Harsh Singh, “LEVERAGING GENERATIVE AI FOR PERSONALIZED OFFERS IN DIGITAL PAYMENTS: A TECHNICAL OVERVIEW”, IJRCAIT, vol. 8, no. 1, pp. 2498–2511, Feb. 2025, Accessed: Jul. 18, 2025. [Online]. Available: https://ijrcait.com/index.php/home/article/view/IJRCAIT_08_01_181