SHANGHAI, May 7, 2025 — Qifu Technology ( NASDAQ: QFIN; HKEX: 3660), a prominent fintech firm in China, and Beijing Jiaotong University have achieved a noteworthy accomplishment. Their joint research paper, entitled Leveraging MLLM Embeddings and Attribute Smoothing for Compositional Zero-Shot Learning, has been selected for presentation at the International Joint Conference on Artificial Intelligence (IJCAI) 2025, a leading global AI conference.
IJCAI, with a competitive acceptance rate of only 19.3% (1,042 papers accepted from 5,404 submissions), is highly regarded as a top-tier AI conference worldwide and is classified as a Class-A event by the China Computer Federation (CCF).
The study explores Compositional Zero-Shot Learning, which focuses on identifying new combinations of attributes and objects by utilizing existing knowledge. To address common challenges such as background noise, the limited ability of word embeddings to capture semantic meaning, and an overreliance on familiar combinations, the team developed an innovative framework called TRIDENT. TRIDENT incorporates Multimodal Large Language Model (MLLM) embeddings and attribute smoothing, employing modules like Feature Adaptive Aggregation (FAA) to minimize background noise. It learns conditional masks for detailed feature extraction and uses MLLM’s hidden states to improve semantic representation. The framework has demonstrated superior performance across various datasets, providing novel solutions for applications like image recognition and content understanding.
TRIDENT offers significant potential in the fintech sector. In intelligent risk management, it can analyze multimodal data, including transaction patterns and user information, to identify emerging fraud patterns more quickly than traditional methods, thereby enhancing assessment accuracy and minimizing losses. In customer support, the framework enables a more accurate interpretation of complex user requests, leading to more tailored and effective assistance.
This accomplishment highlights Qifu Technology’s dedication to AI innovation. By increasing investments in research and development and strengthening partnerships with academic institutions, the company seeks to further advance AI applications, contributing to industry progress and societal benefits.
SOURCE Qifutech
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