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Conditional Generative Modeling for Enhanced Credit Risk Management in Supply Chain Finance

arXiv.org Artificial Intelligence

The rapid expansion of cross-border e-commerce (CBEC) has created significant opportunities for small- and medium-sized sellers, yet financing remains a critical challenge due to their limited credit histories. Third-party logistics (3PL)-led supply chain finance (SCF) has emerged as a promising solution, leveraging in-transit inventory as collateral. We propose an advanced credit risk management framework tailored for 3PL-led SCF, addressing the dual challenges of credit risk assessment and loan size determination. Specifically, we leverage conditional generative modeling of sales distributions through Quantile-Regression-based Generative Metamodeling (QRGMM) as the foundation for risk measures estimation. We propose a unified framework that enables flexible estimation of multiple risk measures while introducing a functional risk measure formulation that systematically captures the relationship between these risk measures and varying loan levels, supported by theoretical guarantees. To capture complex covariate interactions in e-commerce sales data, we integrate QRGMM with Deep Factorization Machines (DeepFM). Extensive experiments on synthetic and real-world data validate the efficacy of our model for credit risk assessment and loan size determination. This study explores the use of generative models in CBEC SCF risk management, illustrating their potential to strengthen credit assessment and support financing for small- and medium-sized sellers.


Variational Supervised Contrastive Learning

arXiv.org Artificial Intelligence

Contrastive learning has proven to be highly efficient and adaptable in shaping representation spaces across diverse modalities by pulling similar samples together and pushing dissimilar ones apart. However, two key limitations persist: (1) Without explicit regulation of the embedding distribution, semantically related instances can inadvertently be pushed apart unless complementary signals guide pair selection, and (2) excessive reliance on large in-batch negatives and tailored augmentations hinders generalization. To address these limitations, we propose Variational Supervised Contrastive Learning (VarCon), which reformulates supervised contrastive learning as variational inference over latent class variables and maximizes a posterior-weighted evidence lower bound (ELBO) that replaces exhaustive pair-wise comparisons for efficient class-aware matching and grants fine-grained control over intra-class dispersion in the embedding space. Trained exclusively on image data, our experiments on CIFAR-10, CIFAR-100, ImageNet-100, and ImageNet-1K show that VarCon (1) achieves state-of-the-art performance for contrastive learning frameworks, reaching 79.36% Top-1 accuracy on ImageNet-1K and 78.29% on CIFAR-100 with a ResNet-50 encoder while converging in just 200 epochs; (2) yields substantially clearer decision boundaries and semantic organization in the embedding space, as evidenced by KNN classification, hierarchical clustering results, and transfer-learning assessments; and (3) demonstrates superior performance in few-shot learning than supervised baseline and superior robustness across various augmentation strategies. Our code is available at https://github.com/ziwenwang28/VarContrast.


Real-Time Execution of Action Chunking Flow Policies

arXiv.org Artificial Intelligence

Modern AI systems, especially those interacting with the physical world, increasingly require real-time performance. However, the high latency of state-of-the-art generalist models, including recent vision-language action models (VLAs), poses a significant challenge. While action chunking has enabled temporal consistency in high-frequency control tasks, it does not fully address the latency problem, leading to pauses or out-of-distribution jerky movements at chunk boundaries. This paper presents a novel inference-time algorithm that enables smooth asynchronous execution of action chunking policies. Our method, real-time chunking (RTC), is applicable to any diffusion- or flow-based VLA out of the box with no re-training. It generates the next action chunk while executing the current one, "freezing" actions guaranteed to execute and "inpainting" the rest. To test RTC, we introduce a new benchmark of 12 highly dynamic tasks in the Kinetix simulator, as well as evaluate 6 challenging real-world bimanual manipulation tasks. Results demonstrate that RTC is fast, performant, and uniquely robust to inference delay, significantly improving task throughput and enabling high success rates in precise tasks $\unicode{x2013}$ such as lighting a match $\unicode{x2013}$ even in the presence of significant latency. See https://pi.website/research/real_time_chunking for videos.


