Persistent and Conversational Multi-Method Explainability for Trustworthy Financial AI

Financial institutions increasingly require AI explanations that are persistent, cross-validated across methods, and conversationally accessible to human decision-makers. We present an architecture for human-centered explainable AI in financial sentiment analysis that combines three contributions. First, we treat XAI artifacts -- LIME feature attributions, occlusion-based word importance scores, and saliency heatmaps -- as persistent, searchable objects in distributed S3-compatible storage with structured metadata and natural-language summaries, enabling semantic retrieval over explanation history and automatic index reconstruction after system failures. Second, we enable multi-method explanation triangulation, where a retrieval-augmented generation (RAG) assistant compares and synthesizes results from multiple XAI methods applied to the same prediction, allowing users to assess explanation robustness through natural-language dialogue. Third, we evaluate the faithfulness of generated explanations using automated checks over grounding completeness, hallucinated claims, and method-attribution behavior. We demonstrate the architecture on an EXTRA-BRAIN financial sentiment analysis pipeline using FinBERT predictions and present evaluation results showing that constrained prompting reduces hallucination rate by 36\% and increases method-attribution citations by 73\% compared to naive prompting. We discuss implications for trustworthy, human-centered AI services in regulated financial environments.

DECO-MWE: building a linguistic resource of Korean multiword expressions for feature-based sentiment analysis

This paper aims to construct a linguistic resource of Korean Multiword Expressions for Feature-Based Sentiment Analysis (FBSA): DECO-MWE. Dealing with multiword expressions (MWEs) has been a critical issue in FBSA since many constructs reveal lexical idiosyncrasy. To construct linguistic resources of sentiment MWEs efficiently, we utilize the Local Grammar Graph (LGG) methodology: DECO-MWE is formalized as a Finite-State Transducer that represents lexical-syntactic restrictions on MWEs. In this study, we built a corpus of cosmetics review texts, which show particularly frequent occurrences of MWEs. Based on an empirical examination of the corpus, four types of MWEs have been distinguished. The DECO-MWE thus covers the following four categories: Standard Polarity MWEs (SMWEs), Domain-Dependent Polarity MWEs (DMWEs), Compound Named Entity MWEs (EMWEs) and Compound Feature MWEs (FMWEs). The retrieval performance of the DECO-MWE shows 0.806 f-measure in the test corpus. This study brings a twofold outcome: first, a sizeable general-purpose polarity MWE lexicon, which may be broadly used in FBSA; second, a finite-state methodology adopted in this study to treat domain-dependent MWEs such as idiosyncratic polarity expressions, named entity expressions or feature expressions, and which may be reused in describing linguistic properties of other corpus domains.

FinMoji: A Framework for Emoji-driven Sentiment Analysis in Financial Social Media

This paper explores the use of emojis in financial sentiment analysis, focusing on the social media platform StockTwits. Emojis, increasingly prevalent in digital communication, have potential as compact indicators of investor sentiment, which can be critical for predicting market trends. Our study examines whether emojis alone can serve as reliable proxies for financial sentiment and how they compare with traditional text-based analysis. We conduct a series of experiments using logistic regression and transformer models. We further analyze the performance, computational efficiency, and data requirements of emoji-based versus text-based sentiment classification. Using a balanced dataset of about 528,000 emoji-containing StockTwits posts, we find that emoji-only models achieve F1 approximately 0.75, lower than text-emoji combined models, which achieve F1 approximately 0.88, but with far lower computational cost. This is a useful feature in time-sensitive settings such as high-frequency trading. Furthermore, certain emojis and emoji pairs exhibit strong predictive power for market sentiment, demonstrating over 90 percent accuracy in predicting bullish or bearish trends. Finally, our research reveals large statistical differences in emoji usage between financial and general social media contexts, stressing the need for domain-specific sentiment analysis models.

