Abhay Sahukar, et al. “CONVERGING FINTECH AND MARKETING TECHNOLOGY: AN INTEGRATED FRAMEWORK FOR AI-DRIVEN CUSTOMER ACQUISITION AND LIFETIME VALUE OPTIMIZATION IN DIGITAL-FIRST FINANCIAL SERVICES”. International Educational Journal of Science and Engineering, vol. 9, no. 05, June 2026, pp. 605-10, https://iejse.com/journals/index.php/iejse/article/view/399.