Daily Papers

The emergence of Large Multimodal Models (LMMs) marks a significant milestone in the development of artificial intelligence. Insurance, as a vast and complex discipline, involves a wide variety of data forms in its operational processes, including text, images, and videos, thereby giving rise to diverse multimodal tasks. Despite this, there has been limited systematic exploration of multimodal tasks specific to insurance, nor a thorough investigation into how LMMs can address these challenges. In this paper, we explore GPT-4V's capabilities in the insurance domain. We categorize multimodal tasks by focusing primarily on visual aspects based on types of insurance (e.g., auto, household/commercial property, health, and agricultural insurance) and insurance stages (e.g., risk assessment, risk monitoring, and claims processing). Our experiment reveals that GPT-4V exhibits remarkable abilities in insurance-related tasks, demonstrating not only a robust understanding of multimodal content in the insurance domain but also a comprehensive knowledge of insurance scenarios. However, there are notable shortcomings: GPT-4V struggles with detailed risk rating and loss assessment, suffers from hallucination in image understanding, and shows variable support for different languages. Through this work, we aim to bridge the insurance domain with cutting-edge LMM technology, facilitate interdisciplinary exchange and development, and provide a foundation for the continued advancement and evolution of future research endeavors.

This paper presents RISC, an open-source Python package data generator (https://github.com/GRAAL-Research/risc). RISC generates look-alike automobile insurance contracts based on the Quebec regulatory insurance form in French and English. Insurance contracts are 90 to 100 pages long and use complex legal and insurance-specific vocabulary for a layperson. Hence, they are a much more complex class of documents than those in traditional NLP corpora. Therefore, we introduce RISCBAC, a Realistic Insurance Synthetic Bilingual Automobile Contract dataset based on the mandatory Quebec car insurance contract. The dataset comprises 10,000 French and English unannotated insurance contracts. RISCBAC enables NLP research for unsupervised automatic summarisation, question answering, text simplification, machine translation and more. Moreover, it can be further automatically annotated as a dataset for supervised tasks such as NER

Of late, insurance fraud detection has assumed immense significance owing to the huge financial & reputational losses fraud entails and the phenomenal success of the fraud detection techniques. Insurance is majorly divided into two categories: (i) Life and (ii) Non-life. Non-life insurance in turn includes health insurance and auto insurance among other things. In either of the categories, the fraud detection techniques should be designed in such a way that they capture as many fraudulent transactions as possible. Owing to the rarity of fraudulent transactions, in this paper, we propose a chaotic variational autoencoder (C-VAE to perform one-class classification (OCC) on genuine transactions. Here, we employed the logistic chaotic map to generate random noise in the latent space. The effectiveness of C-VAE is demonstrated on the health insurance fraud and auto insurance datasets. We considered vanilla Variational Auto Encoder (VAE) as the baseline. It is observed that C-VAE outperformed VAE in both datasets. C-VAE achieved a classification rate of 77.9% and 87.25% in health and automobile insurance datasets respectively. Further, the t-test conducted at 1% level of significance and 18 degrees of freedom infers that C-VAE is statistically significant than the VAE.

Causal Inference plays an significant role in explaining the decisions taken by statistical models and artificial intelligence models. Of late, this field started attracting the attention of researchers and practitioners alike. This paper presents a comprehensive survey of 37 papers published during 1992-2023 and concerning the application of causal inference to banking, finance, and insurance. The papers are categorized according to the following families of domains: (i) Banking, (ii) Finance and its subdomains such as corporate finance, governance finance including financial risk and financial policy, financial economics, and Behavioral finance, and (iii) Insurance. Further, the paper covers the primary ingredients of causal inference namely, statistical methods such as Bayesian Causal Network, Granger Causality and jargon used thereof such as counterfactuals. The review also recommends some important directions for future research. In conclusion, we observed that the application of causal inference in the banking and insurance sectors is still in its infancy, and thus more research is possible to turn it into a viable method.

Generic pre-trained neural networks may struggle to produce good results in specialized domains like finance and insurance. This is due to a domain mismatch between training data and downstream tasks, as in-domain data are often scarce due to privacy constraints. In this work, we compare different pre-training strategies for LayoutLM. We show that using domain-relevant documents improves results on a named-entity recognition (NER) problem using a novel dataset of anonymized insurance-related financial documents called Payslips. Moreover, we show that we can achieve competitive results using a smaller and faster model.

