A. . Yousaf, D. S. . Shahid, W. . Ahmed, and M. R. . Tahir, “Artificial Intelligence Applications in Retail Banking: Enhancing Customer Loyalty, Service Quality, and Financial Decision-Making Through Personalization and Predictive Insights”, AIJSS, vol. 4, no. 3, pp. 3889–3902, Aug. 2025, doi: 10.63056/ACAD.004.03.0675.