Multilingual Financial Question Answering

Cross-lingual legal question answering must retrieve statutes across languages while preventing unsupported legal claims. We introduce a bilingual evaluation suite of 231 Vietnamese--English question--answer pairs from Vietnamese labour law. Of these, 75 are additionally annotated for five challenging legal reasoning phenomena. We evaluate a verifier-guided pipeline that decomposes answers into claims, checks citation reachability and entailment, and corrects citation failures and contradictions. We also introduce six automatic diagnostics for faithfulness to retrieved evidence, covering citations, modality, exceptions, procedures, conclusions, and evidential support. Experiments show that learned-sparse retrieval performs poorly for English-to-Vietnamese retrieval (R@5~=~0.032), whereas dense retrieval reaches 0.358 and slightly outperforms hybrid retrieval. Translation placement has no statistically detectable effect on these automatic diagnostics in our controlled comparison and supporting sensitivity analyses. Verifier-guided correction improves citation preservation by $0.022$--$0.034$ at the system level but produces no reliable gains in the remaining dimensions. Human evaluation further shows that the automatic diagnostics do not fully align with human judgements of answer quality.

This paper describes our system for Task2 of the second Multilingual Conversational Speech Language Model (MLC-SLM) Challenge. We adapt Qwen3-Omni-30B-A3B-Instruct with a segment-evidence-aware data and post-training pipeline. A language model converts timestamped ASR into coherent event spans, which are expanded by a boundary margin and cropped from the original recording. We then synthesize complementary semantic MCQs with Qwen3.6-27B and acoustic MCQs with Gemini3.1 Flash-Lite, followed by structural, grounding, answer-consistency, and target-model trainability checks, yielding 359,825 verified MCQs across 21 language and accent variants. A text-only probe partitions the data into weak, text-answerable items used for supervised fine-tuning and strong, audio-dependent items used for reinforcement learning with Group Sequence Policy Optimization (GSPO), stabilized by debiased advantages, sequence-level importance correction, and dynamic filtering. Our system obtains 90.92% accuracy on the final official evaluation set.

This paper details the Eloquence team's approach to Task 2 of the 2nd MLC-SLM challenge at Interspeech 2026, which involves multilingual Multiple-Choice Question Answering (MCQA) across 21 languages. Three approaches are explored. First, we fine-tune Voxtral-Mini-3B via LoRA with cross-lingual data augmentation, ASR transcript augmentation and timestamp-aware audio cropping, achieving 0.72 macro-accuracy on evaluation Phase 2. Second, we apply multimodal in-context learning (ICL) to the frozen Voxtral-24B model to correct a strong label bias, reaching 0.81, our best result. Third, a training-free retrieval system based on a three-layer voice-anchored memory combining acoustic identity, semantic content, and a knowledge graph achieves 0.68. All three systems substantially outperform the official baseline.

We present the IGT system for PolyFiQA Task 2 of the FinMMEval Lab at CLEF 2026, a multilingual financial question answering task over English SEC filings and multilingual news articles (English, Chinese, Japanese, Spanish, Greek) for four companies. Our central observation is that the 344 development questions divide into two families requiring fundamentally different approaches: structured numeric types (R&D ratio, cash flow, capital expenditure) are best answered by direct keyword extraction on filing text, while synthesis types (investment strategy, capital allocation, top-three revenue focuses) require rule-based multilingual news passage selection. A dataset analysis reveals that 17-18 of 19 ground-truth reference answers per synthesis type share an exact evidence label prefix, whose unigram tokens contribute directly to ROUGE-1 overlap. The final system achieves development ROUGE-1 approximately 0.395, a 60% relative improvement over a generic RAG baseline (approximately 0.247), and ranks 3rd of 12 teams on the official test set with ROUGE-1 = 0.3071, Precision = 0.2821, and Recall = 0.4044.

