Akhmad Ariyadi, F., and R. . Bagus Fajriya Hakim. “Predictive Segmentation for Retail CRM: An EIV Framework With Machine Learning and Causal Experimentation”. Eduvest - Journal of Universal Studies, vol. 6, no. 7, July 2026, pp. 7967-75, doi:10.59188/eduvest.v6i7.52999.