A Unified Multi-Modal Framework for Intelligent Financial Systems: Integrating Reinforcement Learning, High-Frequency Trading, and Game-Theoretic Approaches with Cross-Modal Sentiment Analysis

The rapid evolution of financial technology demands sophisticated artificial intelligence systems capable of handling diverse challenges across multiple domains simultaneously. This paper presents a groundbreaking unified framework that seamlessly integrates Proximal Policy Optimization for robo-advisory systems, advanced time-series prediction models for high-frequency trading, in-context learning mechanisms for dynamic investment advisory, game-theoretic approaches for competitive banking scenarios, and unified embeddings for cross-modal financial sentiment analysis. Our comprehensive framework addresses the critical gap in existing literature where these technologies have been developed in isolation, failing to leverage their synergistic potential. Through extensive experimentation across multiple financial datasets and real-world scenarios, we demonstrate that our integrated approach achieves superior performance compared to specialized single-domain systems. Specifically, our framework shows a 23.7% improvement in portfolio optimization metrics, reduces prediction error in high-frequency trading by 31.2%, enhances investment recommendation accuracy by 18.9%, optimizes competitive banking strategies with a 27.4% increase in Nash equilibrium convergence speed, and improves sentiment analysis accuracy by 15.6% through cross-modal fusion. The theoretical foundation of our work establishes convergence guarantees for the integrated optimization problem, while our empirical results validate the practical applicability across diverse financial institutions. This research not only advances the state-of-the-art in financial AI but also provides a blueprint for developing comprehensive intelligent systems that can adapt to the complex, interconnected nature of modern financial markets.

Explicit Representation Alignment for Multimodal Sentiment Analysis

Multimodal affective analysis aims to understand human sentiment and emotion by jointly modeling heterogeneous modalities such as text and images. However, multimodal models often fail to consistently outperform strong text-only baselines, with performance varying significantly across fusion strategies. In this work, we identify representation misalignment between independently pretrained modality encoders as a key bottleneck for effective multimodal learning, and show through controlled experiments that alignment prior to fusion is often more important than fusion complexity. To address this issue, we propose a unified multimodal affective analysis framework that leverages vision-language models (VLMs) to convert visual content into structured textual descriptions, projecting heterogeneous modalities into a shared linguistic space and enabling interpretable text-centric reasoning. To further improve robustness, we introduce a hybrid learning strategy that combines semantic token selection with a batch-level uniformity regularization objective, encouraging a more dispersed and stable global feature space while mitigating noise introduced by VLM-generated descriptions. Experiments on multiple multimodal sentiment and emotion benchmarks show that our method consistently outperforms strong unimodal and multimodal baselines, achieving state-of-the-art performance. Our analysis further highlights the critical role of representation alignment in multimodal affective learning.

TeamHerald@CHIPSAL 2026: Hate Speech Detection and Sentiment Analysis of Nepali Memes using Transformer-based Architectures and Ensemble Learning

The analysis of internet memes in the Nepali language is complicated by frequent code-mixing and a lack of established baseline resources. While memes inherently combine visual and textual elements, this study focuses on a text-centric approach by extracting embedded text using an OCR layer and modeling it with Transformer-based architectures. We evaluate six distinct models and investigate the comparative effectiveness of Hard and Soft Voting ensemble strategies across two tasks: binary hate speech detection and three-class sentiment analysis. Experimental results show that a standalone decoder-only model achieved the highest performance for binary classification, whereas the Soft Voting ensemble performed best for the multi-class sentiment task, yielding a 15.8% relative improvement in Macro F1-score over the strongest standalone baseline. These findings suggest that ensemble strategies behave differently across binary and multi-class tasks, highlighting the importance of selecting aggregation methods suited to the classification objective.

