This paper explores the growing impact of AI and NLP in bank marketing, highlighting their evolving roles in enhancing marketing strategies, improving customer engagement, and creating value within this sector. While AI and NLP have been widely studied in general marketing, there is a notable gap in understanding their specific applications and potential within the banking sector. This research addresses this specific gap by providing a systematic review and strategic analysis of AI and NLP applications in bank marketing, focusing on their integration across the customer journey and operational excellence. Employing the PRISMA methodology, this study systematically reviews existing literature to assess the current landscape of AI and NLP in bank marketing. Additionally, it incorporates semantic mapping using Sentence Transformers and UMAP for strategic gap analysis to identify underexplored areas and opportunities for future research. The systematic review reveals limited research specifically focused on NLP applications in bank marketing. The strategic gap analysis identifies key areas where NLP can further enhance marketing strategies, including customer-centric applications like acquisition, retention, and personalized engagement, offering valuable insights for both academic research and practical implementation. This research contributes to the field of bank marketing by mapping the current state of AI and NLP applications and identifying strategic gaps. The findings provide actionable insights for developing NLP-driven growth and innovation frameworks and highlight the role of NLP in improving operational efficiency and regulatory compliance. This work has broader implications for enhancing customer experience, profitability, and innovation in the banking industry.

Artificial Intelligence (AI) has demonstrated significant capabilities in various fields, and in areas such as human-computer interaction (HCI), embodied intelligence, and the design and animation of virtual digital humans, both practitioners and users are increasingly concerned with AI's ability to understand and express emotion. Consequently, the question of whether AI can accurately interpret human emotions remains a critical challenge. To date, two primary classes of AI models have been involved in human emotion analysis: generative models and Multimodal Large Language Models (MLLMs). To assess the emotional capabilities of these two classes of models, this study introduces MEMO-Bench, a comprehensive benchmark consisting of 7,145 portraits, each depicting one of six different emotions, generated by 12 Text-to-Image (T2I) models. Unlike previous works, MEMO-Bench provides a framework for evaluating both T2I models and MLLMs in the context of sentiment analysis. Additionally, a progressive evaluation approach is employed, moving from coarse-grained to fine-grained metrics, to offer a more detailed and comprehensive assessment of the sentiment analysis capabilities of MLLMs. The experimental results demonstrate that existing T2I models are more effective at generating positive emotions than negative ones. Meanwhile, although MLLMs show a certain degree of effectiveness in distinguishing and recognizing human emotions, they fall short of human-level accuracy, particularly in fine-grained emotion analysis. The MEMO-Bench will be made publicly available to support further research in this area.

The extraction of causal information from textual data is crucial in the industry for identifying and mitigating potential failures, enhancing process efficiency, prompting quality improvements, and addressing various operational challenges. This paper presents a study on the development of automated methods for causal information extraction from actual industrial documents in the semiconductor manufacturing industry. The study proposes two types of causal information extraction methods, single-stage sequence tagging (SST) and multi-stage sequence tagging (MST), and evaluates their performance using existing documents from a semiconductor manufacturing company, including presentation slides and FMEA (Failure Mode and Effects Analysis) documents. The study also investigates the effect of representation learning on downstream tasks. The presented case study showcases that the proposed MST methods for extracting causal information from industrial documents are suitable for practical applications, especially for semi structured documents such as FMEAs, with a 93\% F1 score. Additionally, MST achieves a 73\% F1 score on texts extracted from presentation slides. Finally, the study highlights the importance of choosing a language model that is more aligned with the domain and in-domain fine-tuning.

The majority of previous researches addressing multi-lingual IE are limited to zero-shot cross-lingual single-transfer (one-to-one) setting, with high-resource languages predominantly as source training data. As a result, these works provide little understanding and benefit for the realistic goal of developing a multi-lingual IE system that can generalize to as many languages as possible. Our study aims to fill this gap by providing a detailed analysis on Cross-Lingual Multi-Transferability (many-to-many transfer learning), for the recent IE corpora that cover a diverse set of languages. Specifically, we first determine the correlation between single-transfer performance and a wide range of linguistic-based distances. From the obtained insights, a combined language distance metric can be developed that is not only highly correlated but also robust across different tasks and model scales. Next, we investigate the more general zero-shot multi-lingual transfer settings where multiple languages are involved in the training and evaluation processes. Language clustering based on the newly defined distance can provide directions for achieving the optimal cost-performance trade-off in data (languages) selection problem. Finally, a relational-transfer setting is proposed to further incorporate multi-lingual unlabeled data based on adversarial training using the relation induced from the above linguistic distance.

Existing benchmarks often fail to account for linguistic diversity, like language variants of English. In this paper, we share our experiences from our ongoing project of building a sentiment classification benchmark for three variants of English: Australian (en-AU), Indian (en-IN), and British (en-UK) English. Using Google Places reviews, we explore the effects of various sampling techniques based on label semantics, review length, and sentiment proportion and report performances on three fine-tuned BERT-based models. Our initial evaluation reveals significant performance variations influenced by sample characteristics, label semantics, and language variety, highlighting the need for nuanced benchmark design. We offer actionable insights for researchers to create robust benchmarks, emphasising the importance of diverse sampling, careful label definition, and comprehensive evaluation across linguistic varieties.

Natural Language Processing (NLP) operations, such as semantic sentiment analysis and text synthesis, may often impair users' privacy and demand significant on device computational resources. Centralized learning (CL) on the edge offers an alternative energy-efficient approach, yet requires the collection of raw information, which affects the user's privacy. While Federated learning (FL) preserves privacy, it requires high computational energy on board tiny user devices. We introduce split learning (SL) as an energy-efficient alternative, privacy-preserving tiny machine learning (TinyML) scheme and compare it to FL and CL in the presence of Rayleigh fading and additive noise. Our results show that SL reduces processing power and CO2 emissions while maintaining high accuracy, whereas FL offers a balanced compromise between efficiency and privacy. Hence, this study provides insights into deploying energy-efficient, privacy-preserving NLP models on edge devices.