Multilingual retrieval-augmented generation (mRAG) equips large language models with access to globally distributed external knowledge for complex multilingual question answering. Recent approaches either translate retrieved documents into English or the query language to bridge the cross-lingual semantic gap, or decompose a complex query into sub-questions and aggregate the intermediate reasoning process. However, both lines of work suffer from two limitations. First, one-size-fits-all translation alignment, blanket translation discards culturally and linguistically native information unique to the target language, introduces translation noise, and inflates system cost. Second, greedy decomposition and aggregation, uncontrolled decomposition produces redundant sub-questions that compound errors during step-wise reasoning, and the final aggregation over reasoning paths further amplifies these errors. We address both with our method Syfer, a synthesizer-folding framework for multilingual multi-hop question answering that defers translation rather than applying it by default. Syfer first invokes a format-constrained decomposer to produce a sub-question graph in the original language, followed by a decomposition-quality check; when the check passes, sub-questions are answered sequentially under a retrieve-then-answer policy in the target language, and the English translation pathway with bilingual sub-question graph alignment is activated only when the check fails. Experiments across multiple languages show that Syfer attains competitive accuracy while striking a favourable balance between performance and computational cost.

Reliable visual document understanding requires a model to attribute each answer to the evidence regions that support it. Recent benchmarks and systems express this step through a coordinate interface: the model outputs the coordinates of bounding boxes that mark the evidence regions in the document. Under this interface, vision-language models often fail to identify the right regions even when the answer is correct, a failure known as Attribution Hallucination. We present a study that investigates whether this failure is partially limited by what the model can express through coordinates. On a verified bilingual CiteVQA subset, we compare the coordinate interface with a language interface in which the model outputs only text, quoting its evidence verbatim, and a multimodal retriever returns the location of each quote as a page region proposed by a layout parser (tables and figures are quoted through their captions or notes); the comparison is repeated over six open vision-language models. Compared with the coordinate interface, evidence recall rises from at most 8 points to between 26 and 47 and the hallucination rate roughly halves, with little change in answer quality. Building on this comparison, we use the same quote-and-retrieve pipeline as a training scaffold: because region-level evidence labels are expensive to collect for long documents, we introduce a GRPO recipe whose reward is a judge's reading of the gold answer and crops of the retrieved regions, training the model to quote better evidence without any region labels and raising an 8B backbone's strict attributed accuracy from 22.4 to 33.8. These findings indicate a practical path to improve attribution"without a coordinate interface and without costly region-level supervision.

A small language model can receive the governing statutory provision and still answer incorrectly. We test whether fine-tuning on examples containing relevant law improves later use of retrieved law. We curate 2{,}165 bilingual QA records from six Bangladeshi acts and three schedules, then fine-tune Qwen3.5 at 0.8B, 2B, and 4B. Evaluation uses the 2022 and 2023 Bangladesh Bar Council exams in Bangla and machine-translated English, with no retrieval, BM25, or FAISS, scored by strict consistency over three seeded runs. At 0.8B, fine-tuning raises the 2022 English FAISS score from 2 to 34 of 100. Gains at 0.8B and 2B survive paired testing, but the 4B model has no detectable net gain: Bangla improves while several English conditions regress. Fine-tuning also reduces answers that drift from Bangla into mostly English from 44.0--53.2% to 0.2--0.7%, with adjusted $p<.001$ at every scale. Retrieval quality is therefore not the only bottleneck. Small bilingual legal models also differ in how they use supplied law and whether they answer in the requested language. The dataset is publicly available at https://huggingface.co/datasets/momahadi/bangladesh-legal-qa-dataset.

