The adoption of artificial intelligence (AI) offers transformative potential for small and medium-sized enterprises (SMEs), particularly in enhancing financial decision-making processes. However, SMEs often face significant barriers to implementing AI technologies, including limited resources, technical expertise, and data management capabilities. This paper presents a conceptual model for the adoption of AI in financial decision-making for SMEs. The proposed model addresses key challenges faced by SMEs, including limited resources, technical expertise, and data management capabilities. The model is structured into layers: data sources, data processing and integration, AI model deployment, decision support and automation, and validation and risk management. By implementing AI incrementally, SMEs can optimize financial forecasting, budgeting, investment strategies, and risk management. This paper highlights the importance of data quality and continuous model validation, providing a practical roadmap for SMEs to integrate AI into their financial operations. The study concludes with implications for SMEs adopting AI-driven financial processes and suggests areas for future research in AI applications for SME finance.

We propose NeuroLingua, a language - inspired framework that conceptualizes sleep as a structured physiological language. Each 30 - second epoch is decomposed into overlapping 3 - second subwindows ("tokens") using a CNN - based tokenizer, enabling hierarchical temporal modeling through dual - level Transformers: intra - segment encoding of local dependencies and inter - segment integration across seven consecutive epochs (3.5 minutes) for extended context. Modality - specific embeddings from EEG and EOG channels are fused via a Graph Convolutional Network, facilitating robust multimodal integration. NeuroLingua is evaluated on the Sleep - EDF Expanded and ISRUC - Sleep datasets, achieving state - of - the - art results on Sleep - EDF (85.3% accuracy, 0.800 macro F1, and 0.796 Cohen's κ), and competitive performance on ISRUC (81.9% accuracy, 0.802 macro F1, and 0.755 κ), matching or exceeding published baselines in overall and per - class metrics. The architecture's attentio n mechanisms enhance the detection of clinically relevant sleep microevents, providing a principled foundation for future interpretability, explainability and causal inference in sleep research. By framing sleep as a compositional language, NeuroLingua uni fies hierarchical sequence modeling and multimodal fusion, advancing automated sleep staging toward more transparent and clinically meaningful applications. Index Terms -- Sleep staging, EEG, EOG, Polysomnography, Deep learning, Hierarchical sequence modeling, Multimodal fusion, Transformers, Graph neural networks, Interpretability, Explainability, Causal inference.

Normalization is a key point in transformer training . In Dynamic Tanh (DyT), the author demonstrated that Tanh can be used as an alternative layer normalization (LN) and confirmed the effectiveness of the idea. But Tanh itself faces orthogonality, linearity and distortion problems. Due to that, his proposition cannot be reliable. So we propose a Holonorm (hn) which has residual connections and nonlinearity. Holonorm is suitable for replacing Tanh in the context of normalization. Although the HoloNorm expression could be similar to the softsign function in dimension one, softsign is a componentwise function which is not good for tensors and vectors of great dimension. Holonorm preserves the orthogonality, the direction, the invertibility of the signal. Holonorm is also a suitable metric, maps all vectors into the open unit ball. This prevents exploding activations and improves stability in deep Transformer models. In this work, we have meticulously examined the normalization in transformers and say that Holonorm, a generalized form of softsign function suited as a normalization function first.Second, defined between 0 and 1 hn serves as a percentage, and $1 - \text{Holonorm}$ is its complement, making it better understandable in evaluating a model.

City leaders face critical decisions regarding budget allocation and investment priorities. How can they identify which city districts require revitalization? To address this challenge, a Current Vitality Index and a Long-Term Vitality Index are proposed. These indexes are based on a carefully curated set of indicators. Missing data is handled using K-Nearest Neighbors imputation, while Random Forest is employed to identify the most reliable and significant features. Additionally, k-means clustering is utilized to generate meaningful data groupings for enhanced monitoring of Long-Term Vitality. Current vitality is visualized through an interactive map, while Long-Term Vitality is tracked over 15 years with predictions made using Multilayer Perceptron or Linear Regression. The results, approved by urban planners, are already promising and helpful, with the potential for further improvement as more data becomes available. This paper proposes leveraging machine learning methods to optimize urban planning and enhance citizens' quality of life.

