This systematic literature review examines the role of machine learning in fraud detection within digital banking, synthesizing evidence from 118 peer-reviewed studies and institutional reports. Following the PRISMA guidelines, the review applied a structured identification, screening, eligibility, and inclusion process to ensure methodological rigor and transparency. The findings reveal that supervised learning methods, such as decision trees, logistic regression, and support vector machines, remain the dominant paradigm due to their interpretability and established performance, while unsupervised anomaly detection approaches are increasingly adopted to address novel fraud patterns in highly imbalanced datasets. Deep learning architectures, particularly recurrent and convolutional neural networks, have emerged as transformative tools capable of modeling sequential transaction data and detecting complex fraud typologies, though challenges of interpretability and real-time deployment persist. Hybrid models that combine supervised, unsupervised, and deep learning strategies demonstrate superior adaptability and detection accuracy, highlighting their potential as convergent solutions.

In the era of pervasive cyber threats and exponential growth in digital services, the inadequacy of single-factor authentication has become increasingly evident. Multi-Factor Authentication (MFA), which combines knowledge-based factors (passwords, PINs), possession-based factors (smart cards, tokens), and inherence-based factors (biometric traits), has emerged as a robust defense mechanism. Recent breakthroughs in deep learning have transformed the capabilities of biometric systems, enabling higher accuracy, resilience to spoofing, and seamless integration with hardware-based solutions. At the same time, smart card technologies have evolved to include on-chip biometric verification, cryptographic processing, and secure storage, thereby enabling compact and secure multi-factor devices. This survey presents a comprehensive synthesis of recent work (2019-2025) at the intersection of deep learning, biometrics, and smart card technologies for MFA. We analyze biometric modalities (face, fingerprint, iris, voice), review hardware-based approaches (smart cards, NFC, TPMs, secure enclaves), and highlight integration strategies for real-world applications such as digital banking, healthcare IoT, and critical infrastructure. Furthermore, we discuss the major challenges that remain open, including usability-security tradeoffs, adversarial attacks on deep learning models, privacy concerns surrounding biometric data, and the need for standardization in MFA deployment. By consolidating current advancements, limitations, and research opportunities, this survey provides a roadmap for designing secure, scalable, and user-friendly authentication frameworks.

Large language models (LLMs) are solidifying their position in the modern world as effective tools for the automatic generation of text. Their use is quickly becoming commonplace in fields such as education, healthcare, and scientific research. There is a growing need to study the linguistic features present in AI-generated text, as the increasing presence of such texts has profound implications in various disciplines such as corpus linguistics, computational linguistics, and natural language processing. Many observations have already been made, however a broader synthesis of the findings made so far is required to provide a better understanding of the topic. The present survey paper aims to provide such a synthesis of extant research. We categorize the existing works along several dimensions, including the levels of linguistic description, the models included, the genres analyzed, the languages analyzed, and the approach to prompting. Additionally, the same scheme is used to present the findings made so far and expose the current trends followed by researchers. Among the most-often reported findings is the observation that AI-generated text is more likely to contain a more formal and impersonal style, signaled by the increased presence of nouns, determiners, and adpositions and the lower reliance on adjectives and adverbs. AI-generated text is also more likely to feature a lower lexical diversity, a smaller vocabulary size, and repetitive text. Current research, however, remains heavily concentrated on English data and mostly on text generated by the GPT model family, highlighting the need for broader cross-linguistic and cross-model investigation. In most cases authors also fail to address the issue of prompt sensitivity, leaving much room for future studies that employ multiple prompt wordings in the text generation phase.

The increasing volume of academic literature makes it essential for researchers to organize, compare, and contrast collections of documents. Large language models (LLMs) can support this process by generating schemas defining shared aspects along which to compare papers. However, progress on schema generation has been slow due to: (i) ambiguity in reference-based evaluations, and (ii) lack of editing/refinement methods. Our work is the first to address both issues. First, we present an approach for augmenting unannotated table corpora with \emph{synthesized intents}, and apply it to create a dataset for studying schema generation conditioned on a given information need, thus reducing ambiguity. With this dataset, we show how incorporating table intents significantly improves baseline performance in reconstructing reference schemas. We start by comprehensively benchmarking several single-shot schema generation methods, including prompted LLM workflows and fine-tuned models, showing that smaller, open-weight models can be fine-tuned to be competitive with state-of-the-art prompted LLMs. Next, we propose several LLM-based schema refinement techniques and show that these can further improve schemas generated by these methods.

Recent advances in large language models (LLMs) have sparked growing interest in integrating language-driven techniques into trajectory prediction. By leveraging their semantic and reasoning capabilities, LLMs are reshaping how autonomous systems perceive, model, and predict trajectories. This survey provides a comprehensive overview of this emerging field, categorizing recent work into five directions: (1) Trajectory prediction via language modeling paradigms, (2) Direct trajectory prediction with pretrained language models, (3) Language-guided scene understanding for trajectory prediction, (4) Language-driven data generation for trajectory prediction, (5) Language-based reasoning and interpretability for trajectory prediction. For each, we analyze representative methods, highlight core design choices, and identify open challenges. This survey bridges natural language processing and trajectory prediction, offering a unified perspective on how language can enrich trajectory prediction.

