The rapid digitization of financial services has fundamentally reshaped how wealth management institutions conceptualize value creation, customer engagement, and advisory excellence. Among the most transformative developments is hyper-personalization, an advanced evolution of traditional personalization that leverages artificial intelligence, big data analytics, cloud-based customer relationship management systems, Internet of Things-driven customer intelligence, and scalable data architectures. This research article develops a comprehensive theoretical and analytical examination of hyper-personalization in wealth management, with particular emphasis on the Medallion Architecture as a foundational data strategy enabling secure, compliant, and adaptive personalization at scale. Drawing strictly from the provided scholarly and policy-oriented references, the article synthesizes interdisciplinary insights from financial technology, artificial intelligence governance, customer experience design, and regulatory studies. The study adopts a qualitative, theory-driven methodology, relying on systematic literature integration and conceptual analysis rather than empirical experimentation. Findings demonstrate that hyper-personalization emerges not merely as a technological capability but as an institutional transformation requiring coordinated data governance, human–AI collaboration, regulatory foresight, and ethical accountability. The results further reveal that cloud-based CRM systems and IoT-enabled intelligence act as critical intermediaries between raw data ecosystems and actionable advisory insights, while AI-driven analytics reconfigure trust, loyalty, and decision-making processes within wealth management relationships. The discussion critically examines systemic risks, including algorithmic opacity, data security vulnerabilities, and regulatory fragmentation, while also outlining future research trajectories focused on explainable AI, adaptive compliance frameworks, and augmented intelligence models. The article concludes that sustainable hyper-personalization in wealth management depends on balancing technological sophistication with human judgment, institutional transparency, and long-term societal trust.

Hyper-personalization, Wealth management, Artificial intelligence, Medallion architecture

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