In todays competitive landscape, businesses grapple with customer retention. Churn prediction models, although beneficial, often lack accuracy due to the reliance on a single data source. The intricate nature of human behavior and high dimensional customer data further complicate these efforts. To address these concerns, this paper proposes a multimodal fusion learning model for identifying customer churn risk levels in financial service providers. Our multimodal approach integrates customer sentiments financial literacy (FL) level, and financial behavioral data, enabling more accurate and bias-free churn prediction models. The proposed FL model utilizes a SMOGN COREG supervised model to gauge customer FL levels from their financial data. The baseline churn model applies an ensemble artificial neural network and oversampling techniques to predict churn propensity in high-dimensional financial data. We also incorporate a speech emotion recognition model employing a pre-trained CNN-VGG16 to recognize customer emotions based on pitch, energy, and tone. To integrate these diverse features while retaining unique insights, we introduced late and hybrid fusion techniques that complementary boost coordinated multimodal co learning. Robust metrics were utilized to evaluate the proposed multimodal fusion model and hence the approach validity, including mean average precision and macro-averaged F1 score. Our novel approach demonstrates a marked improvement in churn prediction, achieving a test accuracy of 91.2%, a Mean Average Precision (MAP) score of 66, and a Macro-Averaged F1 score of 54 through the proposed hybrid fusion learning technique compared with late fusion and baseline models. Furthermore, the analysis demonstrates a positive correlation between negative emotions, low FL scores, and high-risk customers.

Reinforcement learning has shown promising results in learning neural network policies for complicated control tasks. However, the lack of formal guarantees about the behavior of such policies remains an impediment to their deployment. We propose a novel method for learning a composition of neural network policies in stochastic environments, along with a formal certificate which guarantees that a specification over the policy's behavior is satisfied with the desired probability. Unlike prior work on verifiable RL, our approach leverages the compositional nature of logical specifications provided in SpectRL, to learn over graphs of probabilistic reach-avoid specifications. The formal guarantees are provided by learning neural network policies together with reach-avoid supermartingales (RASM) for the graph's sub-tasks and then composing them into a global policy. We also derive a tighter lower bound compared to previous work on the probability of reach-avoidance implied by a RASM, which is required to find a compositional policy with an acceptable probabilistic threshold for complex tasks with multiple edge policies. We implement a prototype of our approach and evaluate it on a Stochastic Nine Rooms environment.

The effectiveness of a model is heavily reliant on the quality of the fusion representation of multiple modalities in multimodal sentiment analysis. Moreover, each modality is extracted from raw input and integrated with the rest to construct a multimodal representation. Although previous methods have proposed multimodal representations and achieved promising results, most of them focus on forming positive and negative pairs, neglecting the variation in sentiment scores within the same class. Additionally, they fail to capture the significance of unimodal representations in the fusion vector. To address these limitations, we introduce a framework called Supervised Angular-based Contrastive Learning for Multimodal Sentiment Analysis. This framework aims to enhance discrimination and generalizability of the multimodal representation and overcome biases in the fusion vector's modality. Our experimental results, along with visualizations on two widely used datasets, demonstrate the effectiveness of our approach.

Subgraph matching is a challenging problem with a wide range of applications in database systems, biochemistry, and cognitive science. It involves determining whether a given query graph is present within a larger target graph. Traditional graph-matching algorithms provide precise results but face challenges in large graph instances due to the NP-complete problem, limiting their practical applicability. In contrast, recent neural network-based approximations offer more scalable solutions, but often lack interpretable node correspondences. To address these limitations, this article presents xNeuSM: Explainable Neural Subgraph Matching which introduces Graph Learnable Multi-hop Attention Networks (GLeMA) that adaptively learns the parameters governing the attention factor decay for each node across hops rather than relying on fixed hyperparameters. We provide a theoretical analysis establishing error bounds for GLeMA's approximation of multi-hop attention as a function of the number of hops. Additionally, we prove that learning distinct attention decay factors for each node leads to a correct approximation of multi-hop attention. Empirical evaluation on real-world datasets shows that xNeuSM achieves substantial improvements in prediction accuracy of up to 34% compared to approximate baselines and, notably, at least a seven-fold faster query time than exact algorithms.

Artificial intelligence (AI) has been clearly established as a technology with the potential to revolutionize fields from healthcare to finance - if developed and deployed responsibly. This is the topic of responsible AI, which emphasizes the need to develop trustworthy AI systems that minimize bias, protect privacy, support security, and enhance transparency and accountability. Explainable AI (XAI) has been broadly considered as a building block for responsible AI (RAI), with most of the literature considering it as a solution for improved transparency. This work proposes that XAI and responsible AI are significantly more deeply entwined. In this work, we explore state-of-the-art literature on RAI and XAI technologies. Based on our findings, we demonstrate that XAI can be utilized to ensure fairness, robustness, privacy, security, and transparency in a wide range of contexts. Our findings lead us to conclude that XAI is an essential foundation for every pillar of RAI.