In a dynamic landscape where portfolios and environments evolve, maintaining the accuracy of pricing models is critical. To the best of our knowledge, this is the first study to systematically examine concept drift in non-life insurance pricing. We (i) provide an overview of the relevant literature and commonly used methodologies, clarify the distinction between virtual drift and concept drift, and explain their implications for long-run model performance; (ii) review and formalize common performance measures, including the Gini index and deviance loss, and articulate their interpretation; (iii) derive the asymptotic distribution of the Gini index, enabling valid inference and hypothesis testing; and (iv) present a standardized monitoring procedure that indicates when refitting is warranted. We illustrate the framework using a modified real-world portfolio with induced concept drift and discuss practical considerations and pitfalls.

Graphical user interface (GUI) agents autonomously complete tasks across platforms (\eg, Linux) by sequentially decomposing user instructions into action proposals that iteratively interact with visual elements in the evolving environment. However, two main challenges arise: i) planning (\ie, the action proposal sequence) under expansive action space, where selecting an appropriate plan is non-trivial, as many valid ones may exist; ii) accurately grounding actions in complex and high-resolution interfaces, \ie, precisely interacting with visual targets. This paper investigates the aforementioned challenges with our \textbf{G}UI \textbf{T}est-time Scaling \textbf{A}gent, namely GTA1. First, we conduct test-time scaling to select the most appropriate action proposal: at each step, multiple candidate proposals are sampled and evaluated and selected by a judge model. It trades off computation for better decision quality by concurrent sampling. Second, we propose a model that improves grounding of the selected action proposals to its corresponding visual elements. Our key insight is that reinforcement learning (RL) facilitates grounding through inherent objective alignments, rewarding successful clicks on interface elements. Experimentally, GTA1 achieves state-of-the-art performance on both grounding and agent task execution benchmarks. The code and models are released here.

Text-to-video (T2V) generation technology holds potential to transform multiple domains such as education, marketing, entertainment, and assistive technologies for individuals with visual or reading comprehension challenges, by creating coherent visual content from natural language prompts. From its inception, the field has advanced from adversarial models to diffusion-based models, yielding higher-fidelity, temporally consistent outputs. Yet challenges persist, such as alignment, long-range coherence, and computational efficiency. Addressing this evolving landscape, we present a comprehensive survey of text-to-video generative models, tracing their development from early GANs and VAEs to hybrid Diffusion-Transformer (DiT) architectures, detailing how these models work, what limitations they addressed in their predecessors, and why shifts toward new architectural paradigms were necessary to overcome challenges in quality, coherence, and control. We provide a systematic account of the datasets, which the surveyed text-to-video models were trained and evaluated on, and, to support reproducibility and assess the accessibility of training such models, we detail their training configurations, including their hardware specifications, GPU counts, batch sizes, learning rates, optimizers, epochs, and other key hyperparameters. Further, we outline the evaluation metrics commonly used for evaluating such models and present their performance across standard benchmarks, while also discussing the limitations of these metrics and the emerging shift toward more holistic, perception-aligned evaluation strategies. Finally, drawing from our analysis, we outline the current open challenges and propose a few promising future directions, laying out a perspective for future researchers to explore and build upon in advancing T2V research and applications.

Large Reasoning Models (LRMs) often exhibit a tendency for overanalysis in simple tasks, where the models excessively utilize System 2-type, deliberate reasoning, leading to inefficient token generation. Furthermore, these models face challenges in adapting their reasoning capabilities to rapidly changing environments due to the static nature of their pretraining data. To address these issues, advancing Large Language Models (LLMs) for complex reasoning tasks requires innovative approaches that bridge intuitive and deliberate cognitive processes, akin to human cognition's dual-system dynamic. This paper introduces a Multi-Agent System for Deep ReSearch (MARS) enabling seamless integration of System 1's fast, intuitive thinking with System 2's deliberate reasoning within LLMs. MARS strategically integrates multiple external tools, such as Google Search, Google Scholar, and Python Interpreter, to access up-to-date information and execute complex computations, while creating a specialized division of labor where System 1 efficiently processes and summarizes high-volume external information, providing distilled insights that expand System 2's reasoning context without overwhelming its capacity. Furthermore, we propose a multi-agent reinforcement learning framework extending Group Relative Policy Optimization to simultaneously optimize both systems with multi-turn tool interactions, bin-packing optimization, and sample balancing strategies that enhance collaborative efficiency. Extensive experiments demonstrate MARS achieves substantial improvements of 3.86% on the challenging Humanity's Last Exam (HLE) benchmark and an average gain of 8.9% across 7 knowledge-intensive tasks, validating the effectiveness of our dual-system paradigm for complex reasoning in dynamic information environments.

In this paper, our objective is to develop a multi-agent financial system that incorporates simulated trading, a technique extensively utilized by financial professionals. While current LLM-based agent models demonstrate competitive performance, they still exhibit significant deviations from real-world fund companies. A critical distinction lies in the agents' reliance on ``post-reflection'', particularly in response to adverse outcomes, but lack a distinctly human capability: long-term prediction of future trends. Therefore, we introduce QuantAgents, a multi-agent system integrating simulated trading, to comprehensively evaluate various investment strategies and market scenarios without assuming actual risks. Specifically, QuantAgents comprises four agents: a simulated trading analyst, a risk control analyst, a market news analyst, and a manager, who collaborate through several meetings. Moreover, our system incentivizes agents to receive feedback on two fronts: performance in real-world markets and predictive accuracy in simulated trading. Extensive experiments demonstrate that our framework excels across all metrics, yielding an overall return of nearly 300% over the three years (https://quantagents.github.io/).