00586naa#a2200169#i#4500001001600000005001700016011001400033100004100047102000700088200011000095210003400205215001000239608002700249675008600276700004000362856001400402EN\\bibl\12451220260531013641.7##a2782-4586##a20260530b2026####ek#y0engy0150####ca##aRU1#aAi-driven personalization in banking: recommendation systems  and next best offer modelseJournal article1#aMoscowcITBO Universityd2026##a6 с.##aJournal article2local##aМаркетинг. 339.138aИскусственный интеллект. 004.8#1aStavrickiygAleksandr Vladimirovich4#ajomeam.ru