Agentic AI is helping organizations completely reimagine core banking processes and operations from the customer perspective, rather than simply making incremental improvements. Despite years of digitization, organizations capture less than one-third of the value expected from digital investments, according to McKinsey research . That's because most big companies begin with technological capabilities and bolt applications onto them, rather than starting with customer needs and working backward to technology solutions. Not prioritizing the customer can create fragmented solutions; disjointed customer experiences; and ultimately, failed transformations. Organizations that achieve outsized results from AI flip the script. They adopt a "customer-back engineering" mindset, putting customers at the heart of technology transformation.

Verification of model outputs is rapidly emerging as a key primitive for both training and real-world deployment of large language models (LLMs). In practice, this often involves using imperfect LLM judges and reward models since ground truth acquisition can be time-consuming and expensive. We introduce Fully Unsupervised Score Ensembling (FUSE), a method for improving verification quality by ensembling verifiers without access to ground truth correctness labels. The key idea behind FUSE is to control conditional dependencies between verifiers in a manner that improves the unsupervised performance of a class of spectral algorithms from the ensembling literature. Despite requiring zero ground truth labels, FUSE typically matches or improves upon semi-supervised alternatives in test-time scaling experiments with diverse sets of generator models, verifiers, and benchmarks. In particular, we validate our method on both conventional academic benchmarks such as GPQA Diamond and on frontier, unsaturated benchmarks such as Humanity's Last Exam and IMO Shortlist questions.

Recent work has shown that parameterizing and optimizing coordinate transformations using normalizing flows, i.e., invertible neural networks, can significantly accelerate the convergence of spectral approximations. We present the first error estimates for approximating functions using Hermite expansions composed with adaptive coordinate transformations. Our analysis establishes an equivalence principle: approximating a function $f$ in the span of the transformed basis is equivalent to approximating the pullback of $f$ in the span of Hermite functions. This allows us to leverage the classical approximation theory of Hermite expansions to derive error estimates in transformed coordinates in terms of the regularity of the pullback. We present an example demonstrating how a nonlinear coordinate transformation can enhance the convergence of Hermite expansions. Focusing on smooth functions decaying along the real axis, we construct a monotone transport map that aligns the decay of the target function with the Hermite basis. This guarantees spectral convergence rates for the corresponding Hermite expansion. Our analysis provides theoretical insight into the convergence behavior of adaptive Hermite approximations based on normalizing flows, as recently explored in the computational quantum physics literature.

Causal representation learning (CRL) aims to identify the underlying latent variables from high-dimensional observations, even when variables are dependent with each other. We study this problem for latent variables that follow a potentially degenerate Gaussian mixture distribution and that are only observed through the transformation via a piecewise affine mixing function. We provide a series of progressively stronger identifiability results for this challenging setting in which the probability density functions are ill-defined because of the potential degeneracy. For identifiability up to permutation and scaling, we leverage a sparsity regularization on the learned representation. Based on our theoretical results, we propose a two-stage method to estimate the latent variables by enforcing sparsity and Gaussianity in the learned representations. Experiments on synthetic and image data highlight our method's effectiveness in recovering the ground-truth latent variables.

We analyze the score field of a diffusion generative model through a Burgers-type evolution law. For VE diffusion, the heat-evolved data density implies that the score obeys viscous Burgers in one dimension and the corresponding irrotational vector Burgers system in $\R^d$, giving a PDE view of \emph{speciation transitions} as the sharpening of inter-mode interfaces. For any binary decomposition of the noised density into two positive heat solutions, the score separates into a smooth background and a universal $\tanh$ interfacial term determined by the component log-ratio; near a regular binary mode boundary this yields a normal criterion for speciation. In symmetric binary Gaussian mixtures, the criterion recovers the critical diffusion time detected by the midpoint derivative of the score and agrees with the spectral criterion of Biroli, Bonnaire, de~Bortoli, and Mézard (2024). After subtracting the background drift, the inter-mode layer has a local Burgers $\tanh$ profile, which becomes global in the symmetric Gaussian case with width $σ_τ^2/a$. We also quantify exponential amplification of score errors across this layer, show that Burgers dynamics preserves irrotationality, and use a change of variables to reduce the VP-SDE to the VE case, yielding a closed-form VP speciation time. Gaussian-mixture formulas are verified to machine precision, and the local theorem is checked numerically on a quartic double-well.

