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

arXiv: https://arxiv.org/abs/2603.14173 · HTML: https://mlsanity.com/paper/2603.14173/

## 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.

## Placed in

- Retrieval-augmented generation / [Legal and financial RAG](https://mlsanity.com/rag/legal-and-financial-rag/)

## Builds on (most cited first, 15 of 15)

- [Attention Is All You Need](https://mlsanity.com/paper/1706.03762/) (2017)
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- [Sentence-BERT: Sentence Embeddings using Siamese BERT-Networks](https://mlsanity.com/paper/1908.10084/) (2019)
- [A Unified Approach to Interpreting Model Predictions](https://mlsanity.com/paper/1705.07874/) (2017)
- [BERTScore: Evaluating Text Generation with BERT](https://mlsanity.com/paper/1904.09675/) (2019)
- [Neural Machine Translation by Jointly Learning to Align and Translate](https://mlsanity.com/paper/1409.0473/) (2014)
- [Learning Phrase Representations using RNN Encoder-Decoder for Statistical Machine Translation](https://mlsanity.com/paper/1406.1078/) (2014)
- [Axiomatic Attribution for Deep Networks](https://mlsanity.com/paper/1703.01365/) (2017)
- [Counterfactual Explanations without Opening the Black Box: Automated Decisions and the GDPR](https://mlsanity.com/paper/1711.00399/) (2017)
- [Ragas: Automated Evaluation of Retrieval Augmented Generation](https://mlsanity.com/paper/2309.15217/) (2023)
- [Consistent Individualized Feature Attribution for Tree Ensembles](https://mlsanity.com/paper/1802.03888/) (2018)
- [Explaining individual predictions when features are dependent: More accurate approximations to Shapley values](https://mlsanity.com/paper/1903.10464/) (2019)
- [Personalization of Large Language Models: A Survey](https://mlsanity.com/paper/2411.00027/) (2024)
- [LLMs for Customized Marketing Content Generation and Evaluation at Scale](https://mlsanity.com/paper/2506.17863/) (2025)
- [DECWA : Density-Based Clustering using Wasserstein Distance](https://mlsanity.com/paper/2310.16552/) (2023)

## 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.