Beyond Majority Voting: Agreement-Based Clustering to Model Annotator Perspectives in Subjective NLP Tasks

Disagreement in annotation is a common phenomenon in the development of NLP datasets and serves as a valuable source of insight. While majority voting remains the dominant strategy for aggregating labels, recent work has explored modeling individual annotators to preserve their perspectives. However, modeling each annotator is resource-intensive and remains underexplored across various NLP tasks. We propose an agreement-based clustering technique to model the disagreement between the annotators. We conduct comprehensive experiments in 40 datasets in 18 typologically diverse languages, covering three subjective NLP tasks: sentiment analysis, emotion classification, and hate speech detection. We evaluate four aggregation approaches: majority vote, ensemble, multi-label, and multitask. The results demonstrate that agreement-based clustering can leverage the full spectrum of annotator perspectives and significantly enhance classification performance in subjective NLP tasks compared to majority voting and individual annotator modeling. Regarding the aggregation approach, the multi-label and multitask approaches are better for modeling clustered annotators than an ensemble and model majority vote.

Sentiment Analysis and Customer Satisfaction Prediction on E-Commerce Platforms Based on YouTube Comments Using the XGBoost Algorithm

The exponential expansion of digital commerce in Indonesia has significantly shifted consumer interactions toward video-centric social networks, particularly YouTube. Consequently, the sheer volume of unstructured, multi-contextual comments poses a tremendous challenge for manual sentiment tracking. This study investigates and constructs a predictive model for customer satisfaction leveraging the Extreme Gradient Boosting (XGBoost) architecture coupled with Term Frequency-Inverse Document Frequency (TF-IDF) vectorization. By utilizing a secondary dataset of YouTube comments retrieved from e-commerce review videos, the raw text underwent rigorous preprocessing to generate normalized numerical features. The experimental results demonstrate that the PyCaret-optimized machine learning framework delivers superior classification resilience. Beyond standard performance metrics, lexical evaluations and feature-importance mapping uncover a notable phenomenon: e-commerce discourse is heavily infiltrated by socio-political terminologies, which ultimately influence the polarity of audience satisfaction.

Annotation Quality in Aspect-Based Sentiment Analysis: A Case Study Comparing Experts, Students, Crowdworkers, and Large Language Model

Aspect-Based Sentiment Analysis (ABSA) enables fine-grained opinion analysis by identifying sentiments toward specific aspects or targets within a text. While ABSA has been widely studied for English, research on other languages such as German remains limited, largely due to the lack of high-quality annotated datasets. This paper examines how different annotation sources influence the development of German ABSA. To this end, an existing dataset is re-annotated by experts to establish a ground truth, which serves as a reference for evaluating annotations produced by students, crowdworkers, Large Language Models (LLMs), and experts. Annotation quality is compared using Inter-Annotator Agreement (IAA) and its impact on downstream model performance for different ABSA subtasks. The evaluation focuses on Aspect Category Sentiment Analysis (ACSA) and Target Aspect Sentiment Detection (TASD). We apply State-of-the-Art (SOTA) methods for ABSA, including BERT-, T5-, and LLaMA-based approaches to assess performance differences, spanning fine-tuning and in-context learning with instruction prompts. The findings provide practical insights into trade-offs between annotation reliability and efficiency, offering guidance for dataset construction in under-resourced Natural Language Processing (NLP) scenarios.

Sentiment Analysis of Indonesian Spotify Reviews Using Machine Learning and BiLSTM

This paper benchmarks classical machine learning and deep learning approaches for three-class sentiment classification of Indonesian Spotify reviews. Using 100,000 scraped reviews and 70,155 cleaned samples, the study compares Support Vector Machine, Multinomial Naive Bayes, and Decision Tree models with a two-layer BiLSTM. Both approaches use the same preprocessing pipeline, including slang normalization, stopword removal, and stemming. Decision Tree achieves the best performance among the classical models, while BiLSTM attains the highest weighted F1-score overall but fails on the minority neutral class. The paper concludes that BiLSTM is stronger for overall sentiment detection, whereas machine learning with SMOTE provides more balanced three-class performance.

