Decentralized and Intelligent Hyper-Personalization in Digital Finance: Integrating Artificial Intelligence, Blockchain, and Data-Driven Architectures for Trust-Centric Financial Services
Keywords:
Hyper-personalization, Digital finance, Artificial intelligence, BlockchainAbstract
The rapid digital transformation of financial services has fundamentally reshaped how institutions interact with customers, shifting from standardized offerings toward deeply individualized experiences. Hyper-personalization, enabled by artificial intelligence, big data analytics, blockchain, and real-time digital infrastructures, has emerged as a strategic imperative in digital finance and wealth management. However, this evolution also introduces complex challenges related to trust, privacy, transparency, regulatory compliance, and ethical accountability. This research article develops a comprehensive theoretical and analytical framework for understanding hyper-personalization in digital finance by synthesizing insights from artificial intelligence, blockchain technology, data science, and financial systems research. Drawing strictly from the provided academic literature, the study examines how advanced personalization mechanisms are architected, operationalized, and governed across modern financial ecosystems. The article explores the role of generative AI in customized financial content, explainable AI in recommendation systems, reinforcement learning in dynamic pricing, and blockchain in decentralized trust and consent management. Particular attention is given to the tension between personalization and privacy, especially in the context of GDPR compliance and consumer trust in FinTech environments. Through an extensive qualitative and conceptual analysis, the article identifies emerging patterns, strategic trade-offs, and institutional implications of hyper-personalization. The findings suggest that sustainable personalization in finance requires not only technical sophistication but also transparent governance models, ethical AI practices, and hybrid architectures that balance automation with human oversight. By offering a deeply elaborated, integrative perspective, this study contributes to the academic discourse on digital finance transformation and provides a foundation for future empirical and policy-oriented research.
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Copyright (c) 2025 Dr. Mateo Rossi
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