China

This paper presents Ryt AI, an LLM-native agentic framework that powers Ryt Bank to enable customers to execute core financial transactions through natural language conversation. This represents the first global regulator-approved deployment worldwide where conversational AI functions as the primary banking interface, in contrast to prior assistants that have been limited to advisory or support roles. Built entirely in-house, Ryt AI is powered by ILMU, a closed-source LLM developed internally, and replaces rigid multi-screen workflows with a single dialogue orchestrated by four LLM-powered agents (Guardrails, Intent, Payment, and FAQ). Each agent attaches a task-specific LoRA adapter to ILMU, which is hosted within the bank&#39;s infrastructure to ensure consistent behavior with minimal overhead. Deterministic guardrails, human-in-the-loop confirmation, and a stateless audit architecture provide defense-in-depth for security and compliance. The result is Banking Done Right: demonstrating that regulator-approved natural-language interfaces can reliably support core financial operations under strict governance.

EMNLP 2025

Banking Done Right: Redefining Retail Banking with Language-Centric AI

fintech innovation

digital banking

conversational ai

### Welcome!
The 62nd Annual Meeting of the Association for Computational Linguistics (ACL 2024) will take place in Bangkok, Thailand from August 11th to 16th, 2024. Our Virtual Poster Sessions will take place online Thursday, August 22, 2024.

You are required to register for this event. **Please register [here](https://2024.aclweb.org/registration). **

If you have already registered, please check your inbox for an email from Underline granting you access to ACL 2024 content.

Please register!

ACL 2024

The 62nd Annual Meeting of the Association for Computational Linguistics (ACL 2024) will take place in Bangkok, Thailand from August 11th to 16th, 2024. More information will be announced soon.

This paper presents Ryt AI, an LLM-native agentic framework that powers Ryt Bank to enable customers to execute core financial transactions through natural language conversation. This represents the first global regulator-approved deployment worldwide where conversational AI functions as the primary banking interface, in contrast to prior assistants that have been limited to advisory or support roles. Built entirely in-house, Ryt AI is powered by ILMU, a closed-source LLM developed internally, and replaces rigid multi-screen workflows with a single dialogue orchestrated by four LLM-powered agents (Guardrails, Intent, Payment, and FAQ). Each agent attaches a task-specific LoRA adapter to ILMU, which is hosted within the bank's infrastructure to ensure consistent behavior with minimal overhead. Deterministic guardrails, human-in-the-loop confirmation, and a stateless audit architecture provide defense-in-depth for security and compliance. The result is Banking Done Right: demonstrating that regulator-approved natural-language interfaces can reliably support core financial operations under strict governance.

poster

## Welcome!
"I am excited to welcome you to this year’s edition of the Conference on Empirical Methods in Natural Language Processing! Importantly, it marks the 30th edition of EMNLP. With over 8,000 submissions, more than 3,000 accepted papers, and thousands of attendees, we have come a long way from that first
workshop, which had 14 accepted papers. As the field looks ahead, Suzhou is the fitting location for celebrating this milestone: rooted in a long literary tradition, yet modern and forward-looking, and home to a large share of the NLP community." 

*Message from the General Chair, Dirk Hovy*

Celebrate 30 Years of EMNLP! 
EMNLP 2025 will be held in Suzhou, China from November 5th to November 9th, 2025.

Fine-tuning large language models (LLMs) with backpropagation--even for a subset of parameters such as LoRA--can be much more memory-consuming than inference and is often deemed impractical for resource-constrained mobile devices. Alternative methods, such as zeroth-order optimization (ZO), can greatly reduce the memory footprint but come at the cost of significantly slower model convergence (10× to 100× more steps than backpropagation). We propose a memory-efficient implementation of backpropagation (MeBP) on mobile devices that allows flexible trade-offs between memory usage and compute time, while converging faster and achieving better performance than the ZO baseline. We verify the effectiveness of MeBP on an iPhone 15 Pro Max and show that various LLMs, ranging from 0.5B to 4B parameters, can be fine-tuned using less than 1GB of memory.

Memory-Efficient Backpropagation for Fine-Tuning LLMs on Resource-Constrained Mobile Devices

Running Large Language Models (LLMs) on edge devices is constrained by high compute and memory demands—posing a barrier for real-time applications in industries like healthcare, education, and embedded systems. Current solutions such as quantization, pruning, and retrieval-augmented generation (RAG) offer only partial optimizations and often compromise on speed or accuracy.


