arXiv:2603.08267v1 Announce Type: new Abstract: Bias in financial language models constitutes a major obstacle to their adoption in real-world applications. Detecting such bias is challenging, as it requires identifying inputs whose predictions change when varying properties unrelated to the decision, such as demographic attributes. Existing approaches typically rely on exhaustive mutation and pairwise prediction analysis over large corpora, which is effective but computationally expensive-particularly for large language models and can become impractical in continuous retraining and releasing processes. Aiming at reducing this cost, we conduct a large-scale study of bias in five financial language models, examining similarities in their bias tendencies across protected attributes and exploring cross-model-guided bias detection to identify bias-revealing inputs earlier. Our study uses approximately 17k real financial news sentences, mutated to construct over 125k original-mutant pairs. Results show that all models exhibit bias under both atomic (0.58\%-6.05\%) and intersectional (0.75\%-5.97\%) settings. Moreover, we observe consistent patterns in bias-revealing inputs across models, enabling substantial reuse and cost reduction in bias detection. For example, up to 73\% of FinMA's biased behaviours can be uncovered using only 20\% of the input pairs when guided by properties derived from DistilRoBERTa outputs.

arXiv:2603.07339v1 Announce Type: cross Abstract: Deliberative democratic theory suggests that civic competence: the capacity to navigate disagreement, weigh competing values, and arrive at collective decisions is not innate but developed through practice. Yet opportunities to cultivate these skills remain limited, as traditional deliberative processes like citizens' assemblies reach only a small fraction of the population. We present Agora, an early-stage AI-powered platform that uses LLMs to organize authentic human voices on policy issues, helping users build consensus-finding skills by proposing and revising policy recommendations, hearing supporting and opposing perspectives, and receiving feedback on how policy changes affect predicted support. In a preliminary study with 44 university students, participants using the full interface (with access to voice explanations) reported higher levels of problem-solving skills, internal deliberation, and produced higher quality consensus statements compared to a control condition showing only aggregate support distributions. These initial findings point toward a promising direction for scaling civic education.

arXiv:2603.01396v2 Announce Type: replace Abstract: Single-cell perturbation studies face dual heterogeneity bottlenecks: (i) semantic heterogeneity--identical biological concepts encoded under incompatible metadata schemas across datasets; and (ii) statistical heterogeneity--distribution shifts from biological variation demanding dataset-specific inductive biases. We propose HarmonyCell, an end-to-end agent framework resolving each challenge through a dedicated mechanism: an LLM-driven Semantic Unifier autonomously maps disparate metadata into a canonical interface without manual intervention; and an adaptive Monte Carlo Tree Search engine operates over a hierarchical action space to synthesize architectures with optimal statistical inductive biases for distribution shifts. Evaluated across diverse perturbation tasks under both semantic and distribution shifts, HarmonyCell achieves a 95% valid execution rate on heterogeneous input datasets (versus 0% for general agents) while matching or even exceeding expert-designed baselines in rigorous out-of-distribution evaluations. This dual-track orchestration enables scalable automatic virtual cell modeling without dataset-specific engineering.

arXiv:2310.02195v4 Announce Type: replace-cross Abstract: Automated guided vehicles (AGVs) are widely used in various industries, and scheduling and routing them in a conflict-free manner is crucial to their efficient operation. We propose a loop-based algorithm that solves the online, conflict-free scheduling and routing problem for AGVs with any capacity and ordered jobs in loop-based graphs. The proposed algorithm is compared against an exact method, a greedy heuristic and a metaheuristic. We experimentally show, using theoretical and real instances on a model representing a real manufacturing plant, that this algorithm either outperforms the other algorithms or gets an equally good solution in less computing time.

arXiv:2510.17088v2 Announce Type: replace-cross Abstract: Financial anomalies arise from heterogeneous mechanisms -- price shocks, liquidity freezes, contagion cascades, and momentum reversals -- yet existing detectors produce uniform scores without revealing which mechanism is failing. This hinders targeted responses: liquidity freezes call for market-making support, whereas price shocks call for circuit breakers. Three key challenges remain: (1) static graphs cannot adapt when correlations shift across regimes; (2) uniform detectors overlook heterogeneous anomaly signatures; and (3) black-box scores provide no actionable guidance on driving mechanisms. We address these challenges with an adaptive graph learning framework that embeds interpretability architecturally rather than post hoc. The framework constructs stress-modulated graphs that adaptively interpolate between known sector and geographic relationships and data-driven correlations as market conditions evolve. Anomalies are decomposed via four mechanism-specific experts -- Price-Shock, Liquidity, Systemic-Contagion, and Momentum-Reversal -- each capturing a distinct anomaly channel documented in the financial economics literature. The resulting routing weights serve as interpretable proxies for mechanism attribution, with their relative values indicating each anomaly's primary driving mechanism. A hierarchical Market Pressure Index aggregates entity-level anomaly scores into graduated market-wide alerts. On 100 U.S. equities (2017-2024), the framework detects all six major stress events with a 3.7-day mean lead time, outperforming baselines by +33 percentage points, with AUC 0.888 and AP 0.626. Case studies on SVB (March 2023) and Japan carry-trade unwind (August 2024) demonstrate that routing weights automatically distinguish localized from systemic crises without labeled supervision.