GEX: Democratizing Dexterity with Fully-Actuated Dexterous Hand and Exoskeleton Glove

arXiv.org Artificial Intelligence

Abstract--This paper introduces GEX, an innovative low-cost dexterous manipulation system that combines the GX11 tri-finger anthropomorphic hand (11 DoF) with the EX12 tri-finger exoskeleton glove (12 DoF), forming a closed-loop teleopera-tion framework through kinematic retargeting for high-fidelity control. Both components employ modular 3D-printed finger designs, achieving ultra-low manufacturing costs while maintaining full actuation capabilities. This full-actuation architecture enables precise bidirectional kinematic calculations, substantially enhancing kinematic retargeting fidelity between the exoskeleton and robotic hand. The proposed system bridges the cost-performance gap in dexterous manipulation research, providing an accessible platform for acquiring high-quality demonstration data to advance embodied AI and dexterous robotic skill transfer learning. Hand dexterity is fundamental to human cognition, enabling active manipulation, tool use, and the way we learn from our environment.


Hierarchical Mamba Meets Hyperbolic Geometry: A New Paradigm for Structured Language Embeddings

arXiv.org Artificial Intelligence

Selective state-space models excel at long-sequence modeling, but their capacity for language representation -- in complex hierarchical reasoning -- remains underexplored. Most large language models rely on \textit{flat} Euclidean embeddings, limiting their ability to capture latent hierarchies. To address this, we propose {\it Hierarchical Mamba (HiM)}, integrating efficient Mamba2 with hyperbolic geometry to learn hierarchy-aware language embeddings for deeper linguistic understanding. Mamba2-processed sequences are projected to the Poincarรฉ ball or Lorentzian manifold with ``learnable'' curvature, optimized with a hyperbolic loss. Our HiM model facilitates the capture of relational distances across varying hierarchical levels, enabling effective long-range reasoning for tasks like mixed-hop prediction and multi-hop inference in hierarchical classification. Experimental results show both HiM variants effectively capture hierarchical relationships across four linguistic and medical datasets, surpassing Euclidean baselines, with HiM-Poincarรฉ providing fine-grained distinctions with higher h-norms, while HiM-Lorentz offers more stable, compact, and hierarchy-preserving embeddings-favoring robustness. The source code is publicly available at https://github.com/BerryByte/HiM.


SAE-SSV: Supervised Steering in Sparse Representation Spaces for Reliable Control of Language Models

arXiv.org Artificial Intelligence

Large language models (LLMs) have demonstrated impressive capabilities in natural language understanding and generation, but controlling their behavior reliably remains challenging, especially in open-ended generation settings. This paper introduces a novel supervised steering approach that operates in sparse, interpretable representation spaces. We employ sparse autoencoders (SAEs) to obtain sparse latent representations that aim to disentangle semantic attributes from model activations. Then we train linear classifiers to identify a small subspace of task-relevant dimensions in latent representations. Finally, we learn supervised steering vectors constrained to this subspace, optimized to align with target behaviors. Experiments across sentiment, truthfulness, and political polarity steering tasks with multiple LLMs demonstrate that our supervised steering vectors achieve higher success rates with minimal degradation in generation quality compared to existing methods. Further analysis reveals that a notably small subspace is sufficient for effective steering, enabling more targeted and interpretable interventions. Our implementation is publicly available at https://github.com/Ineedanamehere/SAE-SSV.


Enhancing SPARQL Query Rewriting for Complex Ontology Alignments

arXiv.org Artificial Intelligence

SPARQL query rewriting is a fundamental mechanism for uniformly querying heterogeneous ontologies in the Linked Data Web. However, the complexity of ontology alignments, particularly rich correspondences (c: c), makes this process challenging. Existing approaches primarily focus on simple (s: s) and par tially complex (s: c) alignments, thereby overlooking the challenges posed by more expressive alignments. Moreover, the intricate syntax of SPARQL presents a barrier for non - expert users seeking to fully exploit the knowledge encapsulated in ontologies. T his article proposes an innovative approach for the automatic rewriting of SPARQL queries from a source ontology to a target ontology, based on a user's need expressed in natural language. It leverages the principles of equivalence transitivity as well as the advanced capabilities of large language models such as GPT - 4 . By integrating these elements, this approach stands out for its ability to efficiently handle complex alignments, particularly (c: c) correspondences, by fully exploiting their expressivene ss. Additionally, it facilitates access to aligned ontologies for users unfamiliar with SPARQL, providing a flexible solution for querying heterogeneous data. I n the Linked Data Web, aligned ontologies play a crucial role in facilitating interoperability between different data sources.


