{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2022,6,2]],"date-time":"2022-06-02T00:11:05Z","timestamp":1654128665048},"reference-count":28,"publisher":"IGI Global","issue":"2","content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2013,4,1]]},"abstract":"<p>Online Peer-To-Peer lending has seen some growing media attention since its recent creation. Nonetheless, the systems which provide deal brokerage in this context have yet to be given significant consideration within the scientific community. This paper is part of a broader effort to setup a Peer-to-Peer lending community in Portugal. This work focuses on solving the infrastructural problem of combining investment offers from potential lenders with loan requests from potential borrowers. The combination process must strive for an optimal result, which pleases lenders and borrowers alike, despite their opposing agendas. Simultaneously the combination result should also benefit the platform\u2019s business model, so as to keep it sustainable and profitable. Several optimization metaheuristics, powered by a constraint programming module, were applied to efficiently explore the problem\u2019s solution space and to find optimal solutions. The results achieved with this approach show how metaheuristic-driven optimization can be successfully applied to Peer-to-Peer lending combination problems.<\/p>","DOI":"10.4018\/jwp.2013040102","type":"journal-article","created":{"date-parts":[[2013,7,10]],"date-time":"2013-07-10T14:08:28Z","timestamp":1373465308000},"page":"17-31","source":"Crossref","is-referenced-by-count":0,"title":["Web Portal for Matching Loan Requests and Investment Offers in Peer-To-Peer Lending"],"prefix":"10.4018","volume":"5","author":[{"given":"Lu\u00eds","family":"Martinho","sequence":"first","affiliation":[{"name":"DEI\/FEUP - Informatics Engineering, Department of Engineering, University of Porto, Porto, Portugal"}]},{"given":"Lu\u00eds Paulo","family":"Reis","sequence":"additional","affiliation":[{"name":"DSI\/EEUM - Information System Department, School of Engineering, University of Minho, Minho, Portugal & LIACC - Artificial Intelligence and Computer Science Laboratory, University of Porto, Porto, Portugal"}]}],"member":"2432","reference":[{"key":"jwp.2013040102-0","unstructured":"Albert, I., & Strangman, G. (2007). python-statlib. Retrieved June 2009, from Google Code: http:\/\/code.google.com\/p\/python-statlib\/"},{"key":"jwp.2013040102-1","doi-asserted-by":"publisher","DOI":"10.4018\/jwp.2012010103"},{"key":"jwp.2013040102-2","doi-asserted-by":"publisher","DOI":"10.1023\/A:1009625526657"},{"key":"jwp.2013040102-3","doi-asserted-by":"publisher","DOI":"10.1007\/978-3-642-34654-5_50"},{"key":"jwp.2013040102-4","doi-asserted-by":"publisher","DOI":"10.4018\/jwp.2012010101"},{"key":"jwp.2013040102-5","doi-asserted-by":"crossref","unstructured":"Dean, J., & Ghemawat, S. (2004). MapReduce: Simplified Data Processing on Large Clusters. Proceedings of the 6th Symposium on Operating Systems Design and Implementation, (pp. 107-113).","DOI":"10.1145\/1327452.1327492"},{"key":"jwp.2013040102-6","doi-asserted-by":"crossref","unstructured":"Faria, B., Reis, L., Lau, N., & Castillo, G. (2010). Machine Learning algorithms applied to the classification of robotic soccer formations and opponent teams. IEEE Conference on Cybernetics and Intelligent Systems, CIS 2010, (pp. 344-349).","DOI":"10.1109\/ICCIS.2010.5518540"},{"key":"jwp.2013040102-7","doi-asserted-by":"publisher","DOI":"10.1016\/0305-0548(86)90048-1"},{"key":"jwp.2013040102-8","doi-asserted-by":"publisher","DOI":"10.1007\/978-1-4615-6089-0"},{"key":"jwp.2013040102-9","author":"A.Hopgood","year":"2001","journal-title":"Intelligent Systems for Engineers and Scientists"},{"key":"jwp.2013040102-10","unstructured":"Kennedy, J., & Eberhart, R. C. (1995). Particle Swarm Optimization. Proceedings of IEEE International Conference on Neural Networks. Piscataway, NJ: IEEE."