2 papers
q-fin.RM2026
DTD-VAE: Disentangled Temporal Dependencies VAE for Credit Risk Prediction
Xiaobo Guo, Lu-an Dong, Yanbo Wang +3
Evaluating customer creditworthiness is crucial for retail banking operations, as it impacts marketing strategies, customer relationship management, and credit risk control. Tradit…
cs.AI2025
MLlm-DR: Towards Explainable Depression Recognition with MultiModal Large Language Models
Wei Zhang, Juan Chen, En Zhu +3
Automated depression diagnosis aims to analyze multimodal information from interview videos to predict participants' depression scores. Previous studies often lack clear explanatio…