Data heterogeneity presents significant challenges for federated learning (FL). Recently, dataset distillation techniques have been introduced, and performed at the client level, to attempt to mitigate some of these challenges. In this paper, we propose a highly efficient FL dataset distillation framework on the server side, significantly reducing both the computational and communication demands on local devices while enhancing the clients' privacy. Unlike previous strategies that perform dataset distillation on local devices and upload synthetic data to the server, our technique enables the server to leverage prior knowledge from pre-trained deep generative models to synthesize essential data representations from a heterogeneous model architecture. This process allows local devices to train smaller surrogate models while enabling the training of a larger global model on the server, effectively minimizing resource utilization. We substantiate our claim with a theoretical analysis, demonstrating the asymptotic resemblance of the process to the hypothetical ideal of completely centralized training on a heterogeneous dataset. Empirical evidence from our comprehensive experiments indicates our method's superiority, delivering an accuracy enhancement of up to 40% over non-dataset-distillation techniques in highly heterogeneous FL contexts, and surpassing existing dataset-distillation methods by 18%. In addition to the high accuracy, our framework converges faster than the baselines because rather than the server trains on several sets of heterogeneous data distributions, it trains on a multi-modal distribution. Our code is available at https://github.com/FedDG23/FedDG-main.git

It has been generally assumed in the automatic speech recognition (ASR) literature that it is better for models to have access to wider context windows. Yet, many of the potential reasons this might be true in the supervised setting do not necessarily transfer over to the case of unsupervised learning. We investigate how much context is necessary to achieve high-quality pre-trained acoustic models using self-supervised learning. We principally investigate contrastive predictive coding (CPC), which we adapt to be able to precisely control the amount of context visible to the model during training and inference. We find that phone discriminability in the resulting model representations peaks at around 40~ms of preceding context, and that having too much context (beyond around 320 ms) substantially degrades the quality of the representations. Surprisingly, we find that this pattern also transfers to supervised ASR when the pre-trained representations are used as frozen input features. Our results point to potential changes in the design of current upstream architectures to better facilitate a variety of downstream tasks.

The benefits and capabilities of pre-trained language models (LLMs) in current and future innovations are vital to any society. However, introducing and using LLMs comes with biases and discrimination, resulting in concerns about equality, diversity and fairness, and must be addressed. While understanding and acknowledging bias in LLMs and developing mitigation strategies are crucial, the generalised assumptions towards societal needs can result in disadvantages towards under-represented societies and indigenous populations. Furthermore, the ongoing changes to actual and proposed amendments to regulations and laws worldwide also impact research capabilities in tackling the bias problem. This research presents a comprehensive survey synthesising the current trends and limitations in techniques used for identifying and mitigating bias in LLMs, where the overview of methods for tackling bias are grouped into metrics, benchmark datasets, and mitigation strategies. The importance and novelty of this survey are that it explores the perspective of under-represented societies. We argue that current practices tackling the bias problem cannot simply be 'plugged in' to address the needs of under-represented societies. We use examples from New Zealand to present requirements for adopting existing techniques to under-represented societies.

Translations help people understand content written in another language. However, even correct literal translations do not fulfill that goal when people lack the necessary background to understand them. Professional translators incorporate explicitations to explain the missing context by considering cultural differences between source and target audiences. Despite its potential to help users, NLP research on explicitation is limited because of the dearth of adequate evaluation methods. This work introduces techniques for automatically generating explicitations, motivated by WikiExpl: a dataset that we collect from Wikipedia and annotate with human translators. The resulting explicitations are useful as they help answer questions more accurately in a multilingual question answering framework.

Aspect-based Sentiment Analysis (ABSA) is a type of fine-grained sentiment analysis (SA) that identifies aspects and the associated opinions from a given text. In the digital era, ABSA gained increasing popularity and applications in mining opinionated text data to obtain insights and support decisions. ABSA research employs linguistic, statistical, and machine-learning approaches and utilises resources such as labelled datasets, aspect and sentiment lexicons and ontology. By its nature, ABSA is domain-dependent and can be sensitive to the impact of misalignment between the resource and application domains. However, to our knowledge, this topic has not been explored by the existing ABSA literature reviews. In this paper, we present a Systematic Literature Review (SLR) of ABSA studies with a focus on the research application domain, dataset domain, and the research methods to examine their relationships and identify trends over time. Our results suggest a number of potential systemic issues in the ABSA research literature, including the predominance of the ``product/service review'' dataset domain among the majority of studies that did not have a specific research application domain, coupled with the prevalence of dataset-reliant methods such as supervised machine learning. This review makes a number of unique contributions to the ABSA research field: 1) To our knowledge, it is the first SLR that links the research domain, dataset domain, and research method through a systematic perspective; 2) it is one of the largest scoped SLR on ABSA, with 519 eligible studies filtered from 4191 search results without time constraint; and 3) our review methodology adopted an innovative automatic filtering process based on PDF-mining, which enhanced screening quality and reliability. Suggestions and our review limitations are also discussed.