Garg, Arpit, M Pandey, and A R Pathak. “A Multi-Layered AI-IoT Framework for Adaptive Financial Services”. International Journal of Emerging Trends in Computer Science and Information Technology 5, no. 3 (October 30, 2024): 47–57. Accessed September 15, 2025. https://ijetcsit.org/index.php/ijetcsit/article/view/267.