VinayKumar Dunka, Sricharan Kodali, Midhun Punukollu, Sreeharsha Burugu, Raghuveer Prasad Yerneni, and Pavan Punukollu. “AI-Based Customer Retention and Engagement Strategies in Retail Banking: Utilizing Machine Learning and Behavioral Analytics for Personalized Financial Services”. American Journal of Data Science and Artificial Intelligence Innovations 1 (December 27, 2021): 595–631. Accessed May 16, 2026. https://ajdsai.org/index.php/publication/article/view/69.