arXiv:2604.03976v1 Announce Type: new Abstract: Prior work on trustworthy AI emphasizes model-internal properties such as bias mitigation, adversarial robustness, and interpretability. As AI systems evolve into autonomous agents deployed in open environments and increasingly connected to payments or assets, the operational meaning of trust shifts to end-to-end outcomes: whether an agent completes tasks, follows user intent, and avoids failures that cause material or psychological harm. These risks are fundamentally product-level and cannot be eliminated by technical safeguards alone because agent behavior is inherently stochastic. To address this gap between model-level reliability and user-facing assurance, we propose a complementary framework based on risk management. Drawing inspiration from financial underwriting, we introduce the \textbf{Agentic Risk Standard (ARS)}, a payment settlement standard for AI-mediated transactions. ARS integrates risk assessment, underwriting, and compensation into a single transaction framework that protects users when interacting with agents. Under ARS, users receive predefined and contractually enforceable compensation in cases of execution failure, misalignment, or unintended outcomes. This shifts trust from an implicit expectation about model behavior to an explicit, measurable, and enforceable product guarantee. We also present a simulation study analyzing the social benefits of applying ARS to agentic transactions. ARS's implementation can be found at https://github.com/t54-labs/AgenticRiskStandard.

arXiv:2604.04274v1 Announce Type: new Abstract: Causal inference is central to scientific discovery, yet choosing appropriate methods remains challenging because of the complexity of both statistical methodology and real-world data. Inspired by the success of artificial intelligence in accelerating scientific discovery, we introduce InferenceEvolve, an evolutionary framework that uses large language models to discover and iteratively refine causal methods. Across widely used benchmarks, InferenceEvolve yields estimators that consistently outperform established baselines: against 58 human submissions in a recent community competition, our best evolved estimator lay on the Pareto frontier across two evaluation metrics. We also developed robust proxy objectives for settings without semi-synthetic outcomes, with competitive results. Analysis of the evolutionary trajectories shows that agents progressively discover sophisticated strategies tailored to unrevealed data-generating mechanisms. These findings suggest that language-model-guided evolution can optimize structured scientific programs such as causal inference, even when outcomes are only partially observed.

arXiv:2604.03409v1 Announce Type: cross Abstract: Generative artificial intelligence offers a new paradigm to design matter in high-dimensional spaces. However, its underlying mechanisms remain difficult to interpret and limit adoption in computational mechanics. This gap is striking because its core tools-diffusion, stochastic differential equations, and inverse problems-are fundamental to the mechanics of materials. Here we show that diffusion-based generative AI and computational mechanics are rooted in the same principles. We illustrate this connection using a three-ingredient burger as a minimal benchmark for material design in a low-dimensional space, where both forward and reverse diffusion admit analytical solutions: Markov chains with Bayesian inversion in the discrete case and the Ornstein-Uhlenbeck process with score-based reversal in the continuous case. We extend this framework to a high-dimensional design space with 146 ingredients and 8.9x10^43 possible configurations, where analytical solutions become intractable. We therefore learn the discrete and continuous reverse processes using neural network models that infer inverse dynamics from data. We train the models on only 2,260 recipes and generate one million samples that capture the statistical structure of the data, including ingredient prevalence and quantitative composition. We further generate five new burgers and validate them in a restaurant-based sensory study with 100 participants, where three of the AI-designed burgers outperform the classical Big Mac in overall liking, flavor, and texture. These results establish diffusion-based generative modeling as a physically grounded approach to design in high-dimensional spaces. They position generative AI as a natural extension of computational mechanics, with applications from burgers to matter, and establish a path toward data-driven, physics-informed generative design.

arXiv:2511.14130v2 Announce Type: replace Abstract: With the rapid progress of large language models (LLMs), financial information retrieval has become a critical industrial application. Extracting task-relevant information from lengthy financial filings is essential for both operational and analytical decision-making. We present PRISM, a training-free framework that integrates refined system prompting, in-context learning (ICL), and lightweight multi-agent coordination for document and chunk ranking tasks. Our primary contribution is a systematic empirical study of when each component provides value: prompt engineering delivers consistent performance with minimal overhead, ICL enhances reasoning for complex queries when applied selectively, and multi-agent systems show potential primarily with larger models and careful architectural design. Extensive ablation studies across FinAgentBench, FiQA-2018, and FinanceBench reveal that simpler configurations often outperform complex multi-agent pipelines, providing practical guidance for practitioners. Our best configuration achieves an NDCG@5 of 0.71818 on FinAgentBench, ranking third while being the only training-free approach in the top three. We provide comprehensive feasibility analyses covering latency, token usage, and cost trade-offs to support deployment decisions. The source code is released at https://bit.ly/prism-ailens.