arXiv:2602.00037v2 Announce Type: replace-cross Abstract: In this work, we propose to apply a new model fusion and learning paradigm, known as Combinatorial Fusion Analysis (CFA), to the field of Bitcoin price prediction. Price prediction of financial product has always been a big topic in finance, as the successful prediction of the price can yield significant profit. Every machine learning model has its own strength and weakness, which hinders progress toward robustness. CFA has been used to enhance models by leveraging rank-score characteristic (RSC) function and cognitive diversity in the combination of a moderate set of diverse and relatively well-performed models. Our method utilizes both score and rank combinations as well as other weighted combination techniques. Key metrics such as RMSE and MAPE are used to evaluate our methodology performance. Our proposal presents a notable MAPE performance of 0.19\%. The proposed method greatly improves upon individual model performance, as well as outperforms other Bitcoin price prediction models.

arXiv:2602.00086v3 Announce Type: replace-cross Abstract: This paper addresses stock price movement prediction by leveraging LLM-based news sentiment analysis. Earlier works have largely focused on proposing and assessing sentiment analysis models and stock movement prediction methods, however, separately. Although promising results have been achieved, a clear and in-depth understanding of the benefit of the news sentiment to this task, as well as a comprehensive assessment of different architecture types in this context, is still lacking. Herein, we conduct an evaluation study that compares 3 different LLMs, namely, DeBERTa, RoBERTa and FinBERT, for sentiment-driven stock prediction. Our results suggest that DeBERTa outperforms the other two models with an accuracy of 75% and that an ensemble model that combines the three models can increase the accuracy to about 80%. Also, we see that sentiment news features can benefit (slightly) some stock market prediction models, i.e., LSTM-, PatchTST- and tPatchGNN-based classifiers and PatchTST- and TimesNet-based regression tasks models.

arXiv:2603.04663v2 Announce Type: replace-cross Abstract: Standard Retrieval-Augmented Generation (RAG) architectures fail in high-stakes financial domains due to two fundamental limitations: the inherent arithmetic incompetence of Large Language Models (LLMs) and the distributional semantic conflation of dense vector retrieval (e.g., mapping "Net Income" to "Net Sales" due to contextual proximity). In deterministic domains, a 99% accuracy rate yields 0% operational trust. To achieve zero-hallucination financial reasoning, we introduce the Verifiable Numerical Reasoning Agent (VeNRA). VeNRA shifts the RAG paradigm from retrieving probabilistic text to retrieving deterministic variables via a strictly typed Universal Fact Ledger (UFL). We mathematically bound this ledger using a novel Double-Lock Grounding algorithm. Coupled with deterministic Python execution, this neuro-symbolic routing compresses systemic hallucination rates to a near-zero 1.2%. Recognising that upstream parsing anomalies inevitably occur, we introduce the VeNRA Sentinel: a 3-billion parameter SLM trained to forensically audit candidate using a single-token inference budget with optional post-hoc reasoning. To train the Sentinel, we steer away from traditional hallucination datasets in favour of Adversarial Simulation, programmatically sabotaging financial records to simulate Ecological Errors. The compact Sentinel consequently outperforms 70B+ frontier models in error detection. Through Loss Dilution phenomenon in Reverse-CoT training, we present a novel Micro-Chunking loss algorithm to stabilise gradients under extreme verdict penalisation, yielding a 28x latency speedup without sacrificing forensic rigor.

