Large Language Models (LLMs) are increasingly employed in high-stakes decision-making tasks, such as loan approvals. While their applications expand across domains, LLMs struggle to process tabular data, ensuring fairness and delivering reliable predictions. In this work, we assess the performance and fairness of LLMs on serialized loan approval datasets from three geographically distinct regions: Ghana, Germany, and the United States. Our evaluation focuses on the model’s zero-shot and in-context learning (ICL) capabilities. Our results reveal that the choice of serialization format significantly affects both performance and fairness in LLMs, with certain formats such as GReaT and LIFT yielding higher F1 scores but exacerbating fairness disparities. Notably, while ICL improved model performance by 4.9-59.6% relative to zero-shot baselines, its effect on fairness varied considerably across datasets. Our work underscores the importance of effective tabular data representation methods and fairness-aware models to improve the reliability of LLMs in financial decision-making.

Africa has a very poor doctor-to-patient ratio. At very busy clinics, doctors could see 30+ patients per day—a heavy patient burden compared with developed countries—but productivity tools such as clinical automatic speech recognition (ASR) are lacking for these overworked clinicians. However, clinical ASR is mature, even ubiquitous, in developed nations, and clinician-reported performance of commercial clinical ASR systems is generally satisfactory. Furthermore, the recent performance of general domain ASR is approaching human accuracy. However, several gaps exist. Several publications have highlighted racial bias with speech-to-text algorithms and performance on minority accents lags significantly. To our knowledge, there is no publicly available research or benchmark on accented African clinical ASR, and speech data is non-existent for the majority of African accents. We release AfriSpeech, 200hrs of Pan-African English speech, 67,577 clips from 2,463 unique speakers across 120 indigenous accents from 13 countries for clinical and general domain ASR, a benchmark test set, with publicly available pre-trained models with SOTA performance on the AfriSpeech benchmark.