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Feb 23

FCMBench: A Comprehensive Financial Credit Multimodal Benchmark for Real-world Applications

As multimodal AI becomes widely used for credit risk assessment and document review, a domain-specific benchmark is urgently needed that (1) reflects documents and workflows specific to financial credit applications, (2) includes credit-specific understanding and real-world robustness, and (3) preserves privacy compliance without sacrificing practical utility. Here, we introduce FCMBench-V1.0 -- a large-scale financial credit multimodal benchmark for real-world applications, covering 18 core certificate types, with 4,043 privacy-compliant images and 8,446 QA samples. The FCMBench evaluation framework consists of three dimensions: Perception, Reasoning, and Robustness, including 3 foundational perception tasks, 4 credit-specific reasoning tasks that require decision-oriented understanding of visual evidence, and 10 real-world acquisition artifact types for robustness stress testing. To reconcile compliance with realism, we construct all samples via a closed synthesis-capture pipeline: we manually synthesize document templates with virtual content and capture scenario-aware images in-house. This design also mitigates pre-training data leakage by avoiding web-sourced or publicly released images. FCMBench can effectively discriminate performance disparities and robustness across modern vision-language models. Extensive experiments were conducted on 23 state-of-the-art vision-language models (VLMs) from 14 top AI companies and research institutes. Among them, Gemini 3 Pro achieves the best F1(\%) score as a commercial model (64.61), Qwen3-VL-235B achieves the best score as an open-source baseline (57.27), and our financial credit-specific model, Qfin-VL-Instruct, achieves the top overall score (64.92). Robustness evaluations show that even top-performing models suffer noticeable performance drops under acquisition artifacts.

  • 10 authors
·
Dec 31, 2025

TOPIQ: A Top-down Approach from Semantics to Distortions for Image Quality Assessment

Image Quality Assessment (IQA) is a fundamental task in computer vision that has witnessed remarkable progress with deep neural networks. Inspired by the characteristics of the human visual system, existing methods typically use a combination of global and local representations (\ie, multi-scale features) to achieve superior performance. However, most of them adopt simple linear fusion of multi-scale features, and neglect their possibly complex relationship and interaction. In contrast, humans typically first form a global impression to locate important regions and then focus on local details in those regions. We therefore propose a top-down approach that uses high-level semantics to guide the IQA network to focus on semantically important local distortion regions, named as TOPIQ. Our approach to IQA involves the design of a heuristic coarse-to-fine network (CFANet) that leverages multi-scale features and progressively propagates multi-level semantic information to low-level representations in a top-down manner. A key component of our approach is the proposed cross-scale attention mechanism, which calculates attention maps for lower level features guided by higher level features. This mechanism emphasizes active semantic regions for low-level distortions, thereby improving performance. CFANet can be used for both Full-Reference (FR) and No-Reference (NR) IQA. We use ResNet50 as its backbone and demonstrate that CFANet achieves better or competitive performance on most public FR and NR benchmarks compared with state-of-the-art methods based on vision transformers, while being much more efficient (with only {sim}13% FLOPS of the current best FR method). Codes are released at https://github.com/chaofengc/IQA-PyTorch.

  • 8 authors
·
Aug 6, 2023

EgyBERT: A Large Language Model Pretrained on Egyptian Dialect Corpora

This study presents EgyBERT, an Arabic language model pretrained on 10.4 GB of Egyptian dialectal texts. We evaluated EgyBERT's performance by comparing it with five other multidialect Arabic language models across 10 evaluation datasets. EgyBERT achieved the highest average F1-score of 84.25% and an accuracy of 87.33%, significantly outperforming all other comparative models, with MARBERTv2 as the second best model achieving an F1-score 83.68% and an accuracy 87.19%. Additionally, we introduce two novel Egyptian dialectal corpora: the Egyptian Tweets Corpus (ETC), containing over 34.33 million tweets (24.89 million sentences) amounting to 2.5 GB of text, and the Egyptian Forums Corpus (EFC), comprising over 44.42 million sentences (7.9 GB of text) collected from various Egyptian online forums. Both corpora are used in pretraining the new model, and they are the largest Egyptian dialectal corpora to date reported in the literature. Furthermore, this is the first study to evaluate the performance of various language models on Egyptian dialect datasets, revealing significant differences in performance that highlight the need for more dialect-specific models. The results confirm the effectiveness of EgyBERT model in processing and analyzing Arabic text expressed in Egyptian dialect, surpassing other language models included in the study. EgyBERT model is publicly available on https://huggingface.co/faisalq/EgyBERT.

  • 1 authors
·
Aug 6, 2024