We present DS@GT's submission to FinMMEval 2026 Task 1, a multilingual financial exam question answering benchmark spanning English, Spanish, Greek, Chinese, and Hindi. Financial certification exams such as the CFA, EFPA, and CPA demand structured domain reasoning that standard NLP benchmarks do not capture, and this challenge compounds across languages where retrieval and representation infrastructure is underdeveloped. We build a retrieval-augmented pipeline on LangGraph that detects query language and retrieves semantically relevant exemplars from a 30,209-entry multilingual knowledge base using BGE-M3 embeddings and FAISS indexing. The system then scores answers via Retrieval-Augmented Direct Scoring (RADS), reading next-token log-probabilities over candidate option letters rather than generating free-form output. For low-resource languages, we fuse per-language and cross-lingual retrieval indices using weighted Reciprocal Rank Fusion. Model selection is language-routed: Qwen3-14B for Arabic, Chinese, and Hindi; Qwen2.5-14B for English; and Llama-3.1-8B for Greek, a routing derived from empirical ablations that reveal substantial language-asymmetric performance gaps. Notably, chain-of-thought prompting significantly degrades Greek accuracy (90.7% to 20.9%), and enabling Qwen3's default thinking mode collapses Arabic RADS performance to near-chance levels. Our results indicate that effective multilingual financial reasoning requires language-aware retrieval, model routing, and deliberate scoring strategy selection.

FinMMEval 2026 Task 2 evaluates short-answer financial question answering over multilingual evidence. Each final-test item pairs an English question with financial statements and news in English, Chinese, Japanese, Spanish, and Greek. Participating systems submit one concise answer per item in JSONL format. The final-test set contains 256 items, split evenly between easy and expert tiers; each tier contains four question templates instantiated over 32 company-report groups. Gold answers were withheld during submission, and systems were ranked by macro-averaged item-level ROUGE-1 F1 against organizer-held reference answers. The final leaderboard includes 12 ranked submissions. The strongest systems are closely clustered, with the top four separated by less than one percentage point in ROUGE-1 F1. The submitted system papers document retrieval-augmented generation, cross-lingual evidence handling, structured prompting, answer compression, and validation strategies.

FinMMEval 2026 Task 1 evaluates multilingual financial multiple-choice question answering in English, Chinese, Arabic, and Hindi. The task tests whether systems can select the correct answer to finance questions involving domain terminology, numerical interpretation, and conceptual financial reasoning across languages and scripts. The final-test set contains 800 questions, with 200 questions per language; gold answers were withheld during submission, and each language was ranked independently by accuracy. The final leaderboards contain 13 English, 11 Chinese, 11 Arabic, and 10 Hindi ranked submissions. Top accuracies range from 92.0% in Hindi to 97.5% in English and Arabic, with the same leading teams appearing near the top across all four languages. The documented systems used retrieval augmentation, direct answer-option scoring, language-specific prompting, selective self-consistency, confidence checks, and LLM-based review stages.

Test-time scaling (TTS) reliably improves reasoning in large language models, but whether it transfers to small open vision-language models remains unclear. We examine this on EXAMS-V, a multilingual visual multiple-choice benchmark, comparing self-consistency, describe-then-reason with PRM-guided beam search, and two post-hoc selectors across Qwen2.5-VL-7B-Instruct and Qwen3.5-4B. What matters is the conditions under which TTS runs, not the search or verification machinery. The largest factor is parseability: an early prompt format left many chains reasoning correctly yet never committing to an answer letter, which a standard answer cue and a guided repair step largely remove. A larger decoding budget removes the rest: raising the per-chain token limit from 1k to 2k recovers 3.7 pp, whereas sampling more chains (8 to 16) adds only 0.15 pp. Once chains have room to finish, elaborate methods contribute little: PRM-guided beam search trails plain self-consistency by 0.39 pp at over eight times the cost, and neither a training-free generative critic nor a trained multimodal PRM beats majority vote across both policies. The largest gain comes instead from the policy model itself (+11.4 pp). Our best configuration reaches 84.1% on the held-out ImageCLEF 2026 test split, ranking first on the Visual MCQ leaderboard.

This paper describes team HSA_CORAL's submission to the FinCausal 2026 shared task on extracting cause-effect relations from financial narratives via extractive question answering in English and Spanish. We compare three modeling families: (i) encoder-only token tagging with multilingual BERT, (ii) encoder-decoder generation with multilingual BART, and (iii) decoder-only LLMs (Llama 3.1 and GPT variants) using prompt refinement, few-shot demonstrations, and supervised fine-tuning. Across settings, prompting and few-shot examples yield competitive performance, while supervised fine-tuning provides the largest gains. Our best system, GPT-4.1 Mini fine-tuned on combined English and Spanish training data, achieves a tied highest score on the English subtask (score 4.8140) and ranks third on Spanish (score 4.7753) under the shared task's LLM-as-a-judge metric. Overall, the results highlight the value of task-specific adaptation and multilingual fine-tuning for cross-lingual transfer in financial causality QA.

