arXiv subjects

Muhra AlMahri

Publications and source records attributed to Muhra AlMahri.

3 recordsLinked to original sources

arXiv2026

Right Frame, Wrong Rule: Cultural Cues Expose the Financial Knowledge Gap They Were Meant to Close

When a question has valid answers under different normative frameworks, a language model must decide which framework to use and whether it can answer correctly within it. We call this setting normative pluralism and study it in Islamic finance using a four-choice taxonomy that separates framework selection from within-framework correctness. This separation reveals the stereotype trap: a cultural cue steers a model toward one framework, but the model selects an incorrect answer within that framework. Across twelve models, two languages, and fifty demographic signals, cultural cues change framework selection and reveal substantial differences in accuracy, especially among non-frontier models. Under the strongest signal, large open-weight models select the Islamic framework 97% of the time. A two-choice evaluation would report near-perfect alignment, although 57--66% of those selections are incorrect. These findings motivate, but do not directly test, the competence-conditioned routing hypothesis: models may favor frameworks where they are more accurate, while cultural cues may expose framework-specific competence gaps.

cs.CL↗

arXiv2026

Agent-X: Evaluating Deep Multimodal Reasoning in Vision-Centric Agentic Tasks

Deep reasoning is fundamental for solving complex tasks, especially in vision-centric scenarios that demand sequential, multimodal understanding. However, existing benchmarks typically evaluate agents with fully synthetic, single-turn queries, limited visual modalities, and lack a framework to assess reasoning quality over multiple steps as required in real-world settings. To address this, we introduce Agent-X, a large-scale benchmark for evaluating vision-centric agents multi-step and deep reasoning capabilities in real-world, multimodal settings. Agent- X features 828 agentic tasks with authentic visual contexts, including images, multi-image comparisons, videos, and instructional text. These tasks span six major agentic environments: general visual reasoning, web browsing, security and surveillance, autonomous driving, sports, and math reasoning. Our benchmark requires agents to integrate tool use with explicit, stepwise decision-making in these diverse settings. In addition, we propose a fine-grained, step-level evaluation framework that assesses the correctness and logical coherence of each reasoning step and the effectiveness of tool usage throughout the task. Our results reveal that even the best-performing models, including GPT, Gemini, and Qwen families, struggle to solve multi-step vision tasks, achieving less than 50% full-chain success. These findings highlight key bottlenecks in current LMM reasoning and tool-use capabilities and identify future research directions in vision-centric agentic reasoning models. Our data and code are publicly available at https://github.com/mbzuai-oryx/Agent-X

cs.CV↗

arXiv2026

SAHM: A Benchmark for Arabic Financial and Shari'ah-Compliant Reasoning

English financial NLP has advanced rapidly through benchmarks targeting earnings analysis, market sentiment, tabular reasoning, and financial question answering, yet Arabic financial NLP remains virtually nonexistent, despite 422 million speakers, $4.9 trillion in Gulf sovereign wealth, and a $4-5 trillion Islamic finance industry requiring specialized Shari'ah compliance over instruments like sukuk, murabaha, and takaful. We introduce Sahm, the first Arabic financial benchmark spanning seven tasks: AAOIFI standards QA, fatwa-based QA/MCQ, accounting and business exams, financial sentiment analysis, extractive summarization, and event-cause reasoning, comprising 14,380 expert-verified instances from authentic regulatory, juristic, and corporate sources. Evaluating 20 LLMs, we find Arabic fluency does not imply financial reasoning: models achieving 91% on recognition tasks drop sharply on generation, and event-cause reasoning exposes the widest performance gap (1.89-9.84/10). We release the benchmark and dataset to support trustworthy Arabic financial assistants.

cs.CL↗