Research On P2P Financial Platform Design Based Onthe Concept Of Service Design

With the rapid development of social economy,the middle class has gradually become the main part of the society.Their economic life has made great changes by the change of family economic situation.On one hand,consumption in advance and overdraft has become a trend,on the other hand,a convenient and efficient way of personal wealth management has become rigid demand for most people.Driven by the economic environment and user needs,P2 P financial management rapidly rise and has become one of the most popular financial management.P2P finance is a new branch of the Internet financial sector which is deeply integrated by the Internet and the financial industry.In recent years,with the rapid development of the Internet industry,P2 P finance is known by ordinary people.Compared to the traditional financial management mode,it has greatly changed people's way of managing money in behavior and idea with the advantages of high yield,low threshold and convenient operation.However,it also exposed various problems during the process of rapid development.This paper firstly studies the emergence and development of P2 P financial model and comprehensively analyzes the problems existing in the design and service platform.Facing the development difficulties and potential opportunities in the current social situation,the paper combines with the user's financial needs psychological status when contacting when contacting with P2 P financial platform,then gets the points for user needs when designing financial platform P2 P,including security and trusted platform,easily use process,timely and reasonable user feedback,and user evaluation and communication,then proposes the direction to optimize the P2 P system financial services with the service design idea and the basis above all.Thereafter,the paper will construct P2 P financial platform conceptual model based on some service design methods by starting from the service design,service design blueprint and key point.It will also create a good user experience of financial services chain by starting from the three parts of financial users,online platform and online products.At last,the paper takes the loan financing platform design as example to design financial platform which is based on the idea of service design to verify the previous theoretical results.The purpose to study P2 P financial platform design based on service concept,on one hand,is improving user experience of the financial management by service plan to facilitate a formation and development of new financial behavior and consciousness;on the other hand,is promoting the speed of capital flow between individual user to add social capital sources and provide new power for social and economic development.At the same time,the study will provide a valuable reference of service design concept in other design projects on internet products.