Multilingual Sentiment Aware Text Summarization A Reinforcement Learning Approach for Consistency Maintenance

Reinforcement Learning from Human Feedback (RLHF) has significantly improved the quality and fluency of large language models in text summarization. However, its impact on affective properties remains insufficiently understood. In this work, we study sentiment drift, a systematic shift toward neutral sentiment in RLHF-based summarization outputs compared to source texts. We conduct extensive experiments across multiple datasets, model architectures, and eight languages to analyze how alignment objectives influence sentiment preservation. Our results show that sentiment drift is a consistent phenomenon that becomes stronger with increased KL regularization strength, indicating a trade-off between alignment stability and affective fidelity. To explain this behavior, we introduce a Policy Attribution framework that decomposes the RLHF objective and quantifies the contribution of its components. Our analysis reveals that KL regularization is the primary driver of sentiment suppression across all settings. Based on these findings, we propose a sentiment-aware modification of the KL regularization term, which selectively reduces constraints on sentiment-bearing tokens. Empirical results demonstrate that this approach mitigates sentiment drift while maintaining summarization quality. Overall, our findings highlight a fundamental limitation of current alignment methods: while they improve factual consistency and safety, they may unintentionally suppress emotional expressiveness. This motivates the development of alignment strategies that explicitly account for affective preservation.

Interpretable Crisis Behavior Analysis Using Mobility and Social Media Data

Crises alter both how people move and how they communicate. During emergencies such as wildfires and pandemics, changes in mobility patterns and online emotional discourse evolve jointly, yet they are typically studied in isolation. This paper presents a unified and interpretable pipeline that integrates mobility and social media data to identify cross-domain behavioral patterns in crisis settings. The framework is evaluated through two case studies: a short-horizon analysis of the January 2025 Los Angeles wildfires (prototype case) and a longitudinal analysis of UAE COVID-19 behavior from March 2020 to December 2021 (primary case, 671 days). The pipeline aligns heterogeneous daily signals, transforms them into binary behavioral states, applies Formal Concept Analysis (FCA) to extract co-occurrence structure, mines association rules, and validates rule stability through chronological holdout testing. A structured policy-translation layer renders robust rules as operational briefs specifying triggers, lead times, and action playbooks. Results reveal clear cross-domain behavioral structure in both crises. In the wildfire case, traffic stress, fear/anger sentiment, and governance discourse are tightly coupled within a 33-day window, with key rules reaching 100\% confidence and lift scores up to 2.5. In the COVID case, repeated mobility adaptation and sentiment volatility yield 8 stable same-day rules (88\% holdout pass rate) and 40 clean predictive rules with 2--7 day lead horizons. The work demonstrates that interpretable multimodal fusion can produce both scientifically credible and policy-actionable crisis intelligence.

Beyond Accuracy: Community Perspectives on Machine Translation

Despite remarkable progress in machine translation (MT), non-AI communities have raised growing concerns about MT systems, suggesting a noticeable gap between technical advancement and the needs of real-world users. For instance, while NLP researchers focus on benchmark performance, end users care about ethical concerns, trust, reliability, costs, and more. We argue that listening to various user communities is essential so that research efforts would be directed towards the problems that the communities care about. To this end, we present a large-scale analysis, for the first time, that investigates what four stakeholder communities (AI developers, professional translators, language learners, and language service providers) post about MT technology on social media. To do so, we construct a dataset of 79,286 posts and comments from Reddit, Facebook, Bluesky, and Mastodon from 2019 to 2025, and analyse where these communities disagree, and how and why. Overall, we find that communities often disagree, and even show strong conflicts due to polarised sentiments on topics such as translation quality, efficiency, and reliability. This is because these communities approach these topics differently: the AI community frames them as technical and computational problems, while non-AI (user) communities care more about quality nuances, time savings, user trust, and broader social issues.

Beyond Generative Decoding: Discriminative Hidden-State Readout from a Native Omni-Modal LLM for Multimodal Sentiment Analysis

