arXiv:2601.02573v1 Announce Type: new Abstract: Credit risk assessment is essential in the financial sector, but has traditionally depended on costly feature-based models that often fail to utilize all available information in raw credit records. This paper introduces LendNova, the first practical automated end-to-end pipeline for credit risk assessment, designed to utilize all available information in raw credit records by leveraging advanced NLP techniques and language models. LendNova transforms risk modeling by operating directly on raw, jargon-heavy credit bureau […]

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Our latest AI music technologies are now available in MusicFX DJ, Music AI Sandbox and YouTube Shorts

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arXiv:2601.02513v1 Announce Type: new Abstract: We derive and analyze well-posed, energy- and entropy-stable boundary conditions (BCs) for the two-dimensional linear and nonlinear rotating shallow water equations (RSWE) in vector invariant form. The focus of the study is on subcritical flows, which are commonly observed in atmospheric, oceanic, and geostrophic flow applications. We consider spatial domains with smooth boundaries and formulate both linear and nonlinear BCs using mass flux, Riemann’s invariants, and Bernoulli’s potential, ensuring that the resulting initial […]

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Author(s): Hayanan Originally published on Towards AI. Unveiling the Magic of Gradient Descent, Feedforward Architectures, and Universal Function Approximation in AI Ne‌ural⁠ networks‌ form the backbone of mod‌ern artifici⁠al inte​lligence, powering b‍rea⁠kthroughs in computer v⁠ision, natur⁠al language pro‌cess‍ing,​ re‍commende‍r syst‌ems, and s⁠cientific disc​overy​.‍ Yet beneath today’s deep architectures lie simple mathematic⁠a‌l ideas developed deca‍de​s‌ ago. T‌his a‍rticle pr⁠esents a⁠ c‍omprehensive, e⁠nd-to-end jo​urney⁠ thro‌ugh the evolution of neur​al‍ net‍wo​rks fr‌om the foundational percep⁠tro‌n to sigmoid n​euro‌ns, g‌radient-based l‌earn‌ing, feedfo‍rwar⁠d​ […]

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I. The “Complete System” Fallacy 1.1 The Problem The pursuit of ethical Artificial Intelligence (AI) has been defined by a single, implicit ambition: the creation of a “complete” ethical machine. This is the dream of building an autonomous system whose internal logic, training data, and reward functions are comprehensive enough to resolve any moral dilemma it encounters without human intervention. From the rigid rule-sets of symbolic AI to the “aligned” reinforcement learning models of today, the governing philosophy […]

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Preliminaries ‘An Introduction to Performance Optimization’ Linear algebra Calculus 1,2 Direction Based Algorithm and a Variation1 This post describes a direction searching algorithm((mathbf{x}_{k})). And its variation gives a way to estimate step length ((alpha_k)). Steepest Descent To find the minimum points of a performance index by an iterative algorithm, we want to decrease the value of the performance index step by step which looks like going down from the top of the hill.

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arXiv:2601.00148v1 Announce Type: new Abstract: School Campus emergency communication systems are vital for safeguarding student safety during sudden disasters such as typhoons, which frequently cause widespread paralysis of communication infrastructure. Traditional Delay-Tolerant Network (DTN) protocols, such as Direct Delivery and First Contact, struggle to maintain reliable connections in such scenarios due to high latency and low delivery rates. This paper proposes the Activity-based First Contact (A-FC) protocol, an innovative routing scheme that leverages real-world social roles to overcome […]

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