Dr. Aris Thorne (2025) “Architecting Hyper-Personalized Financial Services: Integrating Artificial Intelligence, Cloud CRM, IoT Intelligence, and Medallion Data Architecture in Contemporary Wealth Management”, The American Journal of Management and Economics Innovations, 7(12), pp. 72–76. Available at: https://theamericanjournals.com/index.php/tajmei/article/view/7207 (Accessed: 28 January 2026).