Zahiruddin Babar, Rishi Prakash Shukla. “BRIDGING THE DIGITAL DIVIDE – ENHANCING MUTUAL FUND DISTRIBUTION THROUGH AI-DRIVEN PERSONALIZATION AND HYBRID ADVISORY MODELS”. European Economic Letters (EEL) 14, no. 4 (December 31, 2024): 2297–2305. Accessed September 14, 2025. https://www.eelet.org.uk/index.php/journal/article/view/2793.