GARG, Arpit; PANDEY, M; PATHAK, A R. A Multi-Layered AI-IoT Framework for Adaptive Financial Services. International Journal of Emerging Trends in Computer Science and Information Technology, [S. l.], v. 5, n. 3, p. 47–57, 2024. DOI: 10.63282/3050-9246.IJETCSIT-V5I3P105. Disponível em: https://www.ijetcsit.org/index.php/ijetcsit/article/view/267. Acesso em: 13 sep. 2025.