Large Vision-Language Models (LVLMs) have demonstrated outstanding performance in various general multimodal applications such as image recognition and visual reasoning, and have also shown promising potential in specialized domains. However, the application potential of LVLMs in the insurance domain-characterized by rich application scenarios and abundant multimodal data-has not been effectively explored. There is no systematic review of multimodal tasks in the insurance domain, nor a benchmark specifically designed to evaluate the capabilities of LVLMs in insurance. This gap hinders the development of LVLMs within the insurance domain. In this paper, we systematically review and distill multimodal tasks for four representative types of insurance: auto insurance, property insurance, health insurance, and agricultural insurance. We propose INS-MMBench, the first comprehensive LVLMs benchmark tailored for the insurance domain. INS-MMBench comprises a total of 2.2K thoroughly designed multiple-choice questions, covering 12 meta-tasks and 22 fundamental tasks. Furthermore, we evaluate multiple representative LVLMs, including closed-source models such as GPT-4o and open-source models like BLIP-2. This evaluation not only validates the effectiveness of our benchmark but also provides an in-depth performance analysis of current LVLMs on various multimodal tasks in the insurance domain. We hope that INS-MMBench will facilitate the further application of LVLMs in the insurance domain and inspire interdisciplinary development. Our dataset and evaluation code are available at https://github.com/FDU-INS/INS-MMBench.

We present SLICK, a novel framework for precise and robust car damage segmentation that leverages structural priors and domain knowledge to tackle real-world automotive inspection challenges. SLICK introduces five key components: (1) Selective Part Segmentation using a high-resolution semantic backbone guided by structural priors to achieve surgical accuracy in segmenting vehicle parts even under occlusion, deformation, or paint loss; (2) Localization-Aware Attention blocks that dynamically focus on damaged regions, enhancing fine-grained damage detection in cluttered and complex street scenes; (3) an Instance-Sensitive Refinement head that leverages panoptic cues and shape priors to disentangle overlapping or adjacent parts, enabling precise boundary alignment; (4) Cross-Channel Calibration through multi-scale channel attention that amplifies subtle damage signals such as scratches and dents while suppressing noise like reflections and decals; and (5) a Knowledge Fusion Module that integrates synthetic crash data, part geometry, and real-world insurance datasets to improve generalization and handle rare cases effectively. Experiments on large-scale automotive datasets demonstrate SLICK's superior segmentation performance, robustness, and practical applicability for insurance and automotive inspection workflows.

Large language models (LLMs) have significantly advanced the field of natural language processing, with GPT models at the forefront. While their remarkable performance spans a range of tasks, adapting LLMs for real-world business scenarios still poses challenges warranting further investigation. This paper presents an empirical analysis aimed at bridging the gap in adapting LLMs to practical use cases. To do that, we select the question answering (QA) task of insurance as a case study due to its challenge of reasoning. Based on the task we design a new model relied on LLMs which are empowered by additional knowledge extracted from insurance policy rulebooks and DBpedia. The additional knowledge helps LLMs to understand new concepts of insurance for domain adaptation. Preliminary results on two QA datasets show that knowledge enhancement significantly improves the reasoning ability of GPT-3.5 (55.80% and 57.83% in terms of accuracy). The analysis also indicates that existing public knowledge bases, e.g., DBPedia is beneficial for knowledge enhancement. Our findings reveal that the inherent complexity of business scenarios often necessitates the incorporation of domain-specific knowledge and external resources for effective problem-solving.

The digitization of healthcare has facilitated the sharing and re-using of medical data but has also raised concerns about confidentiality and privacy. HIPAA (Health Insurance Portability and Accountability Act) mandates removing re-identifying information before the dissemination of medical records. Thus, effective and efficient solutions for de-identifying medical data, especially those in free-text forms, are highly needed. While various computer-assisted de-identification methods, including both rule-based and learning-based, have been developed and used in prior practice, such solutions still lack generalizability or need to be fine-tuned according to different scenarios, significantly imposing restrictions in wider use. The advancement of large language models (LLM), such as ChatGPT and GPT-4, have shown great potential in processing text data in the medical domain with zero-shot in-context learning, especially in the task of privacy protection, as these models can identify confidential information by their powerful named entity recognition (NER) capability. In this work, we developed a novel GPT4-enabled de-identification framework (``DeID-GPT") to automatically identify and remove the identifying information. Compared to existing commonly used medical text data de-identification methods, our developed DeID-GPT showed the highest accuracy and remarkable reliability in masking private information from the unstructured medical text while preserving the original structure and meaning of the text. This study is one of the earliest to utilize ChatGPT and GPT-4 for medical text data processing and de-identification, which provides insights for further research and solution development on the use of LLMs such as ChatGPT/GPT-4 in healthcare. Codes and benchmarking data information are available at https://github.com/yhydhx/ChatGPT-API.