Continuous, adaptive learning--the ability to adapt to the environment and improve performance--is a hallmark of both natural and artificial intelligence. Biological organisms excel in acquiring, transferring, and retaining knowledge while adapting to dynamic environments, making them a rich source of inspiration for artificial neural networks (ANNs). This study explores how neuromodulation, a fundamental feature of biological learning systems, can help address challenges such as catastrophic forgetting and enhance the robustness of ANNs in continuous learning scenarios. Driven by neuromodulators including dopamine (DA), acetylcholine (ACh), serotonin (5-HT) and noradrenaline (NA), neuromodulatory processes in the brain operate at multiple scales, facilitating dynamic responses to environmental changes through mechanisms ranging from local synaptic plasticity to global network-wide adaptability. Importantly, the relationship between neuromodulators, and their interplay in the modulation of sensory and cognitive processes are more complex than expected, demonstrating a "many-to-one" neuromodulator-to-task mapping. To inspire the design of novel neuromodulation-aware learning rules, we highlight (i) how multineuromodulatory interactions enrich single-neuromodulator-driven learning, (ii) the impact of neuromodulators across multiple spatial and temporal scales, and correspondingly, (iii) strategies for approximating and integrating neuromodulated learning processes in ANNs. To illustrate these principles, we present a case study to demonstrate how neuromodulation-inspired mechanisms, such as DA-driven reward processing and NA-based cognitive flexibility, can enhance ANN performance in a Go/No-Go task. By integrating multi-scale neuromodulation, we aim to bridge the gap between biological learning and artificial systems, paving the way for ANNs with greater flexibility, robustness, and adaptability.

In this paper, we generalize the Pearl and Neyman-Rubin methodologies in causal inference by introducing a generalized approach that incorporates fuzzy logic. Indeed, we introduce a fuzzy causal inference approach that consider both the vagueness and imprecision inherent in data, as well as the subjective human perspective characterized by fuzzy terms such as 'high', 'medium', and 'low'. To do so, we introduce two fuzzy causal effect formulas: the Fuzzy Average Treatment Effect (FATE) and the Generalized Fuzzy Average Treatment Effect (GFATE), together with their normalized versions: NFATE and NGFATE. When dealing with a binary treatment variable, our fuzzy causal effect formulas coincide with classical Average Treatment Effect (ATE) formula, that is a well-established and popular metric in causal inference. In FATE, all values of the treatment variable are considered equally important. In contrast, GFATE takes into account the rarity and frequency of these values. We show that for linear Structural Equation Models (SEMs), the normalized versions of our formulas, NFATE and NGFATE, are equivalent to ATE. Further, we provide identifiability criteria for these formulas and show their stability with respect to minor variations in the fuzzy subsets and the probability distributions involved. This ensures the robustness of our approach in handling small perturbations in the data. Finally, we provide several experimental examples to empirically validate and demonstrate the practical application of our proposed fuzzy causal inference methods.

Generative artificial intelligence (AI) technologies and large models are producing realistic outputs across various domains, such as images, text, speech, and music. Creating these advanced generative models requires significant resources, particularly large and high-quality datasets. To minimize training expenses, many algorithm developers use data created by the models themselves as a cost-effective training solution. However, not all synthetic data effectively improve model performance, necessitating a strategic balance in the use of real versus synthetic data to optimize outcomes. Currently, the previously well-controlled integration of real and synthetic data is becoming uncontrollable. The widespread and unregulated dissemination of synthetic data online leads to the contamination of datasets traditionally compiled through web scraping, now mixed with unlabeled synthetic data. This trend portends a future where generative AI systems may increasingly rely blindly on consuming self-generated data, raising concerns about model performance and ethical issues. What will happen if generative AI continuously consumes itself without discernment? What measures can we take to mitigate the potential adverse effects? There is a significant gap in the scientific literature regarding the impact of synthetic data use in generative AI, particularly in terms of the fusion of multimodal information. To address this research gap, this review investigates the consequences of integrating synthetic data blindly on training generative AI on both image and text modalities and explores strategies to mitigate these effects. The goal is to offer a comprehensive view of synthetic data's role, advocating for a balanced approach to its use and exploring practices that promote the sustainable development of generative AI technologies in the era of large models.

