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), pp. 2297–2305. doi: 10.52783/eel.v14i4.2793.