arXiv:2512.13168v4 Announce Type: replace Abstract: We introduce FinWorkBench (a.k.a. Finch), a benchmark for evaluating agents on real-world, enterprise-grade finance and accounting workflows that interleave data entry, structuring, formatting, web search, cross-file retrieval, calculation, modeling, validation, translation, visualization, and reporting. Finch is built from authentic enterprise workspaces from Enron (15,000 files and 500,000 emails) and other financial institutions spanning 2000 to 2025, preserving the in-the-wild messiness of multimodal artifacts such as tables and charts across diverse domains including budgeting, trading, and asset management. We propose a workflow construction process that combines LLM-assisted mining of workflows from authentic enterprise environments with expert annotation. Specifically, we use LLM-assisted, expert-verified derivation of workflows from real-world email threads and spreadsheet version histories, followed by meticulous workflow annotation requiring more than 700 hours of expert effort. This process yields 172 composite workflows with 384 tasks, involving 1,710 spreadsheets with 27 million cells, along with PDFs and other artifacts, capturing the intrinsically messy, long-horizon, knowledge-intensive, and collaborative nature of enterprise work. We conduct both human and automated evaluations of frontier AI systems, including GPT 5.1, Claude Sonnet/Opus 4.5, Gemini 3 Pro, Grok 4, and Qwen 3 Max. GPT 5.1 Pro spends an average of 16.8 minutes per workflow yet passes only 38.4% of workflows. Comprehensive case studies further highlight the challenges that real-world enterprise workflows pose for AI agents.

arXiv:2506.09749v3 Announce Type: replace-cross Abstract: In complex engineering systems, the dependencies among components or development activities are often modeled and analyzed using Design Structure Matrix (DSM). Reorganizing elements within a DSM to minimize feedback loops and enhance modularity or process efficiency constitutes a challenging combinatorial optimization (CO) problem in engineering design and operations. As problem sizes increase and dependency networks become more intricate, traditional optimization methods that rely solely on mathematical heuristics often fail to capture the contextual nuances and struggle to deliver effective solutions. In this study, we explore the potential of Large Language Models (LLMs) to address such CO problems by leveraging their capabilities for advanced reasoning and contextual understanding. We propose a novel LLM-based framework that integrates network topology with contextual domain knowledge for iterative optimization of DSM sequencing-a common CO problem. Experiments on various DSM cases demonstrate that our method consistently achieves faster convergence and superior solution quality compared to both stochastic and deterministic baselines. Notably, incorporating contextual domain knowledge significantly enhances optimization performance regardless of the chosen LLM backbone. These findings highlight the potential of LLMs to solve complex engineering CO problems by combining semantic and mathematical reasoning. This approach paves the way towards a new paradigm in LLM-based engineering design optimization.

arXiv:2510.16066v4 Announce Type: replace-cross Abstract: Despite accounting for 96.1% of all businesses in Malaysia, access to financing remains one of the most persistent challenges faced by Micro, Small, and Medium Enterprises (MSMEs). Newly established businesses are often excluded from formal credit markets as traditional underwriting approaches rely heavily on credit bureau data. This study investigates the potential of bank statement data as an alternative data source for credit assessment to promote financial inclusion in emerging markets. First, we propose a cash flow-based underwriting pipeline where we utilize bank statement data for end-to-end data extraction and machine learning credit scoring. Second, we introduce a novel dataset of 611 loan applicants from a Malaysian consulting firm. Third, we develop and evaluate credit scoring models based on application information and bank transaction-derived features. Empirical results demonstrate that incorporating bank statement features yields substantial improvements, with our best model achieving an AUROC of 0.806 on validation set, representing a 24.6% improvement over models using application information only. Finally, we will release the anonymized bank transaction dataset to facilitate further research on MSME financial inclusion within Malaysia's emerging economy.