Evidence-Gated Bilingual RAG for Reliable Consumer Banking Search

Multilingual Retrieval-Augmented Generation (mRAG) leverages cross-lingual evidence to ground Large Language Models (LLMs) in global knowledge. However, we show that current mRAG systems suffer from a language bias during reranking, systematically favoring English and the query's native language. By introducing an estimated oracle evidence analysis, we quantify a substantial performance gap between existing rerankers and the achievable upper bound. Further analysis reveals a critical distributional mismatch: while optimal predictions require evidence scattered across multiple languages, current systems systematically suppress such ``answer-critical'' documents, thereby limiting downstream generation performance. To bridge this gap, we propose Language-Agnostic Utility-driven Reranker Alignment (LAURA), which aligns multilingual evidence ranking with downstream generative utility. Experiments across diverse languages and generation models show that LAURA effectively mitigates language bias and consistently improves mRAG performance.

Multilingual retrieval-augmented generation (mRAG) is often implemented within a fixed retrieval space, typically via query or document translation or multilingual embedding vector representations. However, this approach may be inadequate for culturally grounded queries, in which retrieval-condition misalignment may occur. Even strong retrievers and generators may struggle to produce culturally relevant answers when sourcing evidence from inappropriate linguistic or regional contexts. To this end, we introduce CORAL (COntext-aware Retrieval with Agentic Loop, an adaptive retrieval methodology for mRAG that enables iterative refinement of both the retrieval space (corpora) and the retrieval probe (query) based on the quality of the evidence. The overall process includes: (1) selecting corpora, (2) retrieving documents, (3) critiquing evidence for relevance and cultural alignment, and (4) checking sufficiency. If the retrieved documents are insufficient to answer the query correctly, the system (5) reselects corpora and rewrites the query. Across two cultural QA benchmarks, CORAL achieves up to a 3.58%p accuracy improvement on low-resource languages relative to the strongest baselines.

Retrieval-Augmented Generation (RAG) has become the standard way to ground large language models in external knowledge, yet most systems retrieve a fixed number of passages for every question regardless of its difficulty. This wastes computation on easy questions, starves hard ones, and gives no signal for when a generated answer can be trusted. With a growing share of question answering systems built on top of commercial language model APIs, a method that can decide how much to retrieve, and how far to trust its own answers, without retraining the underlying model, is of clear practical value. This paper presents AB-RAG (Adaptive Budgeted Retrieval-Augmented Generation), a training-free and backbone-agnostic framework that generates an answer, estimates its confidence from a combination of three signals, and then decides whether to stop or to retrieve more evidence, subject to a fixed retrieval budget. The estimator combines the model's own certainty, the agreement between the answer and the evidence, and the variance of the retrieval scores. For models that expose token probabilities the certainty signal is read directly; for closed APIs it is approximated by self-consistency, so the method works without access to model internals. Across three backbones and two datasets, the central result is that the confidence estimate reliably separates correct from incorrect answers on every backbone, reaching a clean split of 57.6% against 0% Exact Match between high- and low-confidence answers on a factoid dataset. The adaptive policy improves accuracy on capable backbones, and the study reports its negative and nuanced findings honestly, including a confidence signal that proved unsuitable for short answers and a retrieval signal whose sign was found and corrected through measurement. The entire study was carried out on a single consumer laptop with only a few dollars of API spend.