Multimodal sentiment analysis (MSA) infers human affect from language, acoustic, and visual signals. Recent methods increasingly adapt large multimodal models (LMMs) via generative readout: prompting the model to emit a sentiment score as a text string. While convenient, this ties continuous regression to discrete autoregressive decoding, incurring unmeasured costs. We revisit this readout mechanism and propose a discriminative formulation built on the Thinker module of a native omni-modal LLM (Qwen2.5-Omni-7B). Instead of text decoding, we map the final-layer hidden state of the last non-padding token to a continuous score via a lightweight regression head in a single forward pass. Using 4-bit quantization and low-rank adaptation (QLoRA), the entire 7B pipeline -- including video and audio processing -- trains on a single consumer GPU (RTX 5090, 32 GB) with 10-21 GB peak memory and 1.14% trainable parameters. Through a controlled comparison fixing the backbone, data, and LoRA configuration, we isolate the impact of the readout. On CMU-MOSI and CMU-MOSEI, our discriminative readout reaches state-of-the-art accuracy without task-specific feature engineering (MOSI: MAE 0.551, Corr 0.888; MOSEI: MAE 0.506, Corr 0.790) and exhibits strong multi-seed stability. In contrast, the generative readout -- even after equivalent supervised training -- more than doubles the mean absolute error, yields unparsable or out-of-range outputs (2.8% zero-shot), and suffers from higher latency. Modality ablations reveal a text-dominant regime on CMU-MOSI. Our findings indicate that how an LMM is read out is as consequential as how it is trained, demonstrating that a discriminative readout offers a more accurate, efficient, and reliable alternative for continuous MSA.

TRACE: A Temporal Conditional Estimation for Multimodal Time Series Foundation Models

Time series foundation models (TS-FMs) aim to learn generalizable temporal representations that can be adapted to a wide range of downstream tasks. In real-world multimodal settings, time series are frequently affected by temporal misalignment and partial modality missingness, where different modalities are observed at heterogeneous time scales or are partially absent. Existing approaches typically rely on naive imputation or masking strategies, which fail to account for cross-modal dependencies and often lead to misaligned or degraded representations. We propose TRACE, a conditional estimation paradigm for multimodal time series foundation model pipelines under missingness and irregular sampling, allowing incomplete target modalities to be systematically inferred from available auxiliary modalities. We evaluate TRACE on diverse multimodal benchmarks spanning healthcare and affective computing, including the MIMIC-IV clinical dataset and the CMU-MOSI and CMU-MOSEI benchmarks for multimodal sentiment analysis. Across a range of downstream prediction tasks and missing-modality settings, TRACE consistently outperforms prior multimodal fusion approaches, demonstrating improved robustness to severe modality missingness and more reliable cross-modal representations.

LLM Explainability with Counterfactual Chains and Causal Graphs

Causal graphs provide a high-level language for making mechanisms transparent. Recent work uses Large Language Models (LLMs) to recover causal graphs of external-world processes. Instead, in this paper, we use causal graphs to model LLM inference itself, providing stakeholders with a transparent view of how the model perceives and organizes high-level concepts to produce a prediction. We propose a four-phase method for constructing such graphs. Given a target LLM and a set of textual examples, our method discovers class-discriminative, human-interpretable concepts and maps each input to LLM-perceived concept states. We then introduce an MCMC-inspired counterfactual augmentation procedure that expands the sparse observational data through chains of counterfactuals. This enables stable causal discovery with $σ$-CG, yielding informative, interpretable graphs. We apply our method to three LLMs across disease diagnosis, sentiment analysis, and LLM-as-a-judge classification tasks. We evaluate the learned graphs for predictive fidelity and structural stability, and the MCMC-inspired augmentation for convergence and downstream utility. Our results show that the discovered causal graphs capture meaningful dependencies consistent with LLMs' reasoning. Together, this paper provides a foundation for concept-level explainability of LLMs.

ACAT: A Collaborative Platform for Efficient Aspect-Based Sentiment Dataset Annotation

Aspect-Based Sentiment Analysis (ABSA) requires high-quality datasets to train reliable models. However, existing annotation tools treat output as flat files, leaving researchers to manually consolidate multi-annotator data, reconstruct relational structures, and compute reliability metrics through custom scripts. This paper introduces ACAT (Aspect-based sentiment analysis Collaborative Annotation Tool), a web-based platform natively supporting four ABSA workflows: (1) Aspect-Category Sentiment Analysis, (2) Clause-Level Segmentation, (3) Aspect-Term Sentiment Analysis with character-level position tracking, and (4) Aspect Sentiment Triplet Extraction with dual span offset preservation. Its core contribution is an automated Extract, Transform, Load (ETL) pipeline that aligns collaborative annotations and computes Inter-Annotator Agreement (IAA) metrics directly at export, yielding training-ready datasets. In a preliminary validation on 1,002 restaurant reviews with two annotators of differing expertise, ACAT achieves a median annotation time of 31.58 seconds and a raw IAA ranging from 0.78 to 0.86 across all tasks.