Harsh Singh. “LEVERAGING GENERATIVE AI FOR PERSONALIZED OFFERS IN DIGITAL PAYMENTS: A TECHNICAL OVERVIEW”. INTERNATIONAL JOURNAL OF RESEARCH IN COMPUTER APPLICATIONS AND INFORMATION TECHNOLOGY (IJRCAIT) 8, no. 1 (February 14, 2025): 2498–2511. Accessed July 17, 2025. https://ijrcait.com/index.php/home/article/view/IJRCAIT_08_01_181.