Prof. Dr. Stefan Lessmann. “Hyper-Personalization, Analytics, and Artificial Intelligence in FinTech Ecosystems: Theoretical Foundations, Methodological Evolutions, and Socio-Technical Implications”. Global Multidisciplinary Journal 4, no. 12 (December 31, 2025): 65–70. Accessed February 23, 2026. https://www.grpublishing.org/journals/index.php/gmj/article/view/265.