Let $X$ and $Z$ be random vectors, and $Y=g(X,Z)$. In this paper, on the one hand, for the case that $X$ and $Z$ are continuous, by using the ideas from the total variation and the flux of $g$, we develop a point of view in causal inference capable of dealing with a broad domain of causal problems. Indeed, we focus on a function, called Probabilistic Easy Variational Causal Effect (PEACE), which can measure the direct causal effect of $X$ on $Y$ with respect to continuously and interventionally changing the values of $X$ while keeping the value of $Z$ constant. PEACE is a function of $d\ge 0$, which is a degree managing the strengths of probability density values $f(x|z)$. On the other hand, we generalize the above idea for the discrete case and show its compatibility with the continuous case. Further, we investigate some properties of PEACE using measure theoretical concepts. Furthermore, we provide some identifiability criteria and several examples showing the generic capability of PEACE. We note that PEACE can deal with the causal problems for which micro-level or just macro-level changes in the value of the input variables are important. Finally, PEACE is stable under small changes in $\partial g_{in}/\partial x$ and the joint distribution of $X$ and $Z$, where $g_{in}$ is obtained from $g$ by removing all functional relationships defining $X$ and $Z$.

Image Classification is a fundamental task in the field of computer vision that frequently serves as a benchmark for gauging advancements in Computer Vision. Over the past few years, significant progress has been made in image classification due to the emergence of deep learning. However, challenges still exist, such as modeling fine-grained visual information, high computation costs, the parallelism of the model, and inconsistent evaluation protocols across datasets. In this paper, we conduct a comprehensive survey of existing papers on Vision Transformers for image classification. We first introduce the popular image classification datasets that influenced the design of models. Then, we present Vision Transformers models in chronological order, starting with early attempts at adapting attention mechanism to vision tasks followed by the adoption of vision transformers, as they have demonstrated success in capturing intricate patterns and long-range dependencies within images. Finally, we discuss open problems and shed light on opportunities for image classification to facilitate new research ideas.

Gesture recognition using low-resolution instantaneous HD-sEMG images opens up new avenues for the development of more fluid and natural muscle-computer interfaces. However, the data variability between inter-session and inter-subject scenarios presents a great challenge. The existing approaches employed very large and complex deep ConvNet or 2SRNN-based domain adaptation methods to approximate the distribution shift caused by these inter-session and inter-subject data variability. Hence, these methods also require learning over millions of training parameters and a large pre-trained and target domain dataset in both the pre-training and adaptation stages. As a result, it makes high-end resource-bounded and computationally very expensive for deployment in real-time applications. To overcome this problem, we propose a lightweight All-ConvNet+TL model that leverages lightweight All-ConvNet and transfer learning (TL) for the enhancement of inter-session and inter-subject gesture recognition performance. The All-ConvNet+TL model consists solely of convolutional layers, a simple yet efficient framework for learning invariant and discriminative representations to address the distribution shifts caused by inter-session and inter-subject data variability. Experiments on four datasets demonstrate that our proposed methods outperform the most complex existing approaches by a large margin and achieve state-of-the-art results on inter-session and inter-subject scenarios and perform on par or competitively on intra-session gesture recognition. These performance gaps increase even more when a tiny amount (e.g., a single trial) of data is available on the target domain for adaptation. These outstanding experimental results provide evidence that the current state-of-the-art models may be overparameterized for sEMG-based inter-session and inter-subject gesture recognition tasks.