Building Korean linguistic resource for NLU data generation of banking app CS dialog system

Chatbots are robots that can communicate with humans using text or voice signals. Legal chatbots improve access to justice, since legal representation and legal advice by lawyers come with a high cost that excludes disadvantaged and vulnerable people. However, capturing the diversity of actual user input in datasets for deep-learning dialog systems (chatbots) is a technical challenge. Diversity requires large volumes of data, which must also be labelled in order to classify the user's intent, while the cost of labelling datasets increases with volume. Instead of labelling large volumes of authentic data from users, our approach consists in jointly generating large volumes of utterances and high-quality labels. The generator of labelled datasets is based on language resources that take the form of local grammar graphs (LGG), which capture and generalize the vocabulary and local syntax observed by linguists in text. The LGGs associate labels to the utterances according to a domain-specific classification system. We tested this approach by implementing LIGA, a legal chatbot in Korean. The chatbot answers users' conversational queries on legal situations by providing information on similar legal cases, made publicly available by the Korean government. We generated labelled utterances from the LGGs with the aid of the open-source Unitex platform. This process produced 700 million utterances. We trained a DIET classifier on a dataset made of these utterances, and the trained model reached 91% f1-score performance. We implemented a chatbot called LIGA, which uses the results of the model to select a link to a web page that documents similar legal cases.

Banks need conversational systems that can answer product questions, assist customers with account-related requests, and operate safely within strict operational and regulatory constraints. General-purpose language models do not reliably meet these requirements. They fall short when a task requires grounded information, correct tool use, or cautious handling of bank-specific sensitive situations. We introduce FiMI Banking, a controlled Indian retail-banking setting. We build it from vetted banking documents, structured ground truth, synthetic customer backgrounds, and banking tools. We evaluate two post-training approaches: preference optimization for response-level behavior, and reinforcement learning with verifiable rewards for multi-turn tool-use tasks. Preference optimization improves safe behavior substantially: out-of-scope refusal rises from 52% to 80%. Reinforcement learning improves edge-case performance from 0.509 to 0.718 and order-sensitive task performance from 0.590 to 0.679, while using 29% fewer generated tokens. These results show that preference optimization and verifiable-reward reinforcement learning address complementary requirements for reliable banking agents.

Although negation is known to challenge large language models (LLMs), benchmarks for evaluating negation understanding-especially in Korean-are scarce. We conduct a corpus-based analysis of Korean negation and show that LLM performance degrades under negation. We then introduce Thunder-KoNUBench, a sentence-level negation understanding benchmark that reflects the empirical distribution of Korean negation phenomena. Evaluating 47 LLMs on Thunder-KoNUBench, we analyze the effects of model size and instruction tuning, and perform error analysis to better understand model behavior. We further show that fine-tuning on Thunder-KoNUBench improves negation understanding and broader contextual comprehension in Korean.