Abstract: This study investigates sentiment patterns within Spanish political party communications on Twitter by employing BETO and RoBERTuito, two pre-trained language models optimized for Spanish text. With a dataset comprising tweets from major Spanish political parties--PSOE, PP, Vox, Podemos, and Ciudadanos--spanning 2019 to 2024, this research analyzes sentiment distributions and explores the relationship between sentiment and party ideology. Results reveal that both models consistently identify a predominant Neutral sentiment across parties, with significant variations in Negative and Positive sentiments that align with ideological distinctions. Vox exhibits higher levels of Negative sentiment, while PSOE demonstrates a relatively high Positive sentiment, supporting the hypothesis that emotional appeals in political messaging reflect ideological stances. This study highlights the utility of pre-trained models in analyzing non-English social media sentiment and underscores the implications of sentiment dynamics in shaping public discourse within a multi-party system. Keywords: Spanish political parties, sentiment analysis, Twitter, BETO, RoBERTuito, political communication, ideology, social media analysis 1. Introduction In the era of digital politics, social media has emerged as a potent platform where public opinion is actively shaped and reflected. For countries like Spain, where a spectrum of political ideologies coexists, understanding the sentiment behind political communications becomes crucial. Sentiment analysis, particularly on platforms like Twitter, serves as a powerful tool to decode public attitudes and the emotional undertones in political party communications (Cambria et al., 2013; Giachanou & Crestani, 2016). By leveraging sentiment analysis, researchers can quantify and interpret political sentiments, thereby offering insights into party strategies and public reactions. In Spain's unique political landscape, where new and traditional parties like Podemos, PSOE, PP, Ciudadanos, and Vox engage vigorously on social media, analyzing sentiment can reveal the underlying strategies each employs. Recent advancements in pre-trained models tailored for the Spanish language, such as BETO and RoBERTuito, offer refined accuracy in detecting nuanced sentiments within Spanish tweets (Pérez et al., 2021).

South Africa and the Democratic Republic of Congo (DRC) present a complex linguistic landscape with languages such as Zulu, Sepedi, Afrikaans, French, English, and Tshiluba (Ciluba), which creates unique challenges for AI-driven translation and sentiment analysis systems due to a lack of accurately labeled data. This study seeks to address these challenges by developing a multilingual lexicon designed for French and Tshiluba, now expanded to include translations in English, Afrikaans, Sepedi, and Zulu. The lexicon enhances cultural relevance in sentiment classification by integrating language-specific sentiment scores. A comprehensive testing corpus is created to support translation and sentiment analysis tasks, with machine learning models such as Random Forest, Support Vector Machine (SVM), Decision Trees, and Gaussian Naive Bayes (GNB) trained to predict sentiment across low resource languages (LRLs). Among them, the Random Forest model performed particularly well, capturing sentiment polarity and handling language-specific nuances effectively. Furthermore, Bidirectional Encoder Representations from Transformers (BERT), a Large Language Model (LLM), is applied to predict context-based sentiment with high accuracy, achieving 99% accuracy and 98% precision, outperforming other models. The BERT predictions were clarified using Explainable AI (XAI), improving transparency and fostering confidence in sentiment classification. Overall, findings demonstrate that the proposed lexicon and machine learning models significantly enhance translation and sentiment analysis for LRLs in South Africa and the DRC, laying a foundation for future AI models that support underrepresented languages, with applications across education, governance, and business in multilingual contexts.

Multimodal Sentiment Analysis (MSA) is an important research area that aims to understand and recognize human sentiment through multiple modalities. The complementary information provided by multimodal fusion promotes better sentiment analysis compared to utilizing only a single modality. Nevertheless, in real-world applications, many unavoidable factors may lead to situations of uncertain modality missing, thus hindering the effectiveness of multimodal modeling and degrading the model's performance. To this end, we propose a Hierarchical Representation Learning Framework (HRLF) for the MSA task under uncertain missing modalities. Specifically, we propose a fine-grained representation factorization module that sufficiently extracts valuable sentiment information by factorizing modality into sentiment-relevant and modality-specific representations through crossmodal translation and sentiment semantic reconstruction. Moreover, a hierarchical mutual information maximization mechanism is introduced to incrementally maximize the mutual information between multi-scale representations to align and reconstruct the high-level semantics in the representations. Ultimately, we propose a hierarchical adversarial learning mechanism that further aligns and adapts the latent distribution of sentiment-relevant representations to produce robust joint multimodal representations. Comprehensive experiments on three datasets demonstrate that HRLF significantly improves MSA performance under uncertain modality missing cases.

The field of Multimodal Sentiment Analysis (MSA) has recently witnessed an emerging direction seeking to tackle the issue of data incompleteness. Recognizing that the language modality typically contains dense sentiment information, we consider it as the dominant modality and present an innovative Language-dominated Noise-resistant Learning Network (LNLN) to achieve robust MSA. The proposed LNLN features a dominant modality correction (DMC) module and dominant modality based multimodal learning (DMML) module, which enhances the model's robustness across various noise scenarios by ensuring the quality of dominant modality representations. Aside from the methodical design, we perform comprehensive experiments under random data missing scenarios, utilizing diverse and meaningful settings on several popular datasets (\textit{e.g.,} MOSI, MOSEI, and SIMS), providing additional uniformity, transparency, and fairness compared to existing evaluations in the literature. Empirically, LNLN consistently outperforms existing baselines, demonstrating superior performance across these challenging and extensive evaluation metrics.