A Comparison of Traditional Machine Learning Algorithms and LSTM-Based Deep Learning Models for Email Sentiment Analysis

The rapid growth of electronic communication has necessitated more robust systems for email classification and sentiment detection. This study presents a comparative performance analysis between traditional machine learning algorithms and deep learning architectures, specifically focusing on Support Vector Machines (SVMs), Logistic Regression, Naive Bayes, and Long Short-Term Memory (LSTM). Utilizing Word2Vec embeddings for feature representation, our experimental results indicate that the SVM model with a linear kernel achieves the highest efficiency and accuracy, reaching a peak performance of 98.74%. While the LSTM model demonstrates exceptional recall capabilities in detecting spam-related sentiments, it requires significantly more computational time compared to discriminative statistical models. Detailed evaluations via confusion matrices further reveal that traditional classifiers remain highly robust for dense vector spaces. This research concludes that for email detection tasks, SVM offers the most optimal balance between predictive precision and processing speed. These findings provide critical insights for developing high-performance automated email filtering systems in professional and academic environments.

Are We Making Progress in Multimodal Domain Generalization? A Comprehensive Benchmark Study

Despite the growing popularity of Multimodal Domain Generalization (MMDG) for enhancing model robustness, it remains unclear whether reported performance gains reflect genuine algorithmic progress or are artifacts of inconsistent evaluation protocols. Current research is fragmented, with studies varying significantly across datasets, modality configurations, and experimental settings. Furthermore, existing benchmarks focus predominantly on action recognition, often neglecting critical real-world challenges such as input corruptions, missing modalities, and model trustworthiness. This lack of standardization obscures a reliable assessment of the field's advancement. To address this issue, we introduce MMDG-Bench, the first unified and comprehensive benchmark for MMDG, which standardizes evaluation across six datasets spanning three diverse tasks: action recognition, mechanical fault diagnosis, and sentiment analysis. MMDG-Bench encompasses six modality combinations, nine representative methods, and multiple evaluation settings. Beyond standard accuracy, it systematically assesses corruption robustness, missing-modality generalization, misclassification detection, and out-of-distribution detection. With 7, 402 neural networks trained in total across 95 unique cross-domain tasks, MMDG-Bench yields five key findings: (1) under fair comparisons, recent specialized MMDG methods offer only marginal improvements over ERM baseline; (2) no single method consistently outperforms others across datasets or modality combinations; (3) a substantial gap to upper-bound performance persists, indicating that MMDG remains far from solved; (4) trimodal fusion does not consistently outperform the strongest bimodal configurations; and (5) all evaluated methods exhibit significant degradation under corruption and missing-modality scenarios, with some methods further compromising model trustworthiness.

Benchmarking Logistic Regression, SVM, Naive Bayes, and IndoBERT Fine-Tuning for Sentiment Analysis on Indonesian Product Reviews

The exponential growth of e-commerce platforms in Indonesia has generated a massive volume of user-generated product reviews. Analyzing the sentiment of these reviews is critical for measuring customer satisfaction and identifying product issues at scale. This paper benchmarks traditional Machine Learning (ML) approaches against a Transformer-based Deep Learning model for a three-class sentiment analysis task (positive, neutral, negative) on the Tokopedia Product Reviews 2025 dataset. We implemented Term Frequency-Inverse Document Frequency (TF-IDF) feature extraction coupled with three algorithms: Logistic Regression, Linear Support Vector Machine (SVM), and Multinomial Naive Bayes as robust baselines. Subsequently, we fine-tuned the IndoBERT model (indobenchmark/indobert-base-p1) for contextual sequence classification. To computationally address the severe class imbalance inherent in e-commerce feedback, we applied balanced class weights for the baseline models and engineered a custom weighted cross-entropy loss function within the IndoBERT training loop, following the broader motivation of imbalanced-learning research. Our comprehensive evaluation using Accuracy, Macro F1-score, and Weighted F1-score revealed that the traditional Linear SVC model significantly outperformed the IndoBERT model in our experimental setup, achieving an Accuracy of 97.60% and a Macro F1-score of 0.5510, compared to IndoBERT's 88.70% and 0.5088. Detailed analysis indicates that this performance gap was primarily driven by discrepancies in the data sampling regimes, where baselines utilized the full corpus while the Transformer was constrained to a sampled subset. Finally, we demonstrate the practical viability of our pipeline by deploying the final sentiment classification model as an interactive Gradio web application.