A major financial institution is leveraging data analytics to understand its customer base better and improve its decision$-$making process. The firm is utilizing Al to predict customer behaviour, design personalized services, and optimize product pricing models.Which fintech technique is the firm most likely applying to gain a competitive advantage?a$.$ Blockchain for enhanced transaction processingb. Robo$-$advisory for automated wealth managementc. P$2$P lending for customer credit accessd. Al and Machine Learning for predictive analytics