LDR 00586naa#a2200169#i#450# 001 EN\\bibl\124512 005 20260531022710.7 011 ## _a2782-4586 100 ## _a20260530b2026####ek#y0engy0150####ca 102 ## _aRU 200 1# _aAi-driven personalization in banking: recommendation systems and next best offer models _eJournal article 210 1# _aMoscow _cITBO University _d2026 215 ## _a6 с. 608 ## _aJournal article _2local 675 ## _aМаркетинг. 339.138 _aИскусственный интеллект. 004.8 _z 700 #1 _aStavrickiy _gAleksandr Vladimirovich 856 4# _ajomeam.ru _u