Hybrid Intent-Aware Personalization with Machine Learning and RAG-Enabled Large Language Models for Financial Services Marketing

• URL: http://arxiv.org/abs/2603.14173v1
• Date: Wed, 11 Mar 2026 20:05:19 GMT
• Title: Hybrid Intent-Aware Personalization with Machine Learning and RAG-Enabled Large Language Models for Financial Services Marketing
• Abstract summary: This paper presents a hybrid architecture that integrates machine learning for segmentation, latent intent modeling, and personalization prediction.<n>The contribution is primarily architectural, demonstrating how predictive modeling and RAG-based generation can be combined into a transparent, explainable pipeline for financial services personalization.
• Score: 0.0
• License: http://creativecommons.org/licenses/by/4.0/
• Abstract: Personalized marketing in financial services requires models that can both predict customer behavior and generate compliant, context-appropriate content. This paper presents a hybrid architecture that integrates classical machine learning for segmentation, latent intent modeling, and personalization prediction with retrieval-augmented large language models for grounded content generation. A synthetic, reproducible dataset is constructed to reflect temporal customer behavior, product interactions, and marketing responses. The proposed framework incorporates temporal encoders, latent representations, and multi-task classification to estimate segment membership, customer intent, and product-channel recommendations. A retrieval-augmented generation layer then produces customer-facing messages constrained by retrieved domain documents. Experiments show that temporal modeling and intent features improve personalization accuracy, while citation-based retrieval reduces unsupported generation and supports auditability in regulated settings. The contribution is primarily architectural, demonstrating how predictive modeling and RAG-based generation can be combined into a transparent, explainable pipeline for financial services personalization.

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