Credit risk analysis in financial institutions traditionally requires analysts to manually write SQL queries, run statistical computations, and build visualization dashboards. This is a time-consuming workflow that limits exploration to familiar segments. We introduce \textbf{Oculi}, a conversational platform that transforms natural language questions into comprehensive credit risk analyses, complete with data queries, statistical testing, and interactive visualizations. Oculi employs a three-layer architecture that separates reasoning (LLM-powered agent), execution (Model Context Protocol tool servers), and presentation (agentic UI), enabling analysts to discover high-risk portfolio segments. Within Oculi, a new segment discovery pipeline is proposed that combines deterministic statistical methods with LLM-guided feature selection, leveraging LLM semantic domain knowledge alongside data-driven metrics to identify meaningful, actionable portfolio segments. Evaluated on a mortgage portfolio with 200+ features, Oculi demonstrates effectiveness in discovering material risk segments previously intractable through manual exploration, reducing time-to-insight significantly while maintaining auditability and statistical rigor.
Vennise Ho, Kristian Diana, Sandy Mourad et al.· 0 citations
Matching users to interest categories at scale is central to personalized shopping, but the task is challenging in large e-commerce platforms, where label spaces continually evolve and user-interest signals are sparse and long-tailed. Autoregressive language models are appealing because their world knowledge and semantic priors over descriptors generalize across extreme label spaces and accommodate multiple valid label assignments. Yet under teacher-forced fine-tuning, inference-time predictions become part of the conditioning context: early errors steer later outputs toward co-occurring labels, over-generating near-correlates and missing unrelated true interests. We present MERIT, a framework for user-interest propensity modeling that mitigates this exposure bias through a self-correction objective. A permutation-invariant multi-target loss over shuffled mixtures of gold and mined hard-negative labels exposes the generator to erroneous prefixes while preserving the efficiency of teacher-forced training. This training objective concentrates supervision at classification positions, yielding propensity-aligned hidden states powering a lightweight scorer for bidirectional retrieval (interests for users and users for interests). On a proprietary e-commerce dataset with 250k+ interest categories, MERIT improves global recall by at least 11.9% and average Hit@k by 6.1%. In production A/B tests, it achieves +0.26% gain in user conversion.
Hidden-state probes effectively detect LLM hallucinations, but the geometry of the signal remains poorly characterized, driving increasingly complex probe architectures. Across three 7B-scale models and three datasets in a paired-example paradigm, we find the signal overwhelmingly dominated by a single mean-shift component, and removing this direction collapses detection to chance. Shrinkage linear discriminant analysis closes about 73% of the gap between 1D and full-dimensional classifiers, so apparent architectural complexity largely reflects high-dimensional covariance estimation difficulty rather than exploitable non-linearity. A simple L2-regularized logistic regression (0.952 AUROC) bounds or outperforms twelve controlled architectural alternatives, and our multi-layer aggregation exceeds CLAP cross-layer attention probing under matched paradigm. Because the signal spans a contiguous layer band, LayerMix aggregates it to match oracle-layer performance without oracle access. Our claims characterize the geometry within the controlled paired-example paradigm. Our code is available at https://github.com/js-lee-AI/LayerMix.
Jungseob Lee, Jaehyung Seo, Heuiseok Lim· 0 citations
We propose a multi-task learning approach for multi-party dialogue intent recognition that leverages an auxiliary task that models turn-taking dynamics. Specifically, we introduce turn-transition entropy, a self-supervised target computed from the sequence of speaker transitions, which quantifies the predictability of interaction patterns. Experiments on multiple pre-trained models demonstrate that incorporating this auxiliary task improves intent recognition performance, outperforming existing approaches which ignore multi-party interaction dynamics. We find that our proposed continuous target can be learned as a single-task objective, suggesting that it is an actual signal carrying useful information.
