Comparing Credit Risk Estimates in the Gen-AI Era

Generative AI technologies have demonstrated significant potential across diverse applications. This study provides a comparative analysis of credit score modeling techniques, contrasting traditional approaches with those leveraging generative AI. Our findings reveal that current generative AI models fall short of matching the performance of traditional methods, regardless of the integration strategy employed. These results highlight the limitations in the current capabilities of generative AI for credit risk scoring, emphasizing the need for further research and development before the possibility of applying generative AI for this specific task, or equivalent ones.

RAID: A Dataset for Testing the Adversarial Robustness of AI-Generated Image Detectors

AI-generated images have reached a quality level at which humans are incapable of reliably distinguishing them from real images. To counteract the inherent risk of fraud and disinformation, the detection of AI-generated images is a pressing challenge and an active research topic. While many of the presented methods claim to achieve high detection accuracy, they are usually evaluated under idealized conditions. In particular, the adversarial robustness is often neglected, potentially due to a lack of awareness or the substantial effort required to conduct a comprehensive robustness analysis. In this work, we tackle this problem by providing a simpler means to assess the robustness of AI-generated image detectors. We present RAID (Robust evaluation of AI-generated image Detectors), a dataset of 72k diverse and highly transferable adversarial examples. The dataset is created by running attacks against an ensemble of seven state-of-the-art detectors and images generated by four different text-to-image models. Extensive experiments show that our methodology generates adversarial images that transfer with a high success rate to unseen detectors, which can be used to quickly provide an approximate yet still reliable estimate of a detector's adversarial robustness. Our findings indicate that current state-of-the-art AI-generated image detectors can be easily deceived by adversarial examples, highlighting the critical need for the development of more robust methods. We release our dataset at https://huggingface.co/datasets/aimagelab/RAID and evaluation code at https://github.com/pralab/RAID.

An introduction to pitch strength in contemporary popular music analysis and production

Music information retrieval distinguishes between low- and high-level descriptions of music. Current generative AI models rely on text descriptions that are higher level than the controls familiar to studio musicians. Pitch strength, a low-level perceptual parameter of contemporary popular music, may be one feature that could make such AI models more suited to music production. Signal and perceptual analyses suggest that pitch strength (1) varies significantly across and inside songs; (2) contributes to both small- and large-scale structure; (3) contributes to the handling of polyphonic dissonance; and (4) may be a feature of upper harmonics made audible in a perspective of perceptual richness.

NOVA3D: Normal Aligned Video Diffusion Model for Single Image to 3D Generation

3D AI-generated content (AIGC) has made it increasingly accessible for anyone to become a 3D content creator. While recent methods leverage Score Distillation Sampling to distill 3D objects from pretrained image diffusion models, they often suffer from inadequate 3D priors, leading to insufficient multi-view consistency. In this work, we introduce NOVA3D, an innovative single-image-to-3D generation framework. Our key insight lies in leveraging strong 3D priors from a pretrained video diffusion model and integrating geometric information during multi-view video fine-tuning. To facilitate information exchange between color and geometric domains, we propose the Geometry-Temporal Alignment (GTA) attention mechanism, thereby improving generalization and multi-view consistency. Moreover, we introduce the de-conflict geometry fusion algorithm, which improves texture fidelity by addressing multi-view inaccuracies and resolving discrepancies in pose alignment. Extensive experiments validate the superiority of NOVA3D over existing baselines.

Generative Voice Bursts during Phone Call

In critical situations, conventional mobile telephony fails to convey emergency voice messages to a callee already engaged in another call. The standard call waiting alert does not provide the urgency or content of the waiting call. This paper proposes a novel method for transmitting Generative Voice Bursts short, context aware audio messages during ongoing calls, from either preauthorized or dynamically prioritized callers. By leveraging generative AI techniques, the system automatically generates spoken messages from contextual inputs example like location, health data, images, background noise when the caller is unable to speak due to incapacitation or environmental constraints. The solution incorporates voice, text, and priority inference mechanisms, allowing high priority emergency messages to bypass conventional call waiting barriers. The approach employs models such as GPT Neo for generative text, which is synthesized into audio and delivered in configurable intervals G seconds and counts N times, ensuring minimal disruption while preserving urgency. This method holds potential for significant impact across telecom, mobile device manufacturing, and emergency communication platforms.

Cost-Optimal Active AI Model Evaluation

The development lifecycle of generative AI systems requires continual evaluation, data acquisition, and annotation, which is costly in both resources and time. In practice, rapid iteration often makes it necessary to rely on synthetic annotation data because of the low cost, despite the potential for substantial bias. In this paper, we develop novel, cost-aware methods for actively balancing the use of a cheap, but often inaccurate, weak rater -- such as a model-based autorater that is designed to automatically assess the quality of generated content -- with a more expensive, but also more accurate, strong rater alternative such as a human. More specifically, the goal of our approach is to produce a low variance, unbiased estimate of the mean of the target "strong" rating, subject to some total annotation budget. Building on recent work in active and prediction-powered statistical inference, we derive a family of cost-optimal policies for allocating a given annotation budget between weak and strong raters so as to maximize statistical efficiency. Using synthetic and real-world data, we empirically characterize the conditions under which these policies yield improvements over prior methods. We find that, especially in tasks where there is high variability in the difficulty of examples, our policies can achieve the same estimation precision at a far lower total annotation budget than standard evaluation methods.

