@article{v1i3-004,
  title={Privacy-Preserving Audience Segmentation for Property Marketing: A Federated Learning Protocol for Marketing Analytics Under Data Governance Constraints},
  author={{Smart World Journal Editorial Desk (Kavya Menon, editorial pseudonym)}},
  note={Editorial pseudonym; responsible editor and original credit: Roman Vlasov},
  journal={Smart World Journal},
  year={2026},
  volume={1},
  number={3},
  url={https://smartworldjournal.com/issues/vol1/issue3/articles/article4.html},
  issn={3070-6270}
}