arXiv:2603.03804v1 Announce Type: cross Abstract: Central Bank Digital Currency (CBDCs) are becoming a new digital financial tool aimed at financial inclusion, increased monetary stability, and improved efficiency of payment systems, as they are issued by central banks. One of the most important aspects is that the CBDC must offer secure offline payment methods to users, allowing them to retain cash-like access without violating Anti-Money Laundering and Counter-terrorism Financing (AML/CFT) rules. The offline CBDC ecosystems will provide financial inclusion, empower underserved communities, and ensure equitable access to digital payments, even in connectivity-poor remote locations. With the rapid growth of Internet of Things (IoT) devices in our everyday lives, they are capable of performing secure digital transactions. Integrating offline CBDC payment with IoT devices enables seamless, automated payment without internet connectivity. However, IoT devices face special challenges due to their resource-constrained nature. This makes it difficult to include features such as double-spending prevention, privacy preservation, low-computation operation, and digital identity management. The work proposes a privacy-preserving offline CBDC model with integrated secure elements (SEs), zero-knowledge proofs (ZKPs), and intermittent synchronisation to conduct offline payments on IoT hardware. The proposed model is based on recent improvements in offline CBDC prototypes, regulations and cryptographic design choices such as hybrid architecture that involves using combination of online and offline payment in IoT devices using secure hardware with lightweight zero-knowledge proof cryptographic algorithm.

arXiv:2602.07970v3 Announce Type: replace-cross Abstract: Partial Differential Equations are precise in modelling the physical, biological and graphical phenomena. However, the numerical methods suffer from the curse of dimensionality, high computation costs and domain-specific discretization. We aim to explore pros and cons of different PDE solvers, and apply them to specific scientific simulation problems, including forwarding solution, inverse problems and equations discovery. In particular, we extend the recent CNF (NeurIPS 2023) framework solver to coupled and non-linear settings, together with down-stream applications. The outcomes include implementation of selected methods, self-tuning techniques, evaluation on benchmark problems and a comprehensive survey of neural PDE solvers and scientific simulation applications.

arXiv:2603.02948v1 Announce Type: cross Abstract: Physics-Informed Neural Networks (PINNs) incorporate physics into neural networks by embedding partial differential equations (PDEs) into their loss function. Despite their success in learning the underlying physics, PINN models remain difficult to train and interpret. In this work, a novel modeling approach is proposed, which relies on the use of Domain-aware Fourier Features (DaFFs) for the positional encoding of the input space. These features encapsulate all the domain-specific characteristics, such as the geometry and boundary conditions, and unlike Random Fourier Features (RFFs), eliminate the need for explicit boundary condition loss terms and loss balancing schemes, while simplifying the optimization process and reducing the computational cost associated with training. We further develop an LRP-based explainability framework tailored to PINNs, enabling the extraction of relevance attribution scores for the input space. It is demonstrated that PINN-DaFFs achieve orders-of-magnitude lower errors and allow faster convergence compared to vanilla PINNs and RFFs-based PINNs. Furthermore, LRP analysis reveals that the proposed leads to more physically consistent feature attributions, while PINN-RFFs and vanilla PINNs display more scattered and less physics-relevant patterns. These results demonstrate that DaFFs not only enhance PINNs' accuracy and efficiency but also improve interpretability, laying the ground for more robust and informative physics-informed learning.

arXiv:2602.19517v2 Announce Type: replace Abstract: We introduce CFE-Bench (Classroom Final Exam), a multimodal benchmark for evaluating the reasoning capabilities of large language models across more than 20 STEM domains. CFE-Bench is curated from repeatedly used, authentic university homework and exam problems, paired with reference solutions provided by course instructors. CFE-Bench remains challenging for frontier models: the newly released Gemini-3.1-pro-preview achieves 59.69% overall accuracy, while the second-best model, Gemini-3-flash-preview, reaches 55.46%, leaving substantial room for improvement. Beyond aggregate scores, we conduct a diagnostic analysis by decomposing instructor reference solutions into structured reasoning flows. We find that while frontier models often answer intermediate sub-questions correctly, they struggle to reliably derive and maintain correct intermediate states throughout multi-step solutions. We further observe that model-generated solutions typically contain more reasoning steps than instructor solutions, indicating lower step efficiency and a higher risk of error accumulation. Data and code are available at https://github.com/Analogy-AI/CFE_Bench.

arXiv:2602.19517v1 Announce Type: new Abstract: We introduce \CFE{} (\textbf{C}lassroom \textbf{F}inal \textbf{E}xam), a multimodal benchmark for evaluating the reasoning capabilities of large language models across more than 20 STEM domains. \CFE{} is curated from repeatedly used, authentic university homework and exam problems, together with reference solutions provided by course instructors. \CFE{} presents a significant challenge even for frontier models: the newly released Gemini-3.1-pro-preview achieves an overall accuracy of 59.69\%, while the second-best model, Gemini-3-flash-preview, reaches 55.46\%, leaving considerable room for improvement. Beyond leaderboard results, we perform a diagnostic analysis by decomposing reference solutions into reasoning flows. We find that although frontier models can often answer intermediate sub-questions correctly, they struggle to reliably derive and maintain correct intermediate states throughout multi-step solutions. We further observe that model-generated solutions typically have more reasoning steps than those provided by the instructor, indicating suboptimal step efficiency and a higher risk of error accumulation. The data and code are available at https://github.com/Analogy-AI/CFE_Bench.

