Dr. Kenji Tanaka (2025) “Hyper-Personalization in Digital Financial Services: Integrating Medallion Architecture, Generative AI, and Responsible Data Governance for Next-Generation Wealth Management”, International Journal of Advance Scientific Research, 5(12), pp. 20–25. Available at: https://sciencebring.com/index.php/ijasr/article/view/1071 (Accessed: 16 January 2026).