An optimization matching approach for digital lending using constraint satisfaction problem models

Electronic brokers (e-brokers) in digital lending aim to match borrowers and lenders to conduct transactions via digital platform. The paper proposes a matching model between borrowers and lenders through electronic brokerage after determining interest rate and other requirements. The main contributions of the paper are as follows: (i) Building the framework of matching process through an e-broker;(ii) Building a formula system to calculate borrowers’ satisfaction degree for interest rate and other hard constrains attributes for loans as per lenders’ information; and (iii) building a matching model based on an artificial intelligence method to find the optimal matching solutions between borrowers and lenders to maximize borrowers’ satisfaction degree. The experimental results show that the proposed approach is flexible and effective under the different simulations using constraint satisfaction problem models (CSP).