Recent industrial credit scoring models remain heavily reliant on manually tuned statistical learning methods. Despite their potential, deep learning architectures have struggled to consistently outperform traditional statistical models in industrial credit scoring, largely due to the complexity of heterogeneous financial data and the challenge of modeling evolving creditworthiness. To bridge this gap, we introduce FinLangNet, a novel framework that reformulates credit scoring as a multi-scale sequential learning problem. FinLangNet processes heterogeneous financial data through a dual-module architecture that combines tabular feature extraction with temporal sequence modeling, generating probability distributions of users’ future financial behaviors across multiple time horizons. A key innovation is our dual-prompt mechanism within the sequential module, which introduces learnable prompts operating at both feature-level granularity for capturing fine-grained temporal patterns and user-level granularity for aggregating holistic risk profiles. Notably, real world deployment yielded a 6.3 pp improvement in KS, along with a 9.9% reduction in bad debt rate.

Large language models (LLMs) have revolutionized natural language processing (NLP) tasks, yet their increasing size poses substantial challenges in terms of computational and memory resources. Block floating-point (BFP) arithmetic offers an effective solution by leveraging the strengths of both floating-point and fixed-point representations, leading to reductions in both storage and computational overhead. However, current low-bit BFP quantization approaches often struggle to handle extreme outliers, leading to significant accuracy degradation. To overcome this limitation, we introduce Extendable Exponent Sharing (EES), a novel BFP representation that extends the exponent bit width to capture a wider dynamic range. EES achieves this by embedding extendable exponent bits into the least significant mantissa bits, thereby increasing the shared exponent’s bit width without incurring additional storage costs. To optimize the trade-off between accuracy and energy efficiency, EES employs a design space exploration strategy to optimize the configuration of extendable exponent bit widths. Experimental results show that EES outperforms representative baselines in both accuracy and computational efficiency.

Knowledge-enhanced pre-trained language models (KEPLMs) leverage relation triples from knowledge graphs (KGs) and integrate these external data sources into language models via self-supervised learning. Previous works treat knowledge enhancement as two independent operations, i.e., knowledge injection and knowledge integration. In this paper, we propose to learn Knowledge-Enhanced language representations with Hierarchical Reinforcement Learning (KEHRL), which jointly addresses the problems of detecting positions for knowledge injection and integrating external knowledge into the model in order to avoid injecting inaccurate or irrelevant knowledge. Specifically, a high-level reinforcement learning (RL) agent utilizes both internal and prior knowledge to iteratively detect essential positions in texts for knowledge injection, which filters out less meaningful entities to avoid diverting the knowledge learning direction. Once the entity positions are selected, a relevant triple filtration module is triggered to perform low-level RL to dynamically refine the triples associated with polysemic entities through binary-valued actions. Experiments validate KEHRL’s effectiveness in probing factual knowledge and enhancing the model’s performance on various natural language understanding tasks.

Cross-lingual representation learning transfers knowledge from resource-rich data to resource-scarce ones to improve the semantic understanding abilities of different languages. However, previous works rely on shallow unsupervised data generated by token surface matching, regardless of the global context-aware semantics of the surrounding text tokens. In this paper, we propose an Unsupervised Pseudo Semantic Data Augmentation (UniPSDA) mechanism for cross-lingual natural language understanding to enrich the training data without human interventions. Specifically, to retrieve the tokens with similar meanings for the semantic data augmentation across different languages, we propose a sequential clustering process in 3 stages: within a single language, across multiple languages of a language family, and across languages from multiple language families. Meanwhile, considering the multi-lingual knowledge infusion with context-aware semantics while alleviating computation burden, we directly replace the key constituents of the sentences with the above-learned multi-lingual family knowledge, viewed as pseudo-semantic. The infusion process is further optimized via three de-biasing techniques without introducing any neural parameters. Extensive experiments demonstrate that our model consistently improves the performance on general zero-shot cross-lingual natural language understanding tasks, including sequence classification, information extraction, and question answering.

Retrieval augmented generation (RAG) exhibits outstanding performance in promoting the knowledge capabilities of large language models (LLMs) with retrieved documents related to user queries. However, RAG only focuses on improving the response quality of LLMs via enhancing queries indiscriminately with retrieved information, paying little attention to what type of knowledge LLMs really need to answer original queries more accurately. In this paper, we suggest that long-tail knowledge is crucial for RAG as LLMs have already remembered common world knowledge during large-scale pre-training. Based on our observation, we propose a simple but effective long-tail knowledge detection method for LLMs. Specifically, the novel Generative Expected Calibration Error (GECE) metric is derived to measure the “long-tailness” of knowledge based on both statistics and semantics. Hence, we retrieve relevant documents and infuse them into the model for patching knowledge loopholes only when the input query relates to long-tail knowledge. Experiments show that, compared to existing RAG pipelines, our method achieves over 4x speedup in average inference time and consistent performance improvement in downstream tasks.