P2P匯兌之社群媒合推薦機制

Abstract

近幾年來，人們出國的需求日益增加。然而，當我們透過銀行換匯時卻要收取手續費以及受時空的限制。因此，近日金融科技新創公司發展出P2P 換匯的服務，解決了過去換匯時最大的手續費問題。而此研究針對線上線下(O2O)換匯的形式，提出一個P2P換匯的社群媒合推薦機制，在系統中，我們針對個人喜好背景相似度、社群關係、社群信任以及適地性服務作為推薦的重要因素。希望能提供使用者更適合的交換貨幣的人選，並且透過共享經濟的概念，期望能達到降低在金融服務上的成本。

In recent years, there are growing numbers of people going abroad for studying and traveling which indicates that the demand of currency exchanges is increasing. However, some problems are existed when we exchange currency through the banks. Consequently, the new financial service called P2P currency exchange emerged which aims to disrupt the foreign exchange (FX) markets. In our research, we focused on the model of Online to Offline (O2O) which simplify the process of using P2P currency exchange platform online. Also, it shows the stronger social relationship with others by face to face. We propose a recommendation mechanism for P2P currency exchange which is based on social networks and analyze users’ preference, similarity and location-based service. Then evaluating social trust by social influence computing. We look forward to providing proper candidates and encouraging sharing economy in finance sector which greatly decrease the cost of currency exchange.