The Effects of Data Imbalance Under a Federated Learning Approach for Credit Risk Forecasting

Credit risk forecasting plays a crucial role for commercial banks and other financial institutions in granting loans to customers and minimise the potential loss. However, traditional machine learning methods require the sharing of sensitive client information with an external server to build a global model, potentially posing a risk of security threats and privacy leakage. A newly developed privacy-preserving distributed machine learning technique known as Federated Learning (FL) allows the training of a global model without the necessity of accessing private local data directly. This investigation examined the feasibility of federated learning in credit risk assessment and showed the effects of data imbalance on model performance. Two neural network architectures, Multilayer Perceptron (MLP) and Long Short-Term Memory (LSTM), and one tree ensemble architecture, Extreme Gradient Boosting (XGBoost), were explored across three different datasets under various scenarios involving different numbers of clients and data distribution configurations. We demonstrate that federated models consistently outperform local models on non-dominant clients with smaller datasets. This trend is especially pronounced in highly imbalanced data scenarios, yielding a remarkable average improvement of 17.92% in model performance. However, for dominant clients (clients with more data), federated models may not exhibit superior performance, suggesting the need for special incentives for this type of clients to encourage their participation.

FunnyNet-W: Multimodal Learning of Funny Moments in Videos in the Wild

Automatically understanding funny moments (i.e., the moments that make people laugh) when watching comedy is challenging, as they relate to various features, such as body language, dialogues and culture. In this paper, we propose FunnyNet-W, a model that relies on cross- and self-attention for visual, audio and text data to predict funny moments in videos. Unlike most methods that rely on ground truth data in the form of subtitles, in this work we exploit modalities that come naturally with videos: (a) video frames as they contain visual information indispensable for scene understanding, (b) audio as it contains higher-level cues associated with funny moments, such as intonation, pitch and pauses and (c) text automatically extracted with a speech-to-text model as it can provide rich information when processed by a Large Language Model. To acquire labels for training, we propose an unsupervised approach that spots and labels funny audio moments. We provide experiments on five datasets: the sitcoms TBBT, MHD, MUStARD, Friends, and the TED talk UR-Funny. Extensive experiments and analysis show that FunnyNet-W successfully exploits visual, auditory and textual cues to identify funny moments, while our findings reveal FunnyNet-W's ability to predict funny moments in the wild. FunnyNet-W sets the new state of the art for funny moment detection with multimodal cues on all datasets with and without using ground truth information.

LLMRS: Unlocking Potentials of LLM-Based Recommender Systems for Software Purchase

Recommendation systems are ubiquitous, from Spotify playlist suggestions to Amazon product suggestions. Nevertheless, depending on the methodology or the dataset, these systems typically fail to capture user preferences and generate general recommendations. Recent advancements in Large Language Models (LLM) offer promising results for analyzing user queries. However, employing these models to capture user preferences and efficiency remains an open question. In this paper, we propose LLMRS, an LLM-based zero-shot recommender system where we employ pre-trained LLM to encode user reviews into a review score and generate user-tailored recommendations. We experimented with LLMRS on a real-world dataset, the Amazon product reviews, for software purchase use cases. The results show that LLMRS outperforms the ranking-based baseline model while successfully capturing meaningful information from product reviews, thereby providing more reliable recommendations.

Deep Neural Network Solutions for Oscillatory Fredholm Integral Equations

We studied the use of deep neural networks (DNNs) in the numerical solution of the oscillatory Fredholm integral equation of the second kind. It is known that the solution of the equation exhibits certain oscillatory behaviors due to the oscillation of the kernel. It was pointed out recently that standard DNNs favour low frequency functions, and as a result, they often produce poor approximation for functions containing high frequency components. We addressed this issue in this study. We first developed a numerical method for solving the equation with DNNs as an approximate solution by designing a numerical quadrature that tailors to computing oscillatory integrals involving DNNs. We proved that the error of the DNN approximate solution of the equation is bounded by the training loss and the quadrature error. We then proposed a multi-grade deep learning (MGDL) model to overcome the spectral bias issue of neural networks. Numerical experiments demonstrate that the MGDL model is effective in extracting multiscale information of the oscillatory solution and overcoming the spectral bias issue from which a standard DNN model suffers.

Contrastive Learning with Negative Sampling Correction

As one of the most effective self-supervised representation learning methods, contrastive learning (CL) relies on multiple negative pairs to contrast against each positive pair. In the standard practice of contrastive learning, data augmentation methods are utilized to generate both positive and negative pairs. While existing works have been focusing on improving the positive sampling, the negative sampling process is often overlooked. In fact, the generated negative samples are often polluted by positive samples, which leads to a biased loss and performance degradation. To correct the negative sampling bias, we propose a novel contrastive learning method named Positive-Unlabeled Contrastive Learning (PUCL). PUCL treats the generated negative samples as unlabeled samples and uses information from positive samples to correct bias in contrastive loss. We prove that the corrected loss used in PUCL only incurs a negligible bias compared to the unbiased contrastive loss. PUCL can be applied to general contrastive learning problems and outperforms state-of-the-art methods on various image and graph classification tasks. The code of PUCL is in the supplementary file.

