Hybrid Intent-Aware Personalization with Machine Learning and RAG-Enabled Large Language Models for Financial Services Marketing

Personalized marketing in financial services requires models that can both predict customer behavior and generate compliant, context-appropriate content. This paper presents a hybrid architecture that integrates classical machine learning for segmentation, latent intent modeling, and personalization prediction with retrieval-augmented large language models for grounded content generation. A synthetic, reproducible dataset is constructed to reflect temporal customer behavior, product interactions, and marketing responses. The proposed framework incorporates temporal encoders, latent representations, and multi-task classification to estimate segment membership, customer intent, and product-channel recommendations. A retrieval-augmented generation layer then produces customer-facing messages constrained by retrieved domain documents. Experiments show that temporal modeling and intent features improve personalization accuracy, while citation-based retrieval reduces unsupported generation and supports auditability in regulated settings. The contribution is primarily architectural, demonstrating how predictive modeling and RAG-based generation can be combined into a transparent, explainable pipeline for financial services personalization.

LLMGreenRec: LLM-Based Multi-Agent Recommender System for Sustainable E-Commerce

Rising environmental awareness in e-commerce necessitates recommender systems that not only guide users to sustainable products but also minimize their own digital carbon footprints. Traditional session-based systems, optimized for short-term conversions, often fail to capture nuanced user intents for eco-friendly choices, perpetuating a gap between green intentions and actions. To tackle this, we introduce LLMGreenRec, a novel multi-agent framework that leverages Large Language Models (LLMs) to promote sustainable consumption. Through collaborative analysis of user interactions and iterative prompt refinement, LLMGreenRec's specialized agents deduce green-oriented user intents and prioritize eco-friendly product recommendations. Notably, this intent-driven approach also reduces unnecessary interactions and energy consumption. Extensive experiments on benchmark datasets validate LLMGreenRec's effectiveness in recommending sustainable products, demonstrating a robust solution that fosters a responsible digital economy.

RecThinker: An Agentic Framework for Tool-Augmented Reasoning in Recommendation

Large Language Models (LLMs) have revolutionized recommendation agents by providing superior reasoning and flexible decision-making capabilities. However, existing methods mainly follow a passive information acquisition paradigm, where agents either rely on static pre-defined workflows or perform reasoning with constrained information. It limits the agent's ability to identify information sufficiency, often leading to suboptimal recommendations when faced with fragmented user profiles or sparse item metadata. To address these limitations, we propose RecThinker, an agentic framework for tool-augmented reasoning in recommendation, which shifts recommendation from passive processing to autonomous investigation by dynamically planning reasoning paths and proactively acquiring essential information via autonomous tool-use. Specifically, RecThinker adopts an Analyze-Plan-Act paradigm, which first analyzes the sufficiency of user-item information and autonomously invokes tool-calling sequences to bridge information gaps between available knowledge and reasoning requirements. We develop a suite of specialized tools for RecThinker, enabling the model to acquire user-side, item-side, and collaborative information for better reasoning and user-item matching. Furthermore, we introduce a self-augmented training pipeline, comprising a Supervised Fine-Tuning (SFT) stage to internalize high-quality reasoning trajectories and a Reinforcement Learning (RL) stage to optimize for decision accuracy and tool-use efficiency. Extensive experiments on multiple benchmark datasets demonstrate that RecThinker consistently outperforms strong baselines in the recommendation scenario.