The importance of mobile application (app) quality insurance is increasing with the rapid development of the mobile Internet. Automated test generation approaches, as a dominant direction of app quality insurance, follow specific models or strategies, targeting at optimizing the code coverage. Such approaches lead to a huge gap between testing execution and app business logic. Test scripts developed by human testers consider business logic by focusing on testing scenarios. Due to the GUI-intensive feature of mobile apps, human testers always understand app GUI to organize test scripts for scenarios. This inspires us to utilize domain knowledge from app GUI understanding for scenario-based test generation. In this paper, we propose a novel approach, ScenTest, for scenario-based mobile app testing with event knowledge graph (EKG) via GUI image understanding. ScenTest tries to start automated testing by imitating human practices and integrating domain knowledge into scenario-based mobile app testing, realizing fully automated testing on target testing scenarios for the first time. ScenTest extracts four kinds of entities and five kinds of corresponding relationships from crowdsourced test reports, where the test events and app GUI information are presented, and constructs the EKGs for specific scenarios. Then, ScenTest conducts test generation for specific scenarios on different apps with the guidance of EKG with the combination consideration of app current state and testing context. We conduct an evaluation on ScenTest on different aspects. The results show that the test generation of ScenTest on the basis of EKG is effective, and ScenTest can reveal 80+ distinct real-world bugs in specific scenarios compared with representative baselines.

Digital healthcare infrastructure is crucial for global medical service delivery. Egypt faces EHR adoption barriers: only 314 hospitals had such systems as of Oct 2024. This limits data management and decision-making. This project introduces an EHR system for Egypt's Universal Health Insurance and healthcare ecosystem. It simplifies data management by centralizing medical histories with a scalable micro-services architecture and polyglot persistence for real-time access and provider communication. Clinical workflows are enhanced via patient examination and history tracking. The system uses the Llama3-OpenBioLLM-70B model to generate summaries of medical histories, provide chatbot features, and generate AI-based medical reports, enabling efficient searches during consultations. A Vision Transformer (ViT) aids in pneumonia classification. Evaluations show the AI excels in capturing details (high recall) but needs improvement in concise narratives. With optimization (retrieval-augmented generation, local data fine-tuning, interoperability protocols), this AI-driven EHR could enhance diagnostic support, decision-making, and healthcare delivery in Egypt.

This paper argues that market governance mechanisms should be considered a key approach in the governance of artificial intelligence (AI), alongside traditional regulatory frameworks. While current governance approaches have predominantly focused on regulation, we contend that market-based mechanisms offer effective incentives for responsible AI development. We examine four emerging vectors of market governance: insurance, auditing, procurement, and due diligence, demonstrating how these mechanisms can affirm the relationship between AI risk and financial risk while addressing capital allocation inefficiencies. While we do not claim that market forces alone can adequately protect societal interests, we maintain that standardised AI disclosures and market mechanisms can create powerful incentives for safe and responsible AI development. This paper urges regulators, economists, and machine learning researchers to investigate and implement market-based approaches to AI governance.

Evaluating car damages from misfortune is critical to the car insurance industry. However, the accuracy is still insufficient for real-world applications since the deep learning network is not designed for car damage images as inputs, and its segmented masks are still very coarse. This paper presents MARS (Mask Attention Refinement with Sequential quadtree nodes) for car damage instance segmentation. Our MARS represents self-attention mechanisms to draw global dependencies between the sequential quadtree nodes layer and quadtree transformer to recalibrate channel weights and predict highly accurate instance masks. Our extensive experiments demonstrate that MARS outperforms state-of-the-art (SOTA) instance segmentation methods on three popular benchmarks such as Mask R-CNN [9], PointRend [13], and Mask Transfiner [12], by a large margin of +1.3 maskAP-based R50-FPN backbone and +2.3 maskAP-based R101-FPN backbone on Thai car-damage dataset. Our demos are available at https://github.com/kaopanboonyuen/MARS.

Most work in machine reading focuses on question answering problems where the answer is directly expressed in the text to read. However, many real-world question answering problems require the reading of text not because it contains the literal answer, but because it contains a recipe to derive an answer together with the reader's background knowledge. One example is the task of interpreting regulations to answer "Can I...?" or "Do I have to...?" questions such as "I am working in Canada. Do I have to carry on paying UK National Insurance?" after reading a UK government website about this topic. This task requires both the interpretation of rules and the application of background knowledge. It is further complicated due to the fact that, in practice, most questions are underspecified, and a human assistant will regularly have to ask clarification questions such as "How long have you been working abroad?" when the answer cannot be directly derived from the question and text. In this paper, we formalise this task and develop a crowd-sourcing strategy to collect 32k task instances based on real-world rules and crowd-generated questions and scenarios. We analyse the challenges of this task and assess its difficulty by evaluating the performance of rule-based and machine-learning baselines. We observe promising results when no background knowledge is necessary, and substantial room for improvement whenever background knowledge is needed.

