Voice activity detection (VAD) is a critical component in various applications such as speech recognition, speech enhancement, and hands-free communication systems. With the increasing demand for personalized and context-aware technologies, the need for effective personalized VAD systems has become paramount. In this paper, we present a comparative analysis of Personalized Voice Activity Detection (PVAD) systems to assess their real-world effectiveness. We introduce a comprehensive approach to assess PVAD systems, incorporating various performance metrics such as frame-level and utterance-level error rates, detection latency and accuracy, alongside user-level analysis. Through extensive experimentation and evaluation, we provide a thorough understanding of the strengths and limitations of various PVAD variants. This paper advances the understanding of PVAD technology by offering insights into its efficacy and viability in practical applications using a comprehensive set of metrics.

Causal Inference plays an significant role in explaining the decisions taken by statistical models and artificial intelligence models. Of late, this field started attracting the attention of researchers and practitioners alike. This paper presents a comprehensive survey of 37 papers published during 1992-2023 and concerning the application of causal inference to banking, finance, and insurance. The papers are categorized according to the following families of domains: (i) Banking, (ii) Finance and its subdomains such as corporate finance, governance finance including financial risk and financial policy, financial economics, and Behavioral finance, and (iii) Insurance. Further, the paper covers the primary ingredients of causal inference namely, statistical methods such as Bayesian Causal Network, Granger Causality and jargon used thereof such as counterfactuals. The review also recommends some important directions for future research. In conclusion, we observed that the application of causal inference in the banking and insurance sectors is still in its infancy, and thus more research is possible to turn it into a viable method.