Financial Services

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Overview

AI in financial services supports tasks such as credit assessment, fraud detection, document analysis, customer support, investment advice, and payment processing. Methods range from traditional machine learning and time-series models to financial foundation models, retrieval-augmented generation, and multi-agent systems that use tools and structured workflows. Researchers evaluate these systems on financial benchmarks and real operational data, while also studying fairness, security, regulatory compliance, and auditability. A central challenge is that strong task scores do not always translate into reliable end-to-end decisions: models can misuse evidence, violate user constraints, or behave inconsistently under changing conditions.

Latest papers

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106 papers8 papers in the last four weeks, down 43% on the four weeks before. 0.0% of all new papers.

  1. A Multi-Model Approach to English-Bangla Sentiment Classification of Government Mobile Banking App Reviews

    Mar 17, 2026Md. Naim Molla, Md Muhtasim Munif Fahim, Md. Binyamin +4Multilingual Sentiment AnalysisSentiment Analysis

    Data Science Research Lab, Department of Statistics, University of Rajshahi, Rajshahi-6205, Bangladesh · Department of Statistics, Mawlana Bhashani Science and Technology University, Tangail-1902, Bangladesh · Department of Statistics, University of Rajshahi, Rajshahi-6205, Bangladesh

  2. Sell Me This Stock: Unsafe Recommendation Drift in LLM Agents

    Mar 13, 2026Zekun Wu, Adriano Koshiyama, Sahan Bulathwela +1LLM Agent SafetyLanguage Model Safety Evaluation

    Centre for Artificial Intelligence, University College London · Holistic AI

  3. Hybrid Intent-Aware Personalization with Machine Learning and RAG-Enabled Large Language Models for Financial Services Marketing

    Mar 11, 2026Akhil Chandra ShanivendraFinancial ServicesHuman Behavior Prediction

    Independent Researcher

  4. Zero-Knowledge Proof (ZKP) Authentication for Offline CBDC Payment System Using IoT Devices

    Mar 4, 2026Santanu Mondal, T. ChithralekhaFinancial ServicesFinance

    Dept. of Computer Science, Pondicherry University, Puducherry, India

  5. A Novel Hierarchical Multi-Agent System for Payments Using LLMs

    Feb 27, 2026Joon Kiat Chua, Donghao Huang, Zhaoxia WangMulti-Agent LLM SystemsMulti-Agent Systems

    School of Computing and Information Systems, Singapore Management University, 80 Stamford Rd, Singapore 178902, Singapore · Research and Development, Mastercard, 4250 Fairfax Dr, Arlington, VA 22203, USA

  6. BankMathBench: A Benchmark for Numerical Reasoning in Banking Scenarios

    Feb 19, 2026Yunseung Lee, Subin Kim, Youngjun Kwak +1Numerical Reasoning in Language ModelsMathematical Reasoning Benchmarks

    KakaoBank Corp., South Korea · Korea Advanced Institute of Science and Technology, South Korea

  7. Modeling Trust and Liquidity Under Payment System Stress: A Multi-Agent Approach

    Feb 18, 2026Masoud AmouzgarHysteresisFinancial Services

    Sharif University of Technology, Computer Science · Head of Payments, blu Bank

  8. Predicting Invoice Dilution in Supply Chain Finance with Leakage Free Two Stage XGBoost, KAN (Kolmogorov Arnold Networks), and Ensemble Models

    Feb 16, 2026Pavel Koptev, Vishnu Kumar, Konstantin Malkov +2Financial ServicesFinancial Forecasting

    AI1 Technologies · The Interface Financial Group

  9. DeXposure-FM: A Time-series, Graph Foundation Model for Credit Exposures and Stability on Decentralized Financial Networks

    Feb 3, 2026Aijie Shu, Wenbin Wu, Gbenga Ibikunle +1Financial ServicesDecentralized Finance

    School of Informatics, University of Edinburgh, United Kingdom · Cambridge Centre for Alternative Finance, Judge Business School, University of Cambridge, United Kingdom · Business School, University of Edinburgh, United Kingdom +1

  10. BizFinBench.v2: Towards Reliable LLMs in Finance via Real-User Data and Offline/Online Bilingual Evaluation

    Jan 10, 2026Xin Guo, Rongjunchen Zhang, Guilong Lu +4Financial ServicesMultilingual Language Model Evaluation

    HiThink Research · Shanghai University of Finance and Economics

  11. Generative AI for Analysts

    Dec 12, 2025Jian Xue, Qian Zhang, Wu ZhuFinancial ServicesFinancial Forecasting

    School of Economics and Management, Tsinghua University · School of Management, Xiamen University

  12. TxSum: User-Centered Ethereum Transaction Understanding with Micro-Level Semantic Grounding

    Dec 7, 2025Zifan Peng, Jingyi Zheng, Yule Liu +8Financial ServicesGrounded Text Generation

    1Hong Kong University of Science and Technology (Guangzhou) · 3Independent Researcher · University of North Texas +2

  13. Integrated Multivariate Segmentation Tree for Heterogeneous Credit Data Analysis in Small- and Medium-Sized Enterprises

    Aug 30, 2025Lu Han, Xiuying WangFinancial ServicesInterpretable ML

    School of Management Science and Engineering, Central University of Finance and Economics, Beijing 100081, China · School of Computer Science, University of Sydney, NSW 2006, Australia

  14. MASCA: LLM based-Multi Agents System for Credit Assessment

    Jul 30, 2025Gautam Jajoo, Atharva Pandey, Pranjal A Chitale +1Financial ServicesMulti-Agent LLM Systems

    Kairosity · Microsoft Research · Independent Author

  15. Engineering Carbon Credits Towards A Responsible FinTech Era: The Practices, Implications, and Future

    Dec 22, 2024Qingwen Zeng, Hanlin Xu, Nanjun Xu +5Financial Services

    School of Electrical and Computer Engineering The University of Sydney CamperdownNSW 2006 Australia. · Adelaide Business School The University of Adelaide AdelaideSA 5005 Australia. · The University of Sydney Business School The University of Sydney CamperdownNSW 2006 Australia. +1

  16. A Distributionally Robust Optimisation Approach to Fair Credit Scoring

    Feb 2, 2024Pablo Casas, Huan Yu, Christophe MuesDistribution Shift RobustnessFinancial Services

    Southampton Business School, University of Southampton, Southampton, SO16 7QF, United Kingdom