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Your team is developing a global banking application aimed at serving millions of users worldwide. The application features a sophisticated forecasting model designed to predict individual account balances three days in advance. These predictions will be used to trigger personalized notifications for users whose account balances are forecasted to fall below $25. Given the scale of the application and the need for real-time, efficient, and scalable notification delivery, what is the most effective method to serve these predictions? Consider factors such as scalability, cost-effectiveness, and the ability to deliver personalized notifications in real-time. Choose the best option from the following: