“PERSONALIZED MARKETING STRATEGIES: HOW TO TAILOR OFFERS AND SERVICES TO EFFECTIVELY MEET CUSTOMER NEEDS”, Wor.econo. and fin. Bul., vol. 35, pp. 97–108, Jun. 2024, Accessed: Apr. 17, 2026. [Online]. Available: https://www.scholarexpress.net/index.php/wefb/article/view/4307