Multimodal large language models are increasingly capable of complex reasoning, yet their performance often degrades when they must externalize a problem through a tool and then reason over the tool's output, specifically when they rely on visual aids. This gap is especially important because real engineering and scientific workflows often rely on visualization tools for analysis, validation, and decision-making. To study this discrepancy, we introduce VAMPS (Visual-Assisted Mathematical Problem Solving), a benchmark for graph-assisted mathematics. VAMPS contains 1,168 multimodal, bilingual multiple-choice question-answer pairs drawn from Iranian University Entrance Exam algebra and calculus problems and expanded with human-reviewed LLM-generated synthetic variants, all selected so that plotting provides a natural solution strategy by revealing intersections, extrema, asymptotes, etc. Designed for both benchmarking and diagnosis, VAMPS goes beyond prior multimodal benchmarks that primarily evaluate reasoning over fixed visual inputs by testing whether a model can benefit from constructing a useful graph and grounding its answer in the resulting visualization. Overall, we found that across a diverse set of models, direct analytical solving surprisingly outperforms tool-enabled visual solving, even on problems where plotting is a natural strategy.

Although Large Language Models (LLMs) demonstrate excellent capabilities and performance for general reasoning tasks within the general public domain, they may face challenges with culturally grounded knowledge within languages with limited digital and textual data. In this paper, we investigate culturally grounded multiple-choice question answering with the BLEnD benchmark, which consists of a multilingual corpus of 30 languages and covers various socio-cultural domains, such as cuisine, sports, family, etc. We propose a region-aware hybrid retrieval approach that combines BM25 lexical matching and dense semantic similarity with regional weighting heuristics to improve the relevance of the answer. The retrieved documents are used to construct a structured prompt for the Qwen3-14B quantized model with logit-based deterministic answer selection. The experimental results show improvements to cross-lingual stability with the hybrid retrieval approach over pure parametric inference for culturally grounded question answering. However, there are still notable performance gaps between languages with more and less training data. This shows that the limitations of the retrieval augmentation approach are not entirely overcome by the training data imbalance problem.

Financial decision-making in multilingual settings demands accurate numerical reasoning grounded in diverse modalities, yet existing benchmarks largely overlook this high-stakes, real-world challenge, especially for Indic languages. We introduce FinVQA, a benchmark for evaluating financial numerical and multimodal reasoning in multilingual Indic contexts. FinVQA spans English, Hindi, Bengali, Marathi, Gujarati, and Tamil, and comprises 18,900 samples across 14 financial domains. The dataset captures diverse reasoning paradigms under realistic constraints, and is structured across three difficulty levels (easy, moderate, hard) and four question formats: multiple choice, fill-in-the-blank, table matching, and true/false. To address these challenges, we propose FIND, a framework that combines supervised fine-tuning with constraint-aware decoding to promote faithful numerical reasoning, robust multimodal grounding, and structured decision-making. Together, FinVQA and FIND establish a rigorous evaluation and modeling paradigm for high-stakes multilingual multimodal financial reasoning.

We introduce a benchmark dataset for question answering and translation in bilingual Latin and English settings, containing about 7,800 question-answer pairs. The questions are drawn from Latin pedagogical sources, including exams, quizbowl-style trivia, and textbooks ranging from the 1800s to the present. After automated extraction, cleaning, and manual review, the dataset covers a diverse range of question types: knowledge- and skill-based, multihop reasoning, constrained translation, and mixed language pairs. To our knowledge, this is the first QA benchmark centered on Latin. As a case study, we evaluate three large language models -- LLaMa 3, Qwen QwQ, and OpenAI's o3-mini -- finding that all perform worse on skill-oriented questions. Although the reasoning models perform better on scansion and literary-device tasks, they offer limited improvement overall. QwQ performs slightly better on questions asked in Latin, but LLaMa3 and o3-mini are more task dependent. This dataset provides a new resource for assessing model capabilities in a specialized linguistic and cultural domain, and the creation process can be easily adapted for other languages. The dataset is available at: https://github.com/slanglab/RespondeoQA

