No reference, no textures.
I would suggest, if you're going to use stylized coloration (the over-bright colors) that you would also do the same to the lady's skin. Perhaps a peachier, slightly more saturated tint of that tone would make her skin look less grey against the brilliant backgrounds in your image.
One other suggestion I have would be to use a blending brush to blend the water left and right to give the illusion of tiny waves and ripples in the water. I realize that that body of water is likely a pond, but water is very, very rarely completely still, so some good ripples and dips and waves would give this image an extra ounce of realism to mix with the stylized colors well.
I'd also suggest avoiding any straight neutral greys, blacks or whites. Instead, use very very subtly colored greys, maybe a little bluish, greenish, yellowish or pinkish depending on the setting, but straight greys look very flat when used in images. Along that same grain, using different values, not simply darker or lighter, in shading and highlighting will aid you as well, to a slightly more realistic lighting. For instance, you can decide that your light source is yellowish, and make your shadows slightly violet using a low opacity brush.
Overall this image is very gorgeous! I love the details on her dress, and the detailing in all of the foliage, particularly the tiny tiny details in the grass Lovely work!
(Also, I remembered seeing this, from another club, or your own submission, so I apologize if I have already commented on or critiqued this!)
I like constructive critiques as yours, thans a lot for your comment
On a sidenote, she looks like a Taiwanese friend of mine.