Objective: Patient notes in electronic health records (EHRs) may contain critical information for medical investigations. However, the vast majority of medical investigators can only access de-identified notes, in order to protect the confidentiality of patients. In the United States, the Health Insurance Portability and Accountability Act (HIPAA) defines 18 types of protected health information (PHI) that needs to be removed to de-identify patient notes. Manual de-identification is impractical given the size of EHR databases, the limited number of researchers with access to the non-de-identified notes, and the frequent mistakes of human annotators. A reliable automated de-identification system would consequently be of high value. Materials and Methods: We introduce the first de-identification system based on artificial neural networks (ANNs), which requires no handcrafted features or rules, unlike existing systems. We compare the performance of the system with state-of-the-art systems on two datasets: the i2b2 2014 de-identification challenge dataset, which is the largest publicly available de-identification dataset, and the MIMIC de-identification dataset, which we assembled and is twice as large as the i2b2 2014 dataset. Results: Our ANN model outperforms the state-of-the-art systems. It yields an F1-score of 97.85 on the i2b2 2014 dataset, with a recall 97.38 and a precision of 97.32, and an F1-score of 99.23 on the MIMIC de-identification dataset, with a recall 99.25 and a precision of 99.06. Conclusion: Our findings support the use of ANNs for de-identification of patient notes, as they show better performance than previously published systems while requiring no feature engineering.

Ensuring equitable treatment (fairness) across protected attributes (such as gender or ethnicity) is a critical issue in machine learning. Most existing literature focuses on binary classification, but achieving fairness in regression tasks-such as insurance pricing or hiring score assessments-is equally important. Moreover, anti-discrimination laws also apply to continuous attributes, such as age, for which many existing methods are not applicable. In practice, multiple protected attributes can exist simultaneously; however, methods targeting fairness across several attributes often overlook so-called "fairness gerrymandering", thereby ignoring disparities among intersectional subgroups (e.g., African-American women or Hispanic men). In this paper, we propose a distance covariance regularisation framework that mitigates the association between model predictions and protected attributes, in line with the fairness definition of demographic parity, and that captures both linear and nonlinear dependencies. To enhance applicability in the presence of multiple protected attributes, we extend our framework by incorporating two multivariate dependence measures based on distance covariance: the previously proposed joint distance covariance (JdCov) and our novel concatenated distance covariance (CCdCov), which effectively address fairness gerrymandering in both regression and classification tasks involving protected attributes of various types. We discuss and illustrate how to calibrate regularisation strength, including a method based on Jensen-Shannon divergence, which quantifies dissimilarities in prediction distributions across groups. We apply our framework to the COMPAS recidivism dataset and a large motor insurance claims dataset.

This paper studies the properties of the Multiply Iterated Poisson Process (MIPP), a stochastic process constructed by repeatedly time-changing a Poisson process, and its applications in ruin theory. Like standard Poisson processes, MIPPs have exponentially distributed sojourn times (waiting times between jumps). We explicitly derive the probabilities of all possible jump sizes at the first jump and obtain the Laplace transform of the joint distribution of the first jump time and its corresponding jump size. In ruin theory, the classical Cramér-Lundberg model assumes that claims arrive independently according to a Poisson process. In contrast, our model employs an MIPP to allow for clustered arrivals, reflecting real-world scenarios, such as catastrophic events. Under this new framework, we derive the corresponding scale function in closed form, facilitating accurate calculations of the probability of ruin in the presence of clustered claims. These results improve the modeling of extreme risks and have practical implications for insurance solvency assessments, reinsurance pricing, and capital reserve estimation.

Bias in Large Language Models (LLMs) significantly undermines their reliability and fairness. We focus on a common form of bias: when two reference concepts in the model's concept space, such as sentiment polarities (e.g., "positive" and "negative"), are asymmetrically correlated with a third, target concept, such as a reviewing aspect, the model exhibits unintended bias. For instance, the understanding of "food" should not skew toward any particular sentiment. Existing bias evaluation methods assess behavioral differences of LLMs by constructing labeled data for different social groups and measuring model responses across them, a process that requires substantial human effort and captures only a limited set of social concepts. To overcome these limitations, we propose BiasLens, a test-set-free bias analysis framework based on the structure of the model's vector space. BiasLens combines Concept Activation Vectors (CAVs) with Sparse Autoencoders (SAEs) to extract interpretable concept representations, and quantifies bias by measuring the variation in representational similarity between the target concept and each of the reference concepts. Even without labeled data, BiasLens shows strong agreement with traditional bias evaluation metrics (Spearman correlation r > 0.85). Moreover, BiasLens reveals forms of bias that are difficult to detect using existing methods. For example, in simulated clinical scenarios, a patient's insurance status can cause the LLM to produce biased diagnostic assessments. Overall, BiasLens offers a scalable, interpretable, and efficient paradigm for bias discovery, paving the way for improving fairness and transparency in LLMs.