arXiv:2602.18296v1 Announce Type: cross Abstract: Manufacturing automation in process planning, inspection planning, and digital-thread integration depends on a unified specification that binds the geometric features of a 3D CAD model to the geometric dimensioning and tolerancing (GD&T) callouts, datum definitions, and surface requirements carried by the corresponding 2D engineering drawing. Although Model-Based Definition (MBD) allows such specifications to be embedded directly in 3D models, 2D drawings remain the primary carrier of manufacturing intent in automotive, aerospace, shipbuilding, and heavy-machinery industries. Correctly linking drawing annotations to the corresponding 3D features is difficult because of contextual ambiguity, repeated feature patterns, and the need for transparent and traceable decisions. This paper presents a deterministic-first, context-aware framework that maps 2D drawing entities to 3D CAD features to produce a unified manufacturing specification. Drawing callouts are first semantically enriched and then scored against candidate features using an interpretable metric that combines type compatibility, tolerance-aware dimensional agreement, and conservative context consistency, along with engineering-domain heuristics. When deterministic scoring cannot resolve an ambiguity, the system escalates to multimodal and constrained large-language-model reasoning, followed by a single human-in-the-loop (HITL) review step. Experiments on 20 real CAD-drawing pairs achieve a mean precision of 83.67%, recall of 90.46%, and F1 score of 86.29%. An ablation study shows that each pipeline component contributes to overall accuracy, with the full system outperforming all reduced variants. By prioritizing deterministic rules, clear decision tracking, and retaining unresolved cases for human review, the framework provides a practical foundation for downstream manufacturing automation in real-world industrial environments.

arXiv:2602.19475v1 Announce Type: cross Abstract: Physics-informed neural networks (PINNs) have emerged as a promising mesh-free paradigm for solving partial differential equations, yet adoption in science and engineering is limited by slow training and modest accuracy relative to modern numerical solvers. We introduce the Sequential Correction Algorithm for Learning Efficient PINN (Scale-PINN), a learning strategy that bridges modern physics-informed learning with numerical algorithms. Scale-PINN incorporates the iterative residual-correction principle, a cornerstone of numerical solvers, directly into the loss formulation, marking a paradigm shift in how PINN losses can be conceived and constructed. This integration enables Scale-PINN to achieve unprecedented convergence speed across PDE problems from different physics domain, including reducing training time on a challenging fluid-dynamics problem for state-of-the-art PINN from hours to sub-2 minutes while maintaining superior accuracy, and enabling application to representative problems in aerodynamics and urban science. By uniting the rigor of numerical methods with the flexibility of deep learning, Scale-PINN marks a significant leap toward the practical adoption of PINNs in science and engineering through scalable, physics-informed learning. Codes are available at https://github.com/chiuph/SCALE-PINN.

arXiv:2510.16658v2 Announce Type: replace Abstract: The development of large-scale artificial intelligence (AI) models is influencing neuroscience research by enabling end-to-end learning from raw brain signals and neural data. In this paper, we review applications of large-scale AI models across five major neuroscience domains: neuroimaging and data processing, brain-computer interfaces and neural decoding, clinical decision support and translational frameworks, and disease-specific applications across neurological and psychiatric disorders. These models show potential to address major computational neuroscience challenges, including multimodal neural data integration, spatiotemporal pattern interpretation, and the development of translational frameworks for clinical research. Moreover, the interaction between neuroscience and AI has become increasingly reciprocal, as biologically informed architectural constraints are now incorporated to develop more interpretable and computationally efficient models. This review highlights both the promise of such technologies and critical implementation considerations, with particular emphasis on rigorous evaluation frameworks, effective integration of domain knowledge, prospective clinical validation, and comprehensive ethical guidelines. Finally, a systematic listing of critical neuroscience datasets used to develop and evaluate large-scale AI models across diverse research applications is provided.

