Zahiruddin Babar, Rishi Prakash Shukla 2024. BRIDGING THE DIGITAL DIVIDE – ENHANCING MUTUAL FUND DISTRIBUTION THROUGH AI-DRIVEN PERSONALIZATION AND HYBRID ADVISORY MODELS. European Economic Letters (EEL). 14, 4 (Dec. 2024), 2297–2305. DOI:https://doi.org/10.52783/eel.v14i4.2793.