FIND: Toward Multimodal Financial Reasoning and Question Answering for Indic Languages

Financial decision-making in multilingual settings demands accurate numerical reasoning grounded in diverse modalities, yet existing benchmarks largely overlook this high-stakes, real-world challenge, especially for Indic languages. We introduce FinVQA, a benchmark for evaluating financial numerical and multimodal reasoning in multilingual Indic contexts. FinVQA spans English, Hindi, Bengali, Marathi, Gujarati, and Tamil, and comprises 18,900 samples across 14 financial domains. The dataset captures diverse reasoning paradigms under realistic constraints, and is structured across three difficulty levels (easy, moderate, hard) and four question formats: multiple choice, fill-in-the-blank, table matching, and true/false. To address these challenges, we propose FIND, a framework that combines supervised fine-tuning with constraint-aware decoding to promote faithful numerical reasoning, robust multimodal grounding, and structured decision-making. Together, FinVQA and FIND establish a rigorous evaluation and modeling paradigm for high-stakes multilingual multimodal financial reasoning.

When Meaning Isn't Literal: Exploring Idiomatic Meaning Across Languages and Modalities

Idiomatic reasoning, deeply intertwined with metaphor and culture, remains a blind spot for contemporary language models, whose progress skews toward surface-level lexical and semantic cues. For instance, the Bengali idiom \textit{\foreignlanguage{bengali}{\char"0986\char"0999\char"09CD\char"0997\char"09C1 \char"09B0 \char"09AB\char"09B2 \char"099F\char"0995}} (angur fol tok, ``grapes are sour''): it encodes denial-driven rationalization, yet naive models latch onto the literal fox-and-grape imagery. Addressing this oversight, we present ``Mediom,'' a multilingual, multimodal idiom corpus of 3,533 Hindi, Bengali, and Thai idioms, each paired with gold-standard explanations, cross-lingual translations, and carefully aligned text--image representations. We benchmark both large language models (textual reasoning) and vision-language models (figurative disambiguation) on Mediom, exposing systematic failures in metaphor comprehension. To mitigate these gaps, we propose ``HIDE,'' a Hinting-based Idiom Explanation framework that leverages error-feedback retrieval and targeted diagnostic cues for iterative reasoning refinement. Collectively, Mediom and HIDE establish a rigorous test bed and methodology for culturally grounded, multimodal idiom understanding embedded with reasoning hints in next-generation AI systems.

Talk, Snap, Complain: Validation-Aware Multimodal Expert Framework for Fine-Grained Customer Grievances

Existing approaches to complaint analysis largely rely on unimodal, short-form content such as tweets or product reviews. This work advances the field by leveraging multimodal, multi-turn customer support dialogues, where users often share both textual complaints and visual evidence (e.g., screenshots, product photos) to enable fine-grained classification of complaint aspects and severity. We introduce VALOR, a Validation-Aware Learner with Expert Routing, tailored for this multimodal setting. It employs a multi-expert reasoning setup using large-scale generative models with Chain-of-Thought (CoT) prompting for nuanced decision-making. To ensure coherence between modalities, a semantic alignment score is computed and integrated into the final classification through a meta-fusion strategy. In alignment with the United Nations Sustainable Development Goals (UN SDGs), the proposed framework supports SDG 9 (Industry, Innovation and Infrastructure) by advancing AI-driven tools for robust, scalable, and context-aware service infrastructure. Further, by enabling structured analysis of complaint narratives and visual context, it contributes to SDG 12 (Responsible Consumption and Production) by promoting more responsive product design and improved accountability in consumer services. We evaluate VALOR on a curated multimodal complaint dataset annotated with fine-grained aspect and severity labels, showing that it consistently outperforms baseline models, especially in complex complaint scenarios where information is distributed across text and images. This study underscores the value of multimodal interaction and expert validation in practical complaint understanding systems. Resources related to data and codes are available here: https://github.com/sarmistha-D/VALOR