Enterprise applications of Large Language Models (LLMs) hold promise for question answering on enterprise SQL databases. However, the extent to which LLMs can accurately respond to enterprise questions in such databases remains unclear, given the absence of suitable Text-to-SQL benchmarks tailored to enterprise settings. Additionally, the potential of Knowledge Graphs (KGs) to enhance LLM-based question answering by providing business context is not well understood. This study aims to evaluate the accuracy of LLM-powered question answering systems in the context of enterprise questions and SQL databases, while also exploring the role of knowledge graphs in improving accuracy. To achieve this, we introduce a benchmark comprising an enterprise SQL schema in the insurance domain, a range of enterprise queries encompassing reporting to metrics, and a contextual layer incorporating an ontology and mappings that define a knowledge graph. Our primary finding reveals that question answering using GPT-4, with zero-shot prompts directly on SQL databases, achieves an accuracy of 16%. Notably, this accuracy increases to 54% when questions are posed over a Knowledge Graph representation of the enterprise SQL database. Therefore, investing in Knowledge Graph provides higher accuracy for LLM powered question answering systems.

Numerous large language model (LLM) agents have been built for different tasks like web navigation and online shopping due to LLM's wide knowledge and text-understanding ability. Among these works, many of them utilize in-context examples to achieve generalization without the need for fine-tuning, while few of them have considered the problem of how to select and effectively utilize these examples. Recently, methods based on trajectory-level retrieval with task meta-data and using trajectories as in-context examples have been proposed to improve the agent's overall performance in some sequential decision making tasks. However, these methods can be problematic due to plausible examples retrieved without task-specific state transition dynamics and long input with plenty of irrelevant context. In this paper, we propose a novel framework (TRAD) to address these issues. TRAD first conducts Thought Retrieval, achieving step-level demonstration selection via thought matching, leading to more helpful demonstrations and less irrelevant input noise. Then, TRAD introduces Aligned Decision, complementing retrieved demonstration steps with their previous or subsequent steps, which enables tolerance for imperfect thought and provides a choice for balance between more context and less noise. Extensive experiments on ALFWorld and Mind2Web benchmarks show that TRAD not only outperforms state-of-the-art models but also effectively helps in reducing noise and promoting generalization. Furthermore, TRAD has been deployed in real-world scenarios of a global business insurance company and improves the success rate of robotic process automation.

Advances in large language models (LLMs) provide new opportunities in healthcare for improved patient care, clinical decision-making, and enhancement of physician and administrator workflows. However, the potential of these models importantly depends on their ability to generalize effectively across clinical environments and populations, a challenge often underestimated in early development. To better understand reasons for these challenges and inform mitigation approaches, we evaluated ClinicLLM, an LLM trained on [HOSPITAL]'s clinical notes, analyzing its performance on 30-day all-cause readmission prediction focusing on variability across hospitals and patient characteristics. We found poorer generalization particularly in hospitals with fewer samples, among patients with government and unspecified insurance, the elderly, and those with high comorbidities. To understand reasons for lack of generalization, we investigated sample sizes for fine-tuning, note content (number of words per note), patient characteristics (comorbidity level, age, insurance type, borough), and health system aspects (hospital, all-cause 30-day readmission, and mortality rates). We used descriptive statistics and supervised classification to identify features. We found that, along with sample size, patient age, number of comorbidities, and the number of words in notes are all important factors related to generalization. Finally, we compared local fine-tuning (hospital specific), instance-based augmented fine-tuning and cluster-based fine-tuning for improving generalization. Among these, local fine-tuning proved most effective, increasing AUC by 0.25% to 11.74% (most helpful in settings with limited data). Overall, this study provides new insights for enhancing the deployment of large language models in the societally important domain of healthcare, and improving their performance for broader populations.

This study explores the potential of utilizing administrative claims data, combined with advanced machine learning and deep learning techniques, to predict the progression of Chronic Kidney Disease (CKD) to End-Stage Renal Disease (ESRD). We analyze a comprehensive, 10-year dataset provided by a major health insurance organization to develop prediction models for multiple observation windows using traditional machine learning methods such as Random Forest and XGBoost as well as deep learning approaches such as Long Short-Term Memory (LSTM) networks. Our findings demonstrate that the LSTM model, particularly with a 24-month observation window, exhibits superior performance in predicting ESRD progression, outperforming existing models in the literature. We further apply SHapley Additive exPlanations (SHAP) analysis to enhance interpretability, providing insights into the impact of individual features on predictions at the individual patient level. This study underscores the value of leveraging administrative claims data for CKD management and predicting ESRD progression.

The eighth AI City Challenge highlighted the convergence of computer vision and artificial intelligence in areas like retail, warehouse settings, and Intelligent Traffic Systems (ITS), presenting significant research opportunities. The 2024 edition featured five tracks, attracting unprecedented interest from 726 teams in 47 countries and regions. Track 1 dealt with multi-target multi-camera (MTMC) people tracking, highlighting significant enhancements in camera count, character number, 3D annotation, and camera matrices, alongside new rules for 3D tracking and online tracking algorithm encouragement. Track 2 introduced dense video captioning for traffic safety, focusing on pedestrian accidents using multi-camera feeds to improve insights for insurance and prevention. Track 3 required teams to classify driver actions in a naturalistic driving analysis. Track 4 explored fish-eye camera analytics using the FishEye8K dataset. Track 5 focused on motorcycle helmet rule violation detection. The challenge utilized two leaderboards to showcase methods, with participants setting new benchmarks, some surpassing existing state-of-the-art achievements.