Exploring Ordinal Bias in Action Recognition for Instructional Videos

arXiv.org Artificial Intelligence

Action recognition models have achieved promising results in understanding instructional videos. However, they often rely on dominant, dataset-specific action sequences rather than true video comprehension, a problem that we define as ordinal bias. To address this issue, we propose two effective video manipulation methods: Action Masking, which masks frames of frequently co-occurring actions, and Sequence Shuffling, which randomizes the order of action segments. Through comprehensive experiments, we demonstrate that current models exhibit significant performance drops when confronted with nonstandard action sequences, underscoring their vulnerability to ordinal bias. Our findings emphasize the importance of rethinking evaluation strategies and developing models capable of generalizing beyond fixed action patterns in diverse instructional videos. Due to the dominant action pair'Take-Background', the model fails to predict the action'Open.' Action recognition in instructional videos has witnessed remarkable progress, primarily driven by models that excel in curated benchmark datasets (Farha & Gall, 2019; Ishikawa et al., 2021; Li et al., 2020; Yi et al., 2021).


A Trustworthy By Design Classification Model for Building Energy Retrofit Decision Support

arXiv.org Artificial Intelligence

Improving energy efficiency in residential buildings is critical to combating climate change and reducing greenhouse gas emissions. Retrofitting existing buildings, which contribute a significant share of energy use, is therefore a key priority, especially in regions with outdated building stock. Artificial Intelligence (AI) and Machine Learning (ML) can automate retrofit decision-making and find retrofit strategies. However, their use faces challenges of data availability, model transparency, and compliance with national and EU AI regulations including the AI act, ethics guidelines and the ALTAI. This paper presents a trustworthy-by-design ML-based decision support framework that recommends energy efficiency strategies for residential buildings using minimal user-accessible inputs. The framework merges Conditional Tabular Generative Adversarial Networks (CTGAN) to augment limited and imbalanced data with a neural network-based multi-label classifier that predicts potential combinations of retrofit actions. To support explanation and trustworthiness, an Explainable AI (XAI) layer using SHapley Additive exPlanations (SHAP) clarifies the rationale behind recommendations and guides feature engineering. Two case studies validate performance and generalization: the first leveraging a well-established, large EPC dataset for England and Wales; the second using a small, imbalanced post-retrofit dataset from Latvia (RETROFIT-LAT). Results show that the framework can handle diverse data conditions and improve performance up to 53% compared to the baseline. Overall, the proposed framework provides a feasible, interpretable, and trustworthy AI system for building retrofit decision support through assured performance, usability, and transparency to aid stakeholders in prioritizing effective energy investments and support regulation-compliant, data-driven innovation in sustainable energy transition.


Point-PNG: Conditional Pseudo-Negatives Generation for Point Cloud Pre-Training

arXiv.org Artificial Intelligence

We propose Point-PNG, a novel self-supervised learning framework that generates conditional pseudo-negatives in the latent space to learn point cloud representations that are both discriminative and transformation-sensitive. Conventional self-supervised learning methods focus on achieving invariance, discarding transformation-specific information. Recent approaches incorporate transformation sensitivity by explicitly modeling relationships between original and transformed inputs. However, they often suffer from an invariant-collapse phenomenon, where the predictor degenerates into identity mappings, resulting in latent representations with limited variation across transformations. To address this, we propose Point-PNG that explicitly penalizes invariant collapse through pseudo-negatives generation, enabling the network to capture richer transformation cues while preserving discriminative representations. To this end, we introduce a parametric network, COnditional Pseudo-Negatives Embedding (COPE), which learns localized displacements induced by transformations within the latent space. A key challenge arises when jointly training COPE with the MAE, as it tends to converge to trivial identity mappings. To overcome this, we design a loss function based on pseudo-negatives conditioned on the transformation, which penalizes such trivial invariant solutions and enforces meaningful representation learning. We validate Point-PNG on shape classification and relative pose estimation tasks, showing competitive performance on ModelNet40 and ScanObjectNN under challenging evaluation protocols, and achieving superior accuracy in relative pose estimation compared to supervised baselines.