Dr. Kenji Tanaka, “Hyper-Personalization in Digital Financial Services: Integrating Medallion Architecture, Generative AI, and Responsible Data Governance for Next-Generation Wealth Management ”, ssms, vol. 5, no. 12, pp. 20–25, Dec. 2025, Accessed: Aug. 27, 2026. [Online]. Available: https://sciencebring.net/index.php/sqrd/article/view/56