This paper uses the MIMIC-IV dataset to examine the fairness and bias in an XGBoost binary classification model predicting the Intensive Care Unit (ICU) length of stay (LOS). Highlighting the critical role of the ICU in managing critically ill patients, the study addresses the growing strain on ICU capacity. It emphasizes the significance of LOS prediction for resource allocation. The research reveals class imbalances in the dataset across demographic attributes and employs data preprocessing and feature extraction. While the XGBoost model performs well overall, disparities across race and insurance attributes reflect the need for tailored assessments and continuous monitoring. The paper concludes with recommendations for fairness-aware machine learning techniques for mitigating biases and the need for collaborative efforts among healthcare professionals and data scientists.

We present a self-supervised, time-to-event (TTE) foundation model called MOTOR (Many Outcome Time Oriented Representations) which is pretrained on timestamped sequences of events in electronic health records (EHR) and health insurance claims. TTE models are used for estimating the probability distribution of the time until a specific event occurs, which is an important task in medical settings. TTE models provide many advantages over classification using fixed time horizons, including naturally handling censored observations, but are challenging to train with limited labeled data. MOTOR addresses this challenge by pretraining on up to 55M patient records (9B clinical events). We evaluate MOTOR's transfer learning performance on 19 tasks, across 3 patient databases (a private EHR system, MIMIC-IV, and Merative claims data). Task-specific models adapted from MOTOR improve time-dependent C statistics by 4.6% over state-of-the-art, improve label efficiency by up to 95% ,and are more robust to temporal distributional shifts. We further evaluate cross-site portability by adapting our MOTOR foundation model for six prediction tasks on the MIMIC-IV dataset, where it outperforms all baselines. MOTOR is the first foundation model for medical TTE predictions and we release a 143M parameter pretrained model for research use at [redacted URL].

We present a new text-to-SQL dataset for electronic health records (EHRs). The utterances were collected from 222 hospital staff members, including physicians, nurses, and insurance review and health records teams. To construct the QA dataset on structured EHR data, we conducted a poll at a university hospital and used the responses to create seed questions. We then manually linked these questions to two open-source EHR databases, MIMIC-III and eICU, and included various time expressions and held-out unanswerable questions in the dataset, which were also collected from the poll. Our dataset poses a unique set of challenges: the model needs to 1) generate SQL queries that reflect a wide range of needs in the hospital, including simple retrieval and complex operations such as calculating survival rate, 2) understand various time expressions to answer time-sensitive questions in healthcare, and 3) distinguish whether a given question is answerable or unanswerable. We believe our dataset, EHRSQL, can serve as a practical benchmark for developing and assessing QA models on structured EHR data and take a step further towards bridging the gap between text-to-SQL research and its real-life deployment in healthcare. EHRSQL is available at https://github.com/glee4810/EHRSQL.

The booming development of AI agents presents unprecedented opportunities for automating complex tasks across various domains. However, their multi-step, multi-tool collaboration capabilities in the financial sector remain underexplored. This paper introduces FinGAIA, an end-to-end benchmark designed to evaluate the practical abilities of AI agents in the financial domain. FinGAIA comprises 407 meticulously crafted tasks, spanning seven major financial sub-domains: securities, funds, banking, insurance, futures, trusts, and asset management. These tasks are organized into three hierarchical levels of scenario depth: basic business analysis, asset decision support, and strategic risk management. We evaluated 10 mainstream AI agents in a zero-shot setting. The best-performing agent, ChatGPT, achieved an overall accuracy of 48.9\%, which, while superior to non-professionals, still lags financial experts by over 35 percentage points. Error analysis has revealed five recurring failure patterns: Cross-modal Alignment Deficiency, Financial Terminological Bias, Operational Process Awareness Barrier, among others. These patterns point to crucial directions for future research. Our work provides the first agent benchmark closely related to the financial domain, aiming to objectively assess and promote the development of agents in this crucial field. Partial data is available at https://github.com/SUFE-AIFLM-Lab/FinGAIA.