Galo Castillo-L\'opez, Alexis Lombard, Ga\"el de Chalendar et al.· 0 citations
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High-resolution 3D radar data is scarce. Commodity mmWave sensors use small antenna arrays that limit angular resolution to several degrees, and existing datasets provide only 2D range-azimuth maps or sparse point clouds rather than raw analog-to-digital converter (ADC) signals. Hardware scaling is expensive, synthetic-aperture scanning is impractical at fleet scale, and learned synthesis methods are bottlenecked by the very data shortage they aim to address. We present mmIR, an open-source differentiable frequency-modulated continuous-wave (FMCW) radar inverse renderer that fits a physics-based forward model to real captures and re-renders from dense virtual apertures to synthesize high-resolution 3D radar data. Because radar resolution is too coarse to recover geometry directly, mmIR performs LiDAR-assisted inverse rendering: using LiDAR-derived meshes as a geometric scaffold, mmIR optimizes per-vertex International Telecommunication Union (ITU) physics materials, vertex normals, and antenna beam patterns through end-to-end automatic differentiation of a phase-coherent multiple-input multiple-output (MIMO) forward model with multi-bounce propagation, polarization, and free-space diffraction. On seven outdoor and six indoor ColoRadar scenes, mmIR achieves 0.914 mean Pearson correlation on range-azimuth maps versus 0.307 for Sionna-RT. Scenes trained on a cascaded imaging radar transfer to a co-located single-chip radar without re-training (0.554 correlation), and dense virtual arrays (100x100 elements) produce single-frame 3D occupancy validated against LiDAR. Project page: https://mmwave-inverse-rendering.github.io/
What does a generation loop gain from learning on its own verified successes? In cycles of generate, verify, select and LoRA-consolidate on online bin packing, training on value-filtered candidates shifts what the model writes on held-out variants toward value (-1.7 points of excess, p=0.008; -3.1 against a random-consolidation control, p=0.004) while the best observed candidate converges to the classic heuristic's level and no further. A confirmation battery replicates the whole procedure three times, with fresh seeds and a never-consulted held-out set read exactly once: the mean was nearly identical in all three lineages (-2.0, -1.8, -1.9), and after aggregating within held-out variant all seven evaluable variants favored consolidation (p=0.008). The best observed candidate moved to the classic heuristic's level, exactly (0.021028 in all three lineages, for attract and for the random control alike), and never beyond it. A matched SFT-only control shows the supervised anchor, not repulsion from bad candidates, does the concentrating (96% of candidates land exactly at the classic heuristic's level). The tails cut both ways: consolidation lowers the per-candidate rate of better-than-classic candidates (10% to 3.9%) while its larger production yields more such candidates absolutely (5 against 1, on few events). As motivation we report the inference-time ledger that led here: a model-written schematic recap buys judged document integration and nothing buys development; a verifier written into the stream is imitated, 16.4 fabricated verdict lines per notebook. Mean quality among valid candidates can be bought and replicated; the observed best goes to the classic and, so far, never beyond it.
The automated sorting of shredded black plastics from end-of-life (EOF) industrial waste presents a significant challenge in recycling facilities, primarily due to the limitations of current sensing and analytical approaches. Existing studies predominantly rely on single-point contact-based mid-infrared spectroscopy or laboratory hyperspectral imaging (HSI) setups, which fail to provide the spatially resolved analysis necessary for fast, bulk processing. Moreover, available datasets are laboratory-controlled and focus on intact rather than shredded plastics, hindering further recycling refinement. Black industrial plastics, in particular, are underrepresented, while most classification pipelines depend on manual region selection and rule-based spectral matching, neglecting spatial information and modern deep learning (DL) methods. To address these gaps, we introduce the first publicly available HSI dataset of shredded black plastics from EOF vehicle, comprising four industrial polymers across 13 co-registered RGB, VNIR, SWIR, and MWIR scenes and their segmentation pipeline. We developed a multi-modal spectral-spatial framework that integrates foreground isolation, pixel-wise classification, and object-level majority voting. By adapting advanced hyperspectral transformers from earth observation and incorporating chemometric band selection, we achieve accurate classification of complex black plastics. The study establishes the first comprehensive benchmark using nine processing methods, including chemometric, machine learning, and DL architectures. To ensure reproducibility, the complete dataset and methodologies are publicly released, establishing a benchmark for a hyperspectral object-analysis pipeline in industrial inspection.
Elias Arbash, Andr\'ea de Lima Ribeiro, Filipa Sim\~oes et al.· 0 citations
The ability to leverage images from co-available modalities to inform target-domain reconstruction is highly desirable in imaging algorithms. In this work, we introduce Generative Translation Priors (GTP)--a Bayesian framework that transforms diffusion-based image-to-image translation models into cross-modality image priors for ill-posed imaging inverse problems. GTP incorporates target-domain measurements through likelihood guidance, steering the translation process toward the desired posterior distribution. The framework is grounded in a theoretical analysis of the resulting posterior dynamics, which reveals an intrinsic bias introduced by likelihood guidance. We further characterize this bias and derive a ground-truth-free formulation for its estimation, enabling it to serve as a practical metric for assessing posterior sampling quality. Building on this analysis, we derive two discretized GTP algorithms based on gradient and proximal likelihood guidance, respectively. We validate GTP on computed tomography reconstruction with magnetic resonance side information, and on positron emission tomography reconstruction with computed tomography side information. Experiments demonstrate that GTP effectively incorporates complementary cross-modality information and achieves high-fidelity reconstruction even under severely undersampled measurements.