arXiv:2410.19412v3 Announce Type: replace-cross Abstract: Agent-Based Model (ABM) validation is crucial as it helps ensuring the reliability of simulations, and causal discovery has become a powerful tool in this context. However, current causal discovery methods often face accuracy and robustness challenges when applied to complex and noisy time series data, which is typical in ABM scenarios. This study addresses these issues by proposing a Robust Cross-Validation (RCV) approach to enhance causal structure learning for ABM validation. We develop RCV-VarLiNGAM and RCV-PCMCI, novel extensions of two prominent causal discovery algorithms. These aim to reduce the impact of noise better and give more reliable causal relation results, even with high-dimensional, time-dependent data. The proposed approach is then integrated into an enhanced ABM validation framework, which is designed to handle diverse data and model structures. The approach is evaluated using synthetic datasets and a complex simulated fMRI dataset. The results demonstrate greater reliability in causal structure identification. The study examines how various characteristics of datasets affect the performance of established causal discovery methods. These characteristics include linearity, noise distribution, stationarity, and causal structure density. This analysis is then extended to the RCV method to see how it compares in these different situations. This examination helps confirm whether the results are consistent with existing literature and also reveals the strengths and weaknesses of the novel approaches. By tackling key methodological challenges, the study aims to enhance ABM validation with a more resilient valuation framework presented. These improvements increase the reliability of model-driven decision making processes in complex systems analysis.

arXiv:2506.08604v4 Announce Type: replace-cross Abstract: Physics-constrained generative modeling aims to produce high-dimensional samples that are both physically consistent and distributionally accurate, a task that remains challenging due to often conflicting optimization objectives. Recent advances in flow matching and diffusion models have enabled efficient generative modeling, but integrating physical constraints often degrades generative fidelity or requires costly inference-time corrections. Our work is the first to recognize the trade-off between distributional and physical accuracy. Based on the insight of inherently conflicting objectives, we introduce Physics-Based Flow Matching (PBFM) a method that enforces physical constraints at training time using conflict-free gradient updates and unrolling to mitigate Jensen's gap. Our approach avoids manual loss balancing and enables simultaneous optimization of generative and physical objectives. As a consequence, physics constraints do not impede inference performance. We benchmark our method across three representative PDE benchmarks. PBFM achieves a Pareto-optimal trade-off, competitive inference speed, and generalizes to a wide range of physics-constrained generative tasks, providing a practical tool for scientific machine learning. Code and datasets available at https://github.com/tum-pbs/PBFM.

arXiv:2602.13033v2 Announce Type: replace-cross Abstract: Large Language Models (LLMs) represent a new frontier of digital infrastructure that can support a wide range of public-sector applications, from general purpose citizen services to specialized and sensitive state functions. When expanding AI access, governments face a set of strategic choices over whether to buy existing services, build domestic capabilities, or adopt hybrid approaches across different domains and use cases. These are critical decisions especially when leading model providers are often foreign corporations, and LLM outputs are increasingly treated as trusted inputs to public decision-making and public discourse. In practice, these decisions are not intended to mandate a single approach across all domains; instead, national AI strategies are typically pluralistic, with sovereign, commercial and open-source models coexisting to serve different purposes. Governments may rely on commercial models for non-sensitive or commodity tasks, while pursuing greater control for critical, high-risk or strategically important applications. This paper provides a strategic framework for making this decision by evaluating these options across dimensions including sovereignty, safety, cost, resource capability, cultural fit, and sustainability. Importantly, "building" does not imply that governments must act alone: domestic capabilities may be developed through public research institutions, universities, state-owned enterprises, joint ventures, or broader national ecosystems. By detailing the technical requirements and practical challenges of each pathway, this work aims to serve as a reference for policy-makers to determine whether a buy or build approach best aligns with their specific national needs and societal goals.

arXiv:2602.14606v1 Announce Type: cross Abstract: Autonomous agentic systems are increasingly deployed in regulated, high-stakes domains where decisions may be irreversible and institutionally constrained. Existing safety approaches emphasize alignment, interpretability, or action-level filtering. We argue that these mechanisms are necessary but insufficient because they do not directly govern selection power: the authority to determine which options are generated, surfaced, and framed for decision. We propose a governance architecture that separates cognition, selection, and action into distinct domains and models autonomy as a vector of sovereignty. Cognitive autonomy remains unconstrained, while selection and action autonomy are bounded through mechanically enforced primitives operating outside the agent's optimization space. The architecture integrates external candidate generation (CEFL), a governed reducer, commit-reveal entropy isolation, rationale validation, and fail-loud circuit breakers. We evaluate the system across multiple regulated financial scenarios under adversarial stress targeting variance manipulation, threshold gaming, framing skew, ordering effects, and entropy probing. Metrics quantify selection concentration, narrative diversity, governance activation cost, and failure visibility. Results show that mechanical selection governance is implementable, auditable, and prevents deterministic outcome capture while preserving reasoning capacity. Although probabilistic concentration remains, the architecture measurably bounds selection authority relative to conventional scalar pipelines. This work reframes governance as bounded causal power rather than internal intent alignment, offering a foundation for deploying autonomous agents where silent failure is unacceptable.