What Do We Care About in Bandits with Noncompliance? BRACE: Bandits with Recommendations, Abstention, and Certified Effects

Bandits with noncompliance separate the learner's recommendation from the treatment actually delivered, so the learning target itself must be chosen. A platform may care about recommendation welfare in the current mediated workflow, treatment learning for a future direct-control regime, or anytime-valid uncertainty for one of those targets. These objectives need not agree. We formalize this objective-choice problem, identify the direct-control regime in which recommendation and treatment objectives collapse, and show by example that recommendation welfare can strictly exceed every learner-measurable treatment policy when downstream actors use private information. For finite-context square-IV problems we propose BRACE, a parameter-free phase-doubling algorithm that performs IV inversion only after matrix certification and otherwise returns full-range but honest structural intervals. BRACE delivers simultaneous policy-value validity, fixed-gap identification of the operationally optimal recommendation policy, and fixed-gap identification of the structurally optimal treatment policy under contextual homogeneity and invertibility. We complement the theory with a finite-context empirical benchmark spanning direct control, mediated present-versus-future tradeoffs, weak identification, homogeneity failure, and rectangular overidentification. The experiments show that safety appears as regret on easy problems, as abstention and wide valid intervals under weak identification, as a reason to prefer recommendation welfare under homogeneity failure, and as tighter structural uncertainty when extra instruments are available. For rich contexts, we also derive an orthogonal score whose conditional bias factorizes into compliance-model and outcome-model errors, clarifying what must be stabilized for anytime-valid semiparametric IV inference.

Robust Post-Training for Generative Recommenders: Why Exponential Reward-Weighted SFT Outperforms RLHF

Aligning generative recommender systems to user preferences via post-training is critical for closing the gap between next-item prediction and actual recommendation quality. Existing post-training methods are ill-suited for production-scale systems: RLHF methods reward hack due to noisy user feedback and unreliable reward models, offline RL alternatives require propensity scores that are unavailable, and online interaction is infeasible. We identify exponential reward-weighted SFT with weights $w = \exp(r/λ)$ as uniquely suited to this setting, and provide the theoretical and empirical foundations that explain why. By optimizing directly on observed rewards without querying a learned reward model, the method is immune to reward hacking, requires no propensity scores, and is fully offline. We prove the first policy improvement guarantees for this setting under noisy rewards, showing that the gap scales only logarithmically with catalog size and remains informative even for large item catalogs. Crucially, we show that temperature $λ$ explicitly and quantifiably controls the robustness-improvement tradeoff, providing practitioners with a single interpretable regularization hyperparameter with theoretical grounding. Experiments on three open-source and one proprietary dataset against four baselines confirm that exponential reward weighting is simple, scalable, and consistently outperforms RLHF-based alternatives.

Privacy and Safety Experiences and Concerns of U.S. Women Using Generative AI for Seeking Sexual and Reproductive Health Information

The rapid adoption of generative AI (GenAI) chatbots has reshaped access to sexual and reproductive health (SRH) information, particularly following the overturning of Roe v. Wade, as individuals assigned female at birth increasingly turn to online sources. However, existing research remains largely model-centered, paying limited attention to user privacy and safety. We conducted semi-structured interviews with 18 U.S.-based participants from both restrictive and non-restrictive states who had used GenAI chatbots to seek SRH information. Adoption was influenced by perceived utility, usability, credibility, accessibility, and anthropomorphism, and many participants disclosed sensitive personal SRH details. Participants identified multiple privacy risks, including excessive data collection, government surveillance, profiling, model training, and data commodification. While most participants accepted these risks in exchange for perceived utility, abortion-related queries elicited heightened safety concerns. Few participants employed protective strategies beyond minimizing disclosures or deleting data. Based on these findings, we offer design and policy recommendations, such as health-specific features and stronger moderation practices, to enhance privacy and safety in GenAI-supported SRH information seeking.

$P^2$GNN: Two Prototype Sets to boost GNN Performance

Message Passing Graph Neural Networks (MP-GNNs) have garnered attention for addressing various industry challenges, such as user recommendation and fraud detection. However, they face two major hurdles: (1) heavy reliance on local context, often lacking information about the global context or graph-level features, and (2) assumption of strong homophily among connected nodes, struggling with noisy local neighborhoods. To tackle these, we introduce $P^2$GNN, a plug-and-play technique leveraging prototypes to optimize message passing, enhancing the performance of the base GNN model. Our approach views the prototypes in two ways: (1) as universally accessible neighbors for all nodes, enriching global context, and (2) aligning messages to clustered prototypes, offering a denoising effect. We demonstrate the extensibility of our proposed method to all message-passing GNNs and conduct extensive experiments across 18 datasets, including proprietary e-commerce datasets and open-source datasets, on node recommendation and node classification tasks. Results show that $P^2$GNN outperforms production models in e-commerce and achieves the top average rank on open-source datasets, establishing it as a leading approach. Qualitative analysis supports the value of global context and noise mitigation in the local neighborhood in enhancing performance.

