Ramish Maqsood, et al. “AI-Driven Personalization and Consumer Loyalty in Emerging Markets: A Qualitative Study on Trust, Perceived Value, and Ethics in Digital Marketing Practices in Pakistan”. Journal of Management Science Research Review, vol. 5, no. 1, Feb. 2026, pp. 1919-3, https://www.jmsrr.com/index.php/Journal/article/view/549.