Irregular time series require models to answer temporal queries at arbitrary coordinates, yet existing approaches typically retain observation-dependent representations that must be repeatedly resolved for each query. We introduce HiPPO Functional Memory (HiPPO-FM), a functional-memory attention operator that compiles an irregular history into a reusable coordinate-addressable state. Instead of storing observation-indexed tokens or latent trajectories, HiPPO-FM writes observations into a fixed-rank functional space and performs direct coordinate evaluation through matched functional geometry. Kernel-smoothed HiPPO coordinates and Gram-based readout define a shared write/read mechanism, while observed-support self-attention enables content-dependent representations before compression. We characterize the induced finite-dimensional query space and derive an error decomposition separating functional geometry approximation from learned-memory mismatch. Across continuous-coordinate reconstruction, irregular representation learning, real-world extrapolation, and event-sequence prediction, HiPPO-FM consistently improves strong irregular time-series baselines, achieving strong reconstruction accuracy on Spiral, competitive performance across 20 UEA datasets, improved real-world extrapolation, and superior results on several irregular event benchmarks. After encoding, the compact functional state can be reused across different query sets without reprocessing the observation history.
Traditional industrial agents rely on modular pipelines, including Router, Retriever, Planner, Executor, Responder, Reviewer and so on, which inevitably fracture into a labyrinth of ad-hoc patches, leading to cascading errors and high latency. We propose OneModel, an applicable paradigm shift from external workflows to internalized knowledge representation. Unlike modular systems that slice fluid user intents into static steps, OneModel consolidates complex business logic and SOPs directly into the model’s parameters.Through Continual Pre-training (CPT) and logic-compilation SFT, we transform fragmented business rules into the model’s intuitive reasoning within a unified attention space. Deployed in our global financial service system, OneModel effectively breaks the impossible triangle of latency, accuracy, and complexity. Online A/B testing demonstrates end-to-end latency reduction of more than 50% (18.7s \rightarrow 8s) while the Intelligent Resolution Rate (IRR) jumps from 64.3% to 83.3%. The results demonstrate our paradigm OneModel effectively replaces brittle engineering logic with internalized cognitive intuition, offering a scalable and future-proof blueprint for transitioning industrial agents from complex, error-prone workflow to unified model architectures.
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cs.CL
Proceedings of the 64th Annual Meeting of the Association for Computational Linguistics (Volume 6: Industry Track) · 2026 · 正式发表
Xueqing Peng Yale University, Lingfei Qian Yale University, Yan Wang Yale University, Ruoyu Xiang, Yueru He Columbia University, Yang Ren Yale University, Mingyang Jiang, Vincent Jim Zhang 等 47 位作者
Real-world financial analysis involves information across multiple languages and modalities, from reports and news to scanned filings and meeting recordings. Yet most existing evaluations of LLMs in finance remain text-only, monolingual, and largely saturated by current models. To bridge these gaps, we present MultiFinBen, the first expert-annotated multilingual (five languages) and multimodal (text, vision, audio) benchmark for evaluating LLMs in realistic financial contexts. MultiFinBen introduces two new task families: multilingual financial reasoning, which tests cross-lingual evidence integration from filings and news, and financial OCR, which extracts structured text from scanned documents containing tables and charts. Rather than aggregating all available datasets, we apply a structured, difficulty-aware selection based on advanced model performance, ensuring balanced challenge and removing redundant tasks. Evaluating 21 leading LLMs shows that even frontier multimodal models like GPT-4o achieve only 46.01% overall, stronger on vision and audio but dropping sharply in multilingual settings. These findings expose persistent limitations in multilingual, multimodal, and expert-level financial reasoning. All datasets, evaluation scripts, and leaderboards are publicly released.
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cs.CL · cs.CV
Proceedings of the 64th Annual Meeting of the Association for Computational Linguistics (Volume 1: Long Papers) · 2026 · 正式发表