We study identification and inference in nonlinear dynamic systems defined on unknown interaction networks. The system evolves through an unobserved dependence matrix governing cross-sectional shock propagation via a nonlinear operator. We show that the network structure is not generically identified, and that identification requires sufficient spectral heterogeneity. In particular, identification arises when the network induces non-exchangeable covariance patterns through heterogeneous amplification of eigenmodes. When the spectrum is concentrated, dependence becomes observationally equivalent to common shocks or scalar heterogeneity, leading to non-identification. We provide necessary and sufficient conditions for identification, characterize observational equivalence classes, and propose a semiparametric estimator with asymptotic theory. We also develop tests for network dependence whose power depends on spectral properties of the interaction matrix. The results apply to a broad class of economic models, including production networks, contagion models, and dynamic interaction systems.

Sparse identification of nonlinear dynamics (SINDy) has been widely used to discover the governing equations of a dynamical system from data. It uses sparse regression techniques to identify parsimonious models of unknown systems from a library of candidate functions. Therefore, it relies on the assumption that the dynamics are sparsely represented in the coordinate system used. To address this limitation, one seeks a coordinate transformation that provides reduced coordinates capable of reconstructing the original system. Recently, SINDy autoencoders have extended this idea by combining sparse model discovery with autoencoder architectures to learn simplified latent coordinates together with parsimonious governing equations. A central challenge in this framework is robustness to measurement error. Inspired by noise-separating neural network structures, we incorporate a noise-separation module into the SINDy autoencoder architecture, thereby improving robustness and enabling more reliable identification of noisy dynamical systems. Numerical experiments on the Lorenz system show that the proposed method recovers interpretable latent dynamics and accurately estimates the measurement noise from noisy observations.

We present mlr3mbo, a comprehensive and modular toolbox for Bayesian optimization in R. mlr3mbo supports single- and multi-objective optimization, multi-point proposals, batch and asynchronous parallelization, input and output transformations, and robust error handling. While it can be used for many standard Bayesian optimization variants in applied settings, researchers can also construct custom BO algorithms from its flexible building blocks. In addition to an introduction to the software, its design principles, and its building blocks, the paper presents two extensive empirical evaluations of the software on the surrogate-based benchmark suite YAHPO Gym. To identify robust default configurations for both numeric and mixed-hierarchical optimization regimes, and to gain further insights into the respective impacts of individual settings, we run a coordinate descent search over the mlr3mbo configuration space and analyze its results. Furthermore, we demonstrate that mlr3mbo achieves state-of-the-art performance by benchmarking it against a wide range of optimizers, including HEBO, SMAC3, Ax, and Optuna.

In High Energy Physics, detailed calorimeter simulations and reconstructions are essential for accurate energy measurements and particle identification, but their high granularity makes them computationally expensive. Developing data-driven techniques capable of recovering fine-grained information from coarser readouts, a task known as calorimeter superresolution, offers a promising way to reduce both computational and hardware costs while preserving detector performance. This thesis investigates whether a generative model originally designed for fast simulation can be effectively applied to calorimeter superresolution. Specifically, the model proposed in arXiv:2308.11700 is re-implemented independently and trained on the CaloChallenge 2022 dataset based on the Geant4 Par04 calorimeter geometry. Finally, the model's performance is assessed through a rigorous statistical evaluation framework, following the methodology introduced in arXiv:2409.16336, to quantitatively test its ability to reproduce the reference distributions.

Motifs often recur in musical works in altered forms, preserving aspects of their identity while undergoing local variation. This paper investigates how such motivic transformations occur within their musical context in symbolic music. To support this analysis, we develop a probabilistic framework for modeling motivic transformations and apply it to Beethoven's piano sonatas by integrating multiple datasets that provide melodic, rhythmic, harmonic, and motivic information within a unified analytical representation. Motif transformations are represented as multilabel variables by comparing each motif instance to a designated reference occurrence within its local context, ensuring consistent labeling across transformation families. We introduce a multilabel Conditional Random Field to model how motif-level musical features influence the occurrence of transformations and how different transformation families tend to co-occur. Our goal is to provide an interpretable, distributional analysis of motivic transformation patterns, enabling the study of their structural relationships and stylistic variation. By linking computational modeling with music-theoretical interpretation, the proposed framework supports quantitative investigation of musical structure and complexity in symbolic corpora and may facilitate the analysis of broader compositional patterns and writing practices.