00586naa#a2200169#i#450# EN\\bibl\124512 20260531010622.7 2782-4586 20260530b2026####ek#y0engy0150####ca RU Ai-driven personalization in banking: recommendation systems and next best offer models Journal article Moscow ITBO University 2026 6 с. Journal article local Маркетинг. 339.138 Искусственный интеллект. 004.8 Stavrickiy Aleksandr Vladimirovich jomeam.ru