Introduction: Electronic health records (EHR) are a critical medium through which patient stigmatization is perpetuated among healthcare teams. Methods: We identified linguistic features of doubt markers and stigmatizing labels in MIMIC-III EHR via expanded lexicon matching and supervised learning classifiers. Predictors of rates of linguistic features were assessed using Poisson regression models. Results: We found higher rates of stigmatizing labels per chart among patients who were Black or African American (RR: 1.16), patients with Medicare/Medicaid or government-run insurance (RR: 2.46), self-pay (RR: 2.12), and patients with a variety of stigmatizing disease and mental health conditions. Patterns among doubt markers were similar, though male patients had higher rates of doubt markers (RR: 1.25). We found increased stigmatizing labels used by nurses (RR: 1.40), and social workers (RR: 2.25), with similar patterns of doubt markers. Discussion: Stigmatizing language occurred at higher rates among historically stigmatized patients, perpetuated by multiple provider types.

Natural disasters are increasing in frequency and severity, causing hundreds of billions of dollars in damage annually and posing growing threats to infrastructure and human livelihoods. Accurate data on roofing materials is critical for modeling building vulnerability to natural hazards such as earthquakes, floods, wildfires, and hurricanes, yet such data remain unavailable. To address this gap, we introduce RoofNet, the largest and most geographically diverse novel multimodal dataset to date, comprising over 51,500 samples from 184 geographically diverse sites pairing high-resolution Earth Observation (EO) imagery with curated text annotations for global roof material classification. RoofNet includes geographically diverse satellite imagery labeled with 14 key roofing types -- such as asphalt shingles, clay tiles, and metal sheets -- and is designed to enhance the fidelity of global exposure datasets through vision-language modeling (VLM). We sample EO tiles from climatically and architecturally distinct regions to construct a representative dataset. A subset of 6,000 images was annotated in collaboration with domain experts to fine-tune a VLM. We used geographic- and material-aware prompt tuning to enhance class separability. The fine-tuned model was then applied to the remaining EO tiles, with predictions refined through rule-based and human-in-the-loop verification. In addition to material labels, RoofNet provides rich metadata including roof shape, footprint area, solar panel presence, and indicators of mixed roofing materials (e.g., HVAC systems). RoofNet supports scalable, AI-driven risk assessment and serves as a downstream benchmark for evaluating model generalization across regions -- offering actionable insights for insurance underwriting, disaster preparedness, and infrastructure policy planning.

Localizing target objects in images is an important task in computer vision. Often it is the first step towards solving a variety of applications in autonomous driving, maintenance, quality insurance, robotics, and augmented reality. Best in class solutions for this task rely on deep neural networks, which require a set of representative training data for best performance. Creating sets of sufficient quality, variety, and size is often difficult, error prone, and expensive. This is where the method of luminance keying can help: it provides a simple yet effective solution to record high quality data for training object detection and segmentation. We extend previous work that presented luminance keying on the common YCB-V set of household objects by recording the remaining objects of the YCB superset. The additional variety of objects - addition of transparency, multiple color variations, non-rigid objects - further demonstrates the usefulness of luminance keying and might be used to test the applicability of the approach on new 2D object detection and segmentation algorithms.

While knowledge evaluation in large language models has predominantly focused on academic subjects like math and physics, these assessments often fail to capture the practical demands of real-world professions. In this paper, we introduce IndoCareer, a dataset comprising 8,834 multiple-choice questions designed to evaluate performance in vocational and professional certification exams across various fields. With a focus on Indonesia, IndoCareer provides rich local contexts, spanning six key sectors: (1) healthcare, (2) insurance and finance, (3) creative and design, (4) tourism and hospitality, (5) education and training, and (6) law. Our comprehensive evaluation of 27 large language models shows that these models struggle particularly in fields with strong local contexts, such as insurance and finance. Additionally, while using the entire dataset, shuffling answer options generally maintains consistent evaluation results across models, but it introduces instability specifically in the insurance and finance sectors.

Identity document (ID) image analysis has become essential for many online services, like bank account opening or insurance subscription. In recent years, much research has been conducted on subjects like document localization, text recognition and fraud detection, to achieve a level of accuracy reliable enough to automatize identity verification. However, there are only a few available datasets to benchmark ID analysis methods, mainly because of privacy restrictions, security requirements and legal reasons. In this paper, we present the DocXPand-25k dataset, which consists of 24,994 richly labeled IDs images, generated using custom-made vectorial templates representing nine fictitious ID designs, including four identity cards, two residence permits and three passports designs. These synthetic IDs feature artificially generated personal information (names, dates, identifiers, faces, barcodes, ...), and present a rich diversity in the visual layouts and textual contents. We collected about 5.8k diverse backgrounds coming from real-world photos, scans and screenshots of IDs to guarantee the variety of the backgrounds. The software we wrote to generate these images has been published (https://github.com/QuickSign/docxpand/) under the terms of the MIT license, and our dataset has been published (https://github.com/QuickSign/docxpand/releases/tag/v1.0.0) under the terms of the CC-BY-NC-SA 4.0 License.