DA-BEV: Unsupervised Domain Adaptation for Bird's Eye View Perception

Camera-only Bird's Eye View (BEV) has demonstrated great potential in environment perception in a 3D space. However, most existing studies were conducted under a supervised setup which cannot scale well while handling various new data. Unsupervised domain adaptive BEV, which effective learning from various unlabelled target data, is far under-explored. In this work, we design DA-BEV, the first domain adaptive camera-only BEV framework that addresses domain adaptive BEV challenges by exploiting the complementary nature of image-view features and BEV features. DA-BEV introduces the idea of query into the domain adaptation framework to derive useful information from image-view and BEV features. It consists of two query-based designs, namely, query-based adversarial learning (QAL) and query-based self-training (QST), which exploits image-view features or BEV features to regularize the adaptation of the other. Extensive experiments show that DA-BEV achieves superior domain adaptive BEV perception performance consistently across multiple datasets and tasks such as 3D object detection and 3D scene segmentation.

SwiMDiff: Scene-wide Matching Contrastive Learning with Diffusion Constraint for Remote Sensing Image

With recent advancements in aerospace technology, the volume of unlabeled remote sensing image (RSI) data has increased dramatically. Effectively leveraging this data through self-supervised learning (SSL) is vital in the field of remote sensing. However, current methodologies, particularly contrastive learning (CL), a leading SSL method, encounter specific challenges in this domain. Firstly, CL often mistakenly identifies geographically adjacent samples with similar semantic content as negative pairs, leading to confusion during model training. Secondly, as an instance-level discriminative task, it tends to neglect the essential fine-grained features and complex details inherent in unstructured RSIs. To overcome these obstacles, we introduce SwiMDiff, a novel self-supervised pre-training framework designed for RSIs. SwiMDiff employs a scene-wide matching approach that effectively recalibrates labels to recognize data from the same scene as false negatives. This adjustment makes CL more applicable to the nuances of remote sensing. Additionally, SwiMDiff seamlessly integrates CL with a diffusion model. Through the implementation of pixel-level diffusion constraints, we enhance the encoder's ability to capture both the global semantic information and the fine-grained features of the images more comprehensively. Our proposed framework significantly enriches the information available for downstream tasks in remote sensing. Demonstrating exceptional performance in change detection and land-cover classification tasks, SwiMDiff proves its substantial utility and value in the field of remote sensing.

SnapCap: Efficient Snapshot Compressive Video Captioning

Video Captioning (VC) is a challenging multi-modal task since it requires describing the scene in language by understanding various and complex videos. For machines, the traditional VC follows the "imaging-compression-decoding-and-then-captioning" pipeline, where compression is pivot for storage and transmission. However, in such a pipeline, some potential shortcomings are inevitable, i.e., information redundancy resulting in low efficiency and information loss during the sampling process for captioning. To address these problems, in this paper, we propose a novel VC pipeline to generate captions directly from the compressed measurement, which can be captured by a snapshot compressive sensing camera and we dub our model SnapCap. To be more specific, benefiting from the signal simulation, we have access to obtain abundant measurement-video-annotation data pairs for our model. Besides, to better extract language-related visual representations from the compressed measurement, we propose to distill the knowledge from videos via a pre-trained CLIP with plentiful language-vision associations to guide the learning of our SnapCap. To demonstrate the effectiveness of SnapCap, we conduct experiments on two widely-used VC datasets. Both the qualitative and quantitative results verify the superiority of our pipeline over conventional VC pipelines. In particular, compared to the "caption-after-reconstruction" methods, our SnapCap can run at least 3$\times$ faster, and achieve better caption results.

Small Language Model Can Self-correct

Generative Language Models (LMs) such as ChatGPT have exhibited remarkable performance across various downstream tasks. Nevertheless, one of their most prominent drawbacks is generating inaccurate or false information with a confident tone. Previous studies have devised sophisticated pipelines and prompts to induce large LMs to exhibit the capability for self-correction. However, large LMs are explicitly prompted to verify and modify its answers separately rather than completing all steps spontaneously like humans. Moreover, these complex prompts are extremely challenging for small LMs to follow. In this paper, we introduce the \underline{I}ntrinsic \underline{S}elf-\underline{C}orrection (ISC) in generative language models, aiming to correct the initial output of LMs in a self-triggered manner, even for those small LMs with 6 billion parameters. Specifically, we devise a pipeline for constructing self-correction data and propose Partial Answer Masking (PAM), aiming to endow the model with the capability for intrinsic self-correction through fine-tuning. We conduct experiments using LMs with parameters sizes ranging from 6 billion to 13 billion in two tasks, including commonsense reasoning and factual knowledge reasoning. Our experiments demonstrate that the outputs generated using ISC outperform those generated without self-correction. We believe that the output quality of even small LMs can be further improved by empowering them with the ability to intrinsic self-correct.

Generative AI-driven Semantic Communication Networks: Architecture, Technologies and Applications

Generative artificial intelligence (GAI) has emerged as a rapidly burgeoning field demonstrating significant potential in creating diverse contents intelligently and automatically. To support such artificial intelligence-generated content (AIGC) services, future communication systems should fulfill much more stringent requirements (including data rate, throughput, latency, etc.) with limited yet precious spectrum resources. To tackle this challenge, semantic communication (SemCom), dramatically reducing resource consumption via extracting and transmitting semantics, has been deemed as a revolutionary communication scheme. The advanced GAI algorithms facilitate SemCom on sophisticated intelligence for model training, knowledge base construction and channel adaption. Furthermore, GAI algorithms also play an important role in the management of SemCom networks. In this survey, we first overview the basics of GAI and SemCom as well as the synergies of the two technologies. Especially, the GAI-driven SemCom framework is presented, where many GAI models for information creation, SemCom-enabled information transmission and information effectiveness for AIGC are discussed separately. We then delve into the GAI-driven SemCom network management involving with novel management layers, knowledge management, and resource allocation. Finally, we envision several promising use cases, i.e., autonomous driving, smart city, and the Metaverse for a more comprehensive exploration.