Evan Bell, Jiaming Liu, Yifan Chen et al.· 0 citations
Joint modulation recognition and signal-to-interference-plus-noise ratio (SINR) estimation can reduce duplicated processing in intelligent receivers, but the two tasks have different uncertainty characteristics. This letter proposes an uncertainty-aware multi-task model that transforms each short normalized in-phase/quadrature window into 36 deterministic, label-free statistics, learns a shared representation, and uses task-specific adapters for modulation classification and heteroscedastic SINR regression. A joint uncertainty score combines classification entropy and predicted regression variance to support selective inference. Simulations cover QPSK, 8PSK, 16QAM, and 64QAM under matched additive white Gaussian noise/Rayleigh channels and an unseen frequency-selective Rician channel. Over five independent seeds, the proposed model improves matched and unseen-channel accuracy over conventional multi-task learning by 14.86 and 8.61 percentage points, respectively, while reducing SINR mean absolute error by 1.60 and 1.61 dB. Confidence-based rejection further lowers modulation error under channel mismatch.
Layer-skipping methods for efficient LLM inference decide, at some granularity, which transformer layers to execute for a given input. We present a rigor-matched, three-seed audit of two periodic-step, search-based methods that make this decision online at inference time and re-evaluate it every few generation steps: a confidence-gated early-exit baseline (ConfLayers) and genuine self-speculative decoding (SWIFT, Xia et al. 2024), together with vanilla autoregressive decoding, across two model scales (Qwen2.5-0.5B and Qwen2.5-1.5B) and two tasks (GSM8K reasoning and CNN/DailyMail summarization). SWIFT is the strongest method on accuracy in three of four cells; ConfLayers is dominated everywhere, with particularly large deficits on GSM8K at 1.5B. Once online-search overhead is separated from pure inference cost, SWIFT's true inference speed is faster than ConfLayers's in all four cells (5-21%), reversing the naive wall-clock ranking in three of them. ConfLayers's search overhead is small and stable (1-2% of cost), while SWIFT's is larger and more variable (up to 28.7%). We additionally examine two trained-routing methods, LayerRoute (Sikdar, 2026) and LayerDrop (Fan et al. 2020), as a supplemental analysis because they operate at coarser decision granularities. Under a verified protocol with genuine per-input gating, a genuine full-model baseline, and genuine inference-time compute skipping, both show modest speedups (1.08-1.33x) but accuracy well below the periodic-step methods, including a near-total collapse for LayerRoute on GSM8K at 1.5B (0.003 mean exact-match across three seeds). We release the full audit protocol as a template for rigor-matched efficiency comparisons.
Ensuring a safe virtual reality (VR) experience requires systems that can predict and respond when users lose their balance. Although prior work has examined fall prediction and motion sickness, many approaches are regression-based and postural state classification remains less explored. This study compares machine learning (ML) and deep learning (DL) models for classifying postural states in VR under visual perturbations. We used a multimodal dataset containing kinematic, electromyographic (EMG), and electrodermal activity (EDA) signals. The data were prepared for a binary task to distinguish balanced from imbalanced postural states, and participant-wise downsampling addressed class imbalance. All models were evaluated with Leave-One-Participant-Out (LOPO) cross-validation to test generalization to unseen participants. Among the models, the Mamba-inspired CNN (MI-CNN) achieved the highest accuracy of 96.76%. SHapley Additive exPlanations (SHAP) analysis improved interpretability and identified the most influential classification factors. The SHAP results showed that kinematic features were dominant, indicating that body-motion patterns are informative for detecting imbalance in VR. We also evaluated MI-CNN using only the top two-thirds of features ranked by SHAP importance. Despite a 33% reduction in input dimensionality, the model maintained performance, achieving 0.957 accuracy and 0.957 F1-score, with about a 1% decrease compared with the full-feature model. These findings suggest that multimodal sensing, temporal deep learning, and explainable AI can support reliable classification of balance-related instability in VR. Accurate recognition of imbalanced postural states may raise awareness of fall risk and guide safer, adaptive VR systems that respond to instability while improving user safety and experience. Code is available at: https://github.com/NipaAnjum/MI-CNN.
Nipa Anjum, Md Irfan Pavel, Robert Gonzalez Jr et al.· 0 citations
Representation learning begins when training changes the features that define similarity between data. A frozen-kernel model only reweights a fixed geometry. We establish quantum signal processing (QSP) as a solvable quantum model of the representation-learning regime. At arbitrary depth, we compute the exact mean and variance of its quantum neural tangent kernel, revealing an input-dependent angular geometry whose diagonal remains non-self-averaging even when the underlying unitary approaches Haar randomness. We also prove a sparse-data guarantee for the full nonlinear gradient flow without freezing or ensemble-averaging the kernel: the realized dynamics converges to an integrable scalar flow with a time-dependent kernel closure and explicit convergence times. A finite-depth speed limit holds for every data set and trajectory. At higher data density, numerical results show coupled evolution beyond both the scalar and frozen-kernel descriptions. These results give a controlled theory of learned quantum data geometry with provable training dynamics beyond the frozen limit.
A new machine-learning framework aims to improve the success rate of computational protein design while moving away from results that reproduce sequences found in nature.
MIT News · Artificial Intelligence· news.mit.eduAug 24, 2026
A new method for surgically removing training examples from a model reveals that as datasets grow, the link between what a model learns and what it produces dissolves.