The Confidence Gate Theorem: When Should Ranked Decision Systems Abstain?

Ranked decision systems -- recommenders, ad auctions, clinical triage queues -- must decide when to intervene in ranked outputs and when to abstain. We study when confidence-based abstention monotonically improves decision quality, and when it fails. The formal conditions are simple: rank-alignment and no inversion zones. The substantive contribution is identifying why these conditions hold or fail: the distinction between structural uncertainty (missing data, e.g., cold-start) and contextual uncertainty (missing context, e.g., temporal drift). Empirically, we validate this distinction across three domains: collaborative filtering (MovieLens, 3 distribution shifts), e-commerce intent detection (RetailRocket, Criteo, Yoochoose), and clinical pathway triage (MIMIC-IV). Structural uncertainty produces near-monotonic abstention gains in all domains; structurally grounded confidence signals (observation counts) fail under contextual drift, producing as many monotonicity violations as random abstention on our MovieLens temporal split. Context-aware alternatives -- ensemble disagreement and recency features -- substantially narrow the gap (reducing violations from 3 to 1--2) but do not fully restore monotonicity, suggesting that contextual uncertainty poses qualitatively different challenges. Exception labels defined from residuals degrade substantially under distribution shift (AUC drops from 0.71 to 0.61--0.62 across three splits), providing a clean negative result against the common practice of exception-based intervention. The results provide a practical deployment diagnostic: check C1 and C2 on held-out data before deploying a confidence gate, and match the confidence signal to the dominant uncertainty type.

Understanding the Use of a Large Language Model-Powered Guide to Make Virtual Reality Accessible for Blind and Low Vision People

As social virtual reality (VR) grows more popular, addressing accessibility for blind and low vision (BLV) users is increasingly critical. Researchers have proposed an AI "sighted guide" to help users navigate VR and answer their questions, but it has not been studied with users. To address this gap, we developed a large language model (LLM)-powered guide and studied its use with 16 BLV participants in virtual environments with confederates posing as other users. We found that when alone, participants treated the guide as a tool, but treated it companionably around others, giving it nicknames, rationalizing its mistakes with its appearance, and encouraging confederate-guide interaction. Our work furthers understanding of guides as a versatile method for VR accessibility and presents design recommendations for future guides.

Long-Short Term Agents for Pure-Vision Bronchoscopy Robotic Autonomy

Accurate intraoperative navigation is essential for robot-assisted endoluminal intervention, but remains difficult because of limited endoscopic field of view and dynamic artifacts. Existing navigation platforms often rely on external localization technologies, such as electromagnetic tracking or shape sensing, which increase hardware complexity and remain vulnerable to intraoperative anatomical mismatch. We present a vision-only autonomy framework that performs long-horizon bronchoscopic navigation using preoperative CT-derived virtual targets and live endoscopic video, without external tracking during navigation. The framework uses hierarchical long-short agents: a short-term reactive agent for continuous low-latency motion control, and a long-term strategic agent for decision support at anatomically ambiguous points. When their recommendations conflict, a world-model critic predicts future visual states for candidate actions and selects the action whose predicted state best matches the target view. We evaluated the system in a high-fidelity airway phantom, three ex vivo porcine lungs, and a live porcine model. The system reached all planned segmental targets in the phantom, maintained 80\% success to the eighth generation ex vivo, and achieved in vivo navigation performance comparable to the expert bronchoscopist. These results support the preclinical feasibility of sensor-free autonomous bronchoscopic navigation.