Even as pre-trained language models share a semantic encoder, natural language understanding suffers from a diversity of output schemas. In this paper, we propose UBERT, a unified bidirectional language understanding model based on BERT framework, which can universally model the training objects of different NLU tasks through a biaffine network. Specifically, UBERT encodes prior knowledge from various aspects, uniformly constructing learning representations across multiple NLU tasks, which is conducive to enhancing the ability to capture common semantic understanding. By using the biaffine to model scores pair of the start and end position of the original text, various classification and extraction structures can be converted into a universal, span-decoding approach. Experiments show that UBERT wins the first price in the 2022 AIWIN - World Artificial Intelligence Innovation Competition, Chinese insurance few-shot multi-task track, and realizes the unification of extensive information extraction and linguistic reasoning tasks.

Codification of free-text clinical narratives have long been recognised to be beneficial for secondary uses such as funding, insurance claim processing and research. The current scenario of assigning codes is a manual process which is very expensive, time-consuming and error prone. In recent years, many researchers have studied the use of Natural Language Processing (NLP), related Machine Learning (ML) and Deep Learning (DL) methods and techniques to resolve the problem of manual coding of clinical narratives and to assist human coders to assign clinical codes more accurately and efficiently. This systematic literature review provides a comprehensive overview of automated clinical coding systems that utilises appropriate NLP, ML and DL methods and techniques to assign ICD codes to discharge summaries. We have followed the Preferred Reporting Items for Systematic Reviews and Meta-Analyses(PRISMA) guidelines and conducted a comprehensive search of publications from January, 2010 to December 2020 in four academic databases- PubMed, ScienceDirect, Association for Computing Machinery(ACM) Digital Library, and the Association for Computational Linguistics(ACL) Anthology. We reviewed 7,556 publications; 38 met the inclusion criteria. This review identified: datasets having discharge summaries; NLP techniques along with some other data extraction processes, different feature extraction and embedding techniques. To measure the performance of classification methods, different evaluation metrics are used. Lastly, future research directions are provided to scholars who are interested in automated ICD code assignment. Efforts are still required to improve ICD code prediction accuracy, availability of large-scale de-identified clinical corpora with the latest version of the classification system. This can be a platform to guide and share knowledge with the less experienced coders and researchers.

Incorporating spatial information, particularly those influenced by climate, weather, and demographic factors, is crucial for improving underwriting precision and enhancing risk management in insurance. However, spatial data are often unstructured, high-dimensional, and difficult to integrate into predictive models. Embedding methods are needed to convert spatial data into meaningful representations for modelling tasks. We propose a novel multi-view contrastive learning framework for generating spatial embeddings that combine information from multiple spatial data sources. To train the model, we construct a spatial dataset that merges satellite imagery and OpenStreetMap features across Europe. The framework aligns these spatial views with coordinate-based encodings, producing low-dimensional embeddings that capture both spatial structure and contextual similarity. Once trained, the model generates embeddings directly from latitude-longitude pairs, enabling any dataset with coordinates to be enriched with meaningful spatial features without requiring access to the original spatial inputs. In a case study on French real estate prices, we compare models trained on raw coordinates against those using our spatial embeddings as inputs. The embeddings consistently improve predictive accuracy across generalised linear, additive, and boosting models, while providing interpretable spatial effects and demonstrating transferability to unseen regions.

Hospitals and healthcare systems rely on operational decisions that determine patient flow, cost, and quality of care. Despite strong performance on medical knowledge and conversational benchmarks, foundation models trained on general text may lack the specialized knowledge required for these operational decisions. We introduce Lang1, a family of models (100M-7B parameters) pretrained on a specialized corpus blending 80B clinical tokens from NYU Langone Health's EHRs and 627B tokens from the internet. To rigorously evaluate Lang1 in real-world settings, we developed the REalistic Medical Evaluation (ReMedE), a benchmark derived from 668,331 EHR notes that evaluates five critical tasks: 30-day readmission prediction, 30-day mortality prediction, length of stay, comorbidity coding, and predicting insurance claims denial. In zero-shot settings, both general-purpose and specialized models underperform on four of five tasks (36.6%-71.7% AUROC), with mortality prediction being an exception. After finetuning, Lang1-1B outperforms finetuned generalist models up to 70x larger and zero-shot models up to 671x larger, improving AUROC by 3.64%-6.75% and 1.66%-23.66% respectively. We also observed cross-task scaling with joint finetuning on multiple tasks leading to improvement on other tasks. Lang1-1B effectively transfers to out-of-distribution settings, including other clinical tasks and an external health system. Our findings suggest that predictive capabilities for hospital operations require explicit supervised finetuning, and that this finetuning process is made more efficient by in-domain pretraining on EHR. Our findings support the emerging view that specialized LLMs can compete with generalist models in specialized tasks, and show that effective healthcare systems AI requires the combination of in-domain pretraining, supervised finetuning, and real-world evaluation beyond proxy benchmarks.