},{"key":"jwp.2013040102-11","author":"J.Kennedy","year":"2001","journal-title":"Swarm Intelligence"},{"issue":"4598","key":"jwp.2013040102-12","first-page":"671","article-title":"Optimization by Simulated Annealing. Science","volume":"220","author":"S.Kirkpatrick","year":"1983","journal-title":"New Series"},{"key":"jwp.2013040102-13","doi-asserted-by":"crossref","unstructured":"Mahapatra, A., Tarasia, N., Ajay, A., & Ray, S. (2011). A fuzzy approach for reputation management in Bittorrent P2P network. Electronics Computer Technology (ICECT), 2011 3rd International Conference on, vol. 1, (pp. 360-364).","DOI":"10.1109\/ICECTECH.2011.5941623"},{"key":"jwp.2013040102-14","doi-asserted-by":"publisher","DOI":"10.4018\/jwp.2011100102"},{"key":"jwp.2013040102-15","unstructured":"Martinho, L., & Reis, L. P. (2010). Combining Loan Requests and Investment Offers in Peer-To-Peer Lending. European Conference on Artificial Intelligence Informal Proceedings."},{"key":"jwp.2013040102-16","doi-asserted-by":"crossref","unstructured":"McNabb, A. W., Monson, C. K., & Seppi, K. D. (2007). MRPSO: MapReduce particle swarm optimization. Proceedings of the 9th annual conference on Genetic and evolutionary computation (pp. 177-177). ACM New York.","DOI":"10.1145\/1276958.1276991"},{"key":"jwp.2013040102-17","unstructured":"Moreira, P., Reis, L., & De Sousa, A. (2010). I-om: Intelligent optimization for computer graphics and visualization. Proceedings of CISTI 2010, 5th Iberian Conference on Information Systems and Technologies."},{"key":"jwp.2013040102-18","doi-asserted-by":"publisher","DOI":"10.1016\/j.mechatronics.2010.05.005"},{"key":"jwp.2013040102-19","doi-asserted-by":"publisher","DOI":"10.4018\/jwp.2009082101"},{"key":"jwp.2013040102-20","unstructured":"Niemeyer, G. (2005). API Documentation (python-constraint). Retrieved May 2009, from http:\/\/labix.org\/doc\/constraint\/"},{"key":"jwp.2013040102-21","doi-asserted-by":"crossref","unstructured":"Pereira, A., Reis, L., & Duarte, P. (2009). EcoSimNet: A multi-agent system for ecological simulation and optimization. Progress in Artificial Intelligence: 14th Portuguese Conference on Artificial Intelligence, EPIA 2009 Proceedings (pp. 473-484). LNCS\/LNAI 5816, Springer.","DOI":"10.1007\/978-3-642-04686-5_39"},{"key":"jwp.2013040102-22","first-page":"98","volume":"Vol. 7026","author":"J.Ramos","year":"2011","journal-title":"Solving Heterogeneous Fleet Multiple Depot Vehicle Scheduling Problem as an Asymmetric Traveling Salesman Problem. Springer Lecture Notes in Computer Science"},{"key":"jwp.2013040102-23","doi-asserted-by":"publisher","DOI":"10.1007\/3-540-45324-5_2"},{"key":"jwp.2013040102-24","author":"D.Riehle","year":"2000","journal-title":"Framework Design: A Role Modeling Approach, Ph.D. Thesiss, no. 13509"},{"key":"jwp.2013040102-25","year":"2005","journal-title":"Zopa - the bank that likes to say \u201cHello There!''"},{"key":"jwp.2013040102-26","author":"D.Thomas","year":"2009","journal-title":"Agile Web Development with Rails"},{"key":"jwp.2013040102-27","author":"A.Zhigljavsky","year":"2007","journal-title":"Stochastic Global Optimization"}],"container-title":["International Journal of Web Portals"],"original-title":[],"language":"ng","link":[{"URL":"https:\/\/www.igi-global.com\/viewtitle.aspx?TitleId=78545","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2022,6,1]],"date-time":"2022-06-01T23:45:42Z","timestamp":1654127142000},"score":1,"resource":{"primary":{"URL":"https:\/\/services.igi-global.com\/resolvedoi\/resolve.aspx?doi=10.4018\/jwp.2013040102"}},"subtitle":[""],"short-title":[],"issued":{"date-parts":[[2013,4,1]]},"references-count":28,"journal-issue":{"issue":"2","published-print":{"date-parts":[[2013,4]]}},"URL":"https:\/\/doi.org\/10.4018\/jwp.2013040102","relation":{},"ISSN":["1938-0194","1938-0208"],"issn-type":[{"value":"1938-0194","type":"print"},{"value":"1938-0208","type":"electronic"}],"subject":[],"published":{"date-parts":[[2013,4,1]]}}}