We introduce HOLA, an end-to-end optimization framework for efficient LLM deployment. Internally, it leverages Hierarchical Speculative Decoding (HSD) for faster inference without quality loss. Externally, AdaComp-RAG adjusts retrieval complexity based on context needs. Together with Lo-Bi, which blends structured pruning (LoRA) and quantization, HOLA delivers significant gains: +17.6% EMA on GSM8K, +10.5% MCA on ARC, and reduced latency and memory on edge devices like Jetson Nano—proving both scalable and production-ready. Our code is available at: \url{https://anonymous.4open.science/r/HOLA_Codebase-FB1E/README.md}

LLMs on a Budget? Say HOLA

E-commerce ad platforms enforce content policies and review created ads before publication, with casing requirements playing a critical role in maintaining readability and brand consistency. Existing NER-based transformer models have been widely used for casing correction, but they process characters independently in a classification-based manner, failing to capture sentence level contextual dependencies, making them less reliable when handling unseen or ad-specific terms, e.g., brand names. LLMs like ChatGPT offer better generalization to proper nouns, but they are expensive and have high latency. Besides, generative model can suffer from hallucination. To address these challenges, we propose a two-stage approach: (1) an LLM-based Agent leveraging Chain-of-Actions (CoA) to enforce casing policies while accurately handling ads-specific terms, such as brand names, and (2) a lightweight generative model that preserves the LLM Agent's knowledge while significantly reducing latency and costs. We design a novel in-context decoding strategy, which avoids hallucinations. Our approach outperforms NER-based methods and achieves near-LLM Agent performance, making it a scalable and efficient solution for real-world ad compliance automation.

Learning from LLM Agents: In-Context Generative Models for Text Casing in E-Commerce Ads

We report on experiments on information extraction (IE) from EU Acquis, the European Union law. We introduce a new IE task of Information Provision Activity Requirement Extraction, which focuses on the identification of text fragments which introduce an obligation to provide information and extraction of structured information therefrom on the key entities involved and temporal modalities. We compare various technologies for this task, including, knowledge-, classical ML-, transformer-, and generative AI-based approaches on a benchmark corpus specifically created for this study.

Extraction of Information Provision Activity Requirements from EU-Acquis

Knowledge graphs (KGs) enhance pretrained language models by incorporating additional knowledge, improving their performance in specialized fields, for example, helping models learn domain-specific relationships between documents that might otherwise be missed. In the process industry, text logs contain crucial information about daily operations, such as events, instructions, and incident reports, and are often structured as sparse KGs. This paper explores how SciNCL, a graph-aware neighborhood contrastive learning methodology originally designed for scientific publications, can be adapted to the process industry domain. We use several KGs to train graph embedding (GE) models, which we then use to generate synthetic training datasets for a domain-specific text encoder. Our experiments demonstrate that language models fine-tuned with triplets derived from GE outperform a state-of-the-art mE5-large text encoder by 12-13.5% (6.68-7.54p) on the proprietary process industry text embedding benchmark (PITEB) while being 3-5 times smaller in size.

Contrastive Learning Using Graph Embeddings for Domain Adaptation of Language Models in the Process Industry

Large language models usually suffer from multiple-file coding scenarios where strong inter-file dependencies manifest, typically demonstrated in SWE-bench. To mitigate this issue, we propose Think-Search-Patch (TSP), a retrieval-augmented reasoning framework for repository-level code repair. In the Think stage, our system breaks down a coding task and creates clear search query. Next, in the Search stage, it retrieves relevant code snippets using models like E5. In the final Patch stage, it generates standardized patches based on the key snippets. In addition the proposed framework, we enhance system reliability through a two-stage training process. In the first stage, the system undergoes supervised fine-tuning (SFT) on our TSP dataset. In the subsequent stage, we employ rejection sampling with correction to generate preference pairs for Direct Preference Optimization (DPO) training, thereby reducing errors in the intermediate phases. Experimental results demonstrate that TSP framework enhances retrieval accuracy and repair success on SWE-bench Lite, even surpassing models with a larger size in managing extensive code contexts and successfully addressing bugs spanning across multiple files. All data and code will be available soon at GitHub.

