Hybrid Intent-Aware Personalization with Machine Learning and RAG-Enabled Large Language Models for Financial Services Marketing
On the map: Retrieval-augmented generation → Legal and financial RAG
Abstract (arXiv)
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.
Key facts. No citing papers in the map yet (data through 14 Oct 2026). Placed in Legal and financial RAG, one of 15 directions in Retrieval-augmented generation. Builds on 15 of its 33 references that are in the map. First posted on arXiv 11 Mar 2026.
Builds on
15 of 33 references.
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- 2024Customized FinGPT Search Agents Using Foundation Models
- 2024Multi-Reranker: Maximizing performance of retrieval-augmented generation in the FinanceRAG challenge
- 2026Beyond Semantic Similarity: A Two-Phase Non-Parametric Retrieval Workflow for Corporate Credit Underwriting
- 2024Optimization Methods for Personalizing Large Language Models through Retrieval Augmentation
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