Multilingual large language models (LLMs) have minimized the fluency gap between languages. This advancement, however, exposes models to the risk of biased behavior, as knowledge and norms may propagate across languages. In this work, we aim to quantify models' inter- and intra-lingual biases, via their ability to answer locale-ambiguous questions. To this end, we present LocQA, a test set containing 2,156 questions in 12 languages, referring to various locale-dependent facts such as laws, dates, and measurements. The questions do not contain indications of the locales they relate to, other than the querying language itself. LLMs' responses to LocQA locale-ambiguous questions thus reveal models' implicit priors. We used LocQA to evaluate 32 models, and detected two types of structural biases. Inter-lingually, we show a global bias towards answers relevant to the US-locale, even when models are asked in languages other than English. Moreover, we discovered that this global bias is exacerbated in models that underwent instruction tuning, compared to their base counterparts. Intra-lingually, we show that when multiple locales are relevant for the same language, models act as demographic probability engines, prioritizing locales with larger populations. Taken together, insights from LocQA may help in shaping LLMs' desired local behavior, and in quantifying the impact of various training phases on different kinds of biases.

Indirectness is a common feature of daily communication, yet is underexplored in NLP research for both low-resource as well as high-resource languages. Indirect Question Answering (IQA) aims at classifying the polarity of indirect answers. In this paper, we present two multilingual corpora for IQA of varying quality that both cover English, Standard German and Bavarian, a German dialect without standard orthography: InQA+, a small high-quality evaluation dataset with hand-annotated labels, and GenIQA, a larger training dataset, that contains artificial data generated by GPT-4o-mini. We find that IQA is a pragmatically hard task that comes with various challenges, based on several experiment variations with multilingual transformer models (mBERT, XLM-R and mDeBERTa). We suggest and employ recommendations to tackle these challenges. Our results reveal low performance, even for English, and severe overfitting. We analyse various factors that influence these results, including label ambiguity, label set and dataset size. We find that the IQA performance is poor in high- (English, German) and low-resource languages (Bavarian) and that it is beneficial to have a large amount of training data. Further, GPT-4o-mini does not possess enough pragmatic understanding to generate high-quality IQA data in any of our tested languages.

Large language models can memorize competing locale-specific facts yet fail to select among them when the locale changes, defaulting instead to a single globally dominant answer. We formalize this as localized knowledge disambiguation and introduce LocalNewsQA, an 18,700-item English-news benchmark that pairs the same question across two locales and scores whether a model actually switches its answer when the locale changes. We also introduce MAPLE, a controlled family of decoder-only models pretrained with document-level geographic metadata (source URL, country, and continent) already present in the training corpus, and compare it to metadata-free controls trained on identical data with the same token budget, architecture, and optimization. In controlled experiments at 1B and 3B, with inference-time metadata fixed, pretraining with metadata in MAPLE produces measurable switching and improves accuracy on questions whose correct answer depends on locale. Ablations and external-benchmark evaluations further suggest that locale-conditioned prediction benefits from geographic provenance learned during pretraining and that these benefits strengthen at larger model sizes.

How can a monolingual English speaker determine whether an automatic translation in French is good enough to be shared? Existing MT error detection and quality estimation (QE) techniques do not address this practical scenario. We introduce AskQE, a question generation and answering framework designed to detect critical MT errors and provide actionable feedback, helping users decide whether to accept or reject MT outputs even without the knowledge of the target language. Using ContraTICO, a dataset of contrastive synthetic MT errors in the COVID-19 domain, we explore design choices for AskQE and develop an optimized version relying on LLaMA-3 70B and entailed facts to guide question generation. We evaluate the resulting system on the BioMQM dataset of naturally occurring MT errors, where AskQE has higher Kendall's Tau correlation and decision accuracy with human ratings compared to other QE metrics.