Think-Search-Patch: A Retrieval-Augmented Reasoning Framework for Repository-Level Code Repair

LLM agents show promise for vulnerability testing. We however lack benchmarks to evaluate and compare solutions. AutoPenBench covers this need offering an open benchmark for the evaluation of vulnerability testing agents. It includes 33 tasks, ranging from introductory exercises to actual vulnerable systems. It supports MCP, enabling the comparison of agent capabilities. We introduce milestones per task, allowing the comparison of intermediate steps where agents struggle. To illustrate the use of AutoPenBench we evaluate autonomous and human-assisted agent architectures. The former achieves 21\% success rates, insufficient for production, while human-assisted agents reach 64\% success, indicating a viable industrial path. AutoPenBench is offered as open source and enables fair comparison of agents.

AutoPenBench: A Vulnerability Testing Benchmark for Generative Agents

In enterprise systems, tasks like API integration, ETL pipeline creation, customer record merging, and data consolidation rely on accurately aligning attributes that refer to the same real-world concept but differ across schemas. This semantic attribute alignment is critical for enabling schema unification, reporting, and analytics. The challenge is amplified in schema only settings where no instance data is available due to ambiguous names, inconsistent descriptions, and varied naming conventions.


We propose a hybrid, unsupervised framework that combines the contextual reasoning of Large Language Models (LLMs) with the stability of embedding-based similarity and schema grouping to address token limitations and hallucinations. Our method operates solely on metadata and scales to large schemas by grouping attributes and refining LLM outputs through embedding-based enhancement, justification filtering, and ranking. Experiments on real-world healthcare schemas show strong performance, highlighting the effectiveness of the framework in privacy-constrained scenarios.

Group, Embed and Reason: A Hybrid LLM and Embedding Framework for Semantic Attribute Alignment

Safety is a paramount concern in clinical chatbot applications, where inaccurate or harmful responses can lead to serious consequences. Existing methods—such as guardrails and tool-calling—often fall short in addressing the nuanced demands of the clinical domain. In this paper, we introduce TACOS(Taxonomy of Comprehensive Safety for Clinical Agents), a fine-grained, 21-class taxonomy that integrates safety filtering and tool selection into a single user intent classification step. TACOS covers a wide spectrum of clinical and non-clinical queries, explicitly modeling varying safety thresholds and external tool dependencies. To validate our framework, we curate a TACOS-annotated dataset and perform extensive experiments. Our results demonstrate the value of a new taxonomy specialized for clinical agent settings, and reveal valuable insights about train data distribution and pretrained knowledge of base models.

Taxonomy of Comprehensive Safety for Clinical Agents

Text-based telemedicine has become increasingly common, yet the quality of medical advice in doctor-patient interactions is often judged more on how advice is communicated rather than its clinical accuracy. To address this, we introduce Dr.Copilot, a multi-agent large language model (LLM) system that supports Romanian-speaking doctors by evaluating and enhancing the presentation quality of their written responses. Rather than assessing medical correctness, Dr.Copilot provides feedback along 17 interpretable axes. The system comprises of three LLM agents with prompts automatically optimized via DSPy. Designed with low-resource Romanian data and deployed using open-weight models, it delivers real-time specific feedback to doctors within a telemedicine platform. Empirical evaluations and live deployment with 41 doctors show measurable improvements in user reviews and response quality, marking one of the first real-world deployments of LLMs in Romanian medical settings.

Downloads

Next from EMNLP 2025

Memory-Efficient Backpropagation for Fine-Tuning LLMs on Resource-Constrained Mobile Devices

Similar lecture

AlexuNLP24 at AraFinNLP2024: Multi-Dialect Arabic Intent Detection with Contrastive Learning in Banking Domain

Stay up to date with the latest Underline news!

PRESENTATIONS

CONFERENCES

COMPANY

RESOURCES

.css-70qvj9{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}Downloads

Next from EMNLP 2025

Memory-Efficient Backpropagation for Fine-Tuning LLMs on Resource-Constrained Mobile Devices

Similar lecture

AlexuNLP24 at AraFinNLP2024: Multi-Dialect Arabic Intent Detection with Contrastive Learning in Banking Domain

Stay up to date with the latest Underline news!

PRESENTATIONS

CONFERENCES

COMPANY

RESOURCES

Downloads