Sarang Javkhedkar, Anjali Shrungarkar, Atul Kulkarni 2025. The Convergent Impact: How Chatbots, Personalization, and Predictive Analytics Synergistically Shape Consumer Behavior. European Economic Letters (EEL). 15, 4 (Sep. 2025), 654–662. DOI:https://doi.org/10.52783/eel.v15i4.3690.