WebUIBench: A Comprehensive Benchmark for Evaluating Multimodal Large Language Models in WebUI-to-Code

With the rapid advancement of Generative AI technology, Multimodal Large Language Models(MLLMs) have the potential to act as AI software engineers capable of executing complex web application development. Considering that the model requires a confluence of multidimensional sub-capabilities to address the challenges of various development phases, constructing a multi-view evaluation framework is crucial for accurately guiding the enhancement of development efficiency. However, existing benchmarks usually fail to provide an assessment of sub-capabilities and focus solely on webpage generation outcomes. In this work, we draw inspiration from the principles of software engineering and further propose WebUIBench, a benchmark systematically designed to evaluate MLLMs in four key areas: WebUI Perception, HTML Programming,WebUI-HTML Understanding, and WebUI-to-Code. WebUIBench comprises 21K high-quality question-answer pairs derived from over 0.7K real-world websites. The extensive evaluation of 29 mainstream MLLMs uncovers the skill characteristics and various weakness that models encountered during the development process.

Diffusion-RL for Scalable Resource Allocation for 6G Networks

This paper presents a novel approach to resource allocation in Open Radio Access Networks (O-RAN), leveraging a Generative AI technique with network slicing to address the diverse demands of 5G and 6G service types such as Enhanced Mobile Broadband (eMBB), Ultra-Reliable Low-Latency Communications (URLLC), and Massive Machine-Type Communications (mMTC). Additionally, we provide a comprehensive analysis and comparison of machine learning (ML) techniques for resource allocation within O-RAN, evaluating their effectiveness in optimizing network performance. We introduce a diffusion-based reinforcement learning (Diffusion-RL) algorithm designed to optimize the allocation of physical resource blocks (PRBs) and power consumption, thereby maximizing weighted throughput and minimizing the delay for user equipment (UE). The Diffusion-RL model incorporates controlled noise and perturbations to explore optimal resource distribution while meeting each service type's Quality of Service (QoS) requirements. We evaluate the performance of our proposed method against several benchmarks, including an exhaustive search algorithm, deep Q-networks (DQN), and the Semi-Supervised Variational Autoencoder (SS-VAE). Comprehensive metrics, such as throughput and latency, are presented for each service type. Experimental results demonstrate that the Diffusion-based RL approach outperforms existing methods in efficiency, scalability, and robustness, offering a promising solution for resource allocation in dynamic and heterogeneous O-RAN environments with significant implications for future 6G networks.

Interpretable and Reliable Detection of AI-Generated Images via Grounded Reasoning in MLLMs

The rapid advancement of image generation technologies intensifies the demand for interpretable and robust detection methods. Although existing approaches often attain high accuracy, they typically operate as black boxes without providing human-understandable justifications. Multi-modal Large Language Models (MLLMs), while not originally intended for forgery detection, exhibit strong analytical and reasoning capabilities. When properly fine-tuned, they can effectively identify AI-generated images and offer meaningful explanations. However, existing MLLMs still struggle with hallucination and often fail to align their visual interpretations with actual image content and human reasoning. To bridge this gap, we construct a dataset of AI-generated images annotated with bounding boxes and descriptive captions that highlight synthesis artifacts, establishing a foundation for human-aligned visual-textual grounded reasoning. We then finetune MLLMs through a multi-stage optimization strategy that progressively balances the objectives of accurate detection, visual localization, and coherent textual explanation. The resulting model achieves superior performance in both detecting AI-generated images and localizing visual flaws, significantly outperforming baseline methods.

Adversarial Paraphrasing: A Universal Attack for Humanizing AI-Generated Text

The increasing capabilities of Large Language Models (LLMs) have raised concerns about their misuse in AI-generated plagiarism and social engineering. While various AI-generated text detectors have been proposed to mitigate these risks, many remain vulnerable to simple evasion techniques such as paraphrasing. However, recent detectors have shown greater robustness against such basic attacks. In this work, we introduce Adversarial Paraphrasing, a training-free attack framework that universally humanizes any AI-generated text to evade detection more effectively. Our approach leverages an off-the-shelf instruction-following LLM to paraphrase AI-generated content under the guidance of an AI text detector, producing adversarial examples that are specifically optimized to bypass detection. Extensive experiments show that our attack is both broadly effective and highly transferable across several detection systems. For instance, compared to simple paraphrasing attack--which, ironically, increases the true positive at 1% false positive (T@1%F) by 8.57% on RADAR and 15.03% on Fast-DetectGPT--adversarial paraphrasing, guided by OpenAI-RoBERTa-Large, reduces T@1%F by 64.49% on RADAR and a striking 98.96% on Fast-DetectGPT. Across a diverse set of detectors--including neural network-based, watermark-based, and zero-shot approaches--our attack achieves an average T@1%F reduction of 87.88% under the guidance of OpenAI-RoBERTa-Large. We also analyze the tradeoff between text quality and attack success to find that our method can significantly reduce detection rates, with mostly a slight degradation in text quality. Our adversarial setup highlights the need for more robust and resilient detection strategies in the light of increasingly sophisticated evasion techniques.