However many people are still trading manually. These are often retail investors or small players who are looking to grow their money. Over the last 10 years, interest rates have essentially dropped to 0%, coupled with inflation, most people with savings accounts are effectively losing money. This has led many to look for alternative ways to beat inflation, most commonly by trying to participate in the financial markets. This, along with the rise of platforms like eToro and RobinHood has led to 25% of the stock market now being owned by retail investors (Winck, 2020).