://www.shojin.co.uk/invest/who-is-shojin-for/wealth-managers) - [Products](https://www.shojin.co.uk/invest/products) - [IFISA](https://www.shojin.co.uk/invest/products/ifisa) - [Pensions](https://www.shojin.co.uk/invest/products/pensions) Borrow - [Overview](https://www.shojin.co.uk/borrow) - [Why us](https://www.shojin.co.uk/borrow/why-us) - [Senior](https://www.shojin.co.uk/borrow/products/senior-debt) - [Mezzanine](https://www.shojin.co.uk/borrow/products/mezzanine) - [Equity](https://www.shojin.co.uk/borrow/products/equity) - [How it works](https://www.shojin.co.uk/borrow/how-it-works) - [Apply](https://www.shojin.co.uk/borrow/how-it-works#ENQUIRE) Learn - [All insights](https://www.shojin.co.uk/insights) - [Masterclass](https://www.shojin.co.uk/insights/tag/masterclass) - [Special reports](https://www.shojin.co.uk/insights/tag/special-reports) - [Market updates](https://www.shojin.co.uk/insights/tag/market-updates) - [Blog](https://www.shojin.co.uk/insights/tag/blog) - [FAQs](https://www.shojin.co.uk/faqs) - [Glossary](https://www.shojin.co.uk/glossary) Legals - [Terms & conditions](https://www.shojin.co.uk/website-terms-conditions) - [Privacy Policy](https://www.shojin.co.uk/privacy-policy) - [Key Risks](https://www.shojin.co.uk/key-risks) - [Risk Management disc](https://www.shojin.co.uk/pillar-3) - [IFISA T&Cs](https://www.shojin.co.uk/ifisa-terms-conditions) Other - [About us](https://www.shojin.co.uk/company/about-us) - [Our team](https://www.shojin.co.uk/company/about-us#TEAM) - [Careers](https://www.shojin.co.uk/company/careers) - [Contact us](https://www.shojin.co.uk/company/contact-us) Awards ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) MEZZANINE LENDER OF THE YEAR WINNER Alternative Credit Awards 2024 ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) MOST INNOVATIVE PROPERTY INVESTMENT PLATFORM WINNER SME Finance Awards 2023 ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) BRIDGING LENDER OF THE YEAR WINNER P2P Finance Awards 2023 ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) INNOVATIVE LENDER OF THE YEAR HIGHLY COMMENDED P2P Finance Awards 2022 ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) FINANCIER OF THE YEAR, RESIDENTIAL FINALIST RESI Awards 2021 Member ![AREIP-logo](https://www.shojin.co.uk/hs-fs/hubfs/shojin/AREIP-logo.png?width=156&height=80&name=AREIP-logo.png) ![UKFCA WHITE](https://www.shojin.co.uk/hs-fs/hubfs/UKFCA%20WHITE.png?width=95&height=114&name=UKFCA%20WHITE.png) ![logo\_CREFCE\_logo\_white\_clear\_background](https://www.shojin.co.uk/hs-fs/hubfs/logo_CREFCE_logo_white_clear_background.png?width=150&height=54&name=logo_CREFCE_logo_white_clear_background.png) Important note Please note that property investments involve risks including loss of capital, illiquidity, default of a borrower and lack of returns. The risks involved will vary by project types, so please make sure you have read and understood the specific risks associated with the investment. Investments made on this website should only be made as part of a diversified investment portfolio. For more details, see the Key Risks. Projections or estimated returns are not a reliable indicator of actual future performance and eventual returns or dividends may be lower than predicted. Information presented on this website is for guidance purposes only and does not constitute financial advice. If you are unsure of the suitability of an investment, please contact your financial adviser for professional advice. Shojin is a trading name of Shojin Financial Services Limited. This website is a financial promotion approved by Shojin Financial Services Limited which is authorised and regulated by the Financial Conduct Authority (FRN: 716765) (see [www.fca.org.uk/register](https://www.fca.org.uk/firms/financial-services-register) for more information). Companies that issue investments on this platform, including bonds issued by Shojin entities, are not themselves regulated by the Financial Conduct Authority and investments made on this site are not covered by the Financial Services Compensation Scheme. The investment opportunities listed on this website are not offers to the public and can only be entered into by certain types of investors who have satisfied certain investment criteria. [![shojin-footer-logo](https://www.shojin.co.uk/hs-fs/hubfs/shojin/shojin-footer-logo.png?width=86&height=31&name=shojin-footer-logo.png)](https://www.shojin.co.uk) © 2026 Shojin — All Rights Reserved ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Shojin", "url" : "https://www.shojin.co.uk/insights/author/shojin" }, "dateModified" : "2023-11-10T15:05:00.979Z", "datePublished" : "2022-04-26T08:00:00.000Z", "headline" : "How does fintech reduce wealth inequality? | Shojin", "image" : [ "https://www.shojin.co.uk/hubfs/Imported_Blog_Media/a2ff856c-1b7c-4dc8-b636-a18604448587.jpg" ], "mainEntityOfPage" : { "@id" : "https://www.shojin.co.uk/insights/news/how-does-fintech-reduce-wealth-inequality", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.shojin.co.uk/hubfs/Signature%20-%20logo.png" }, "name" : "Shojin Property Partners" } } ```