arXiv subjects

Richard Khoury

Publications and source records attributed to Richard Khoury.

At least 19 recordsLinked to original sources

arXiv2026

A Human-Centric Evaluation of a Retrieval-Augmented Generation System for Explaining Quebec Insurance Contracts

With the rise of online insurance sales, consumers face a significant \enquote{advice gap}, requiring them to navigate complex legal contracts without expert guidance. This paper presents a human-centric, extrinsic evaluation of a state-of-the-art Retrieval-Augmented Generation system, designed to make Quebec automobile insurance contracts more understandable. Through a user study with 154 participants from Laval University, we assess the agent's real-world utility by measuring system satisfaction, cognitive effort, perceived autonomy, and risk. Our results show the system is perceived as a \enquote{cognitive equalizer}, receiving high ratings for satisfaction, trust, and clarity. Crucially, users value the sense of autonomy the system provides even more than the knowledge itself, with this effect being most pronounced among participants with lower financial literacy, demonstrating how such an agent can directly empower individuals. However, our study also highlights some limitations: participants expressed a strong preference for human agents in high-stakes or emotionally charged scenarios. This work highlights the importance of human-in-the-loop frameworks in ensuring the responsible implementation of AI in high-stakes consumer finance.

cs.HC↗

arXiv2026

Causal Parametric Drift Simulation: A Digital Twin Framework for Classifier Robustness Evaluation

Machine learning classifiers in dynamic environments face concept drift -- changes in the data-generating process that degrade performance. Conventional evaluation via static test sets or noise perturbations fails to preserve causal dependencies in tabular data, often producing causally invalid assessments. Post-hoc tools like SHAP and LIME offer correlational insights that may not reflect the causal mechanisms driving model failure. We propose a framework that complements existing drift detection by leveraging Structural Causal Models as "Digital Twins" of data-generating processes, enabling precise causal interventions while preserving structural dependencies. Our technique, Causal Parametric Drift Simulation, stress-tests classifiers to identify vulnerabilities before deployment. Experiments on the Open Sourcing Mental Illness (OSMH) dataset demonstrate that this approach exposes latent vulnerabilities invisible to standard statistical monitors.

cs.LG↗

arXiv2026

Idiom Understanding as a Tool to Measure the Dialect Gap

The tasks of idiom understanding and dialect understanding are both well-established benchmarks in natural language processing. In this paper, we propose combining them, and using regional idioms as a test of dialect understanding. Towards this end, we propose three new benchmark datasets for the Quebec dialect of French: QFrCoRE, which contains 4,633 instances of idiomatic phrases, and QFrCoRT, which comprises 171 regional instances of idiomatic words, and a new benchmark for French Metropolitan expressions, MFrCoE, which comprises 4,938 phrases. We explain how to construct these corpora, so that our methodology can be replicated for other dialects. Our experiments with 111 LLMs reveal a critical disparity in dialectal competence: while models perform well on French Metropolitan, 65.77% of them perform significantly worse on Quebec idioms, with only 9.0% favoring the regional dialect. These results confirm that our benchmarks are a reliable tool for quantifying the dialect gap and that prestige-language proficiency does not guarantee regional dialect understanding.

cs.CL↗

arXiv2026

Benchmarking Large Language Models for Quebec Insurance: From Closed-Book to Retrieval-Augmented Generation

The digitization of insurance distribution in the Canadian province of Quebec, accelerated by legislative changes such as Bill 141, has created a significant "advice gap", leaving consumers to interpret complex financial contracts without professional guidance. While Large Language Models (LLMs) offer a scalable solution for automated advisory services, their deployment in high-stakes domains hinges on strict legal accuracy and trustworthiness. In this paper, we address this challenge by introducing AEPC-QA, a private gold-standard benchmark of 807 multiple-choice questions derived from official regulatory certification (paper) handbooks. We conduct a comprehensive evaluation of 51 LLMs across two paradigms: closed-book generation and retrieval-augmented generation (RAG) using a specialized corpus of Quebec insurance documents. Our results reveal three critical insights: 1) the supremacy of inference-time reasoning, where models leveraging chain-of-thought processing (e.g. o3-2025-04-16, o1-2024-12-17) significantly outperform standard instruction-tuned models; 2) RAG acts as a knowledge equalizer, boosting the accuracy of models with weak parametric knowledge by over 35 percentage points, yet paradoxically causing "context distraction" in others, leading to catastrophic performance regressions; and 3) a "specialization paradox", where massive generalist models consistently outperform smaller, domain-specific French fine-tuned ones. These findings suggest that while current architectures approach expert-level proficiency (~79%), the instability introduced by external context retrieval necessitates rigorous robustness calibration before autonomous deployment is viable.

cs.CL↗

arXiv2026

Low-Resource Dialect Adaptation of Large Language Models: A French Dialect Case-Study

Despite the widespread adoption of Large Language Models (LLMs), their strongest capabilities remain largely confined to a small number of high-resource languages for which there is abundant training data. Recently, continual pre-training (CPT) has emerged as a means to fine-tune these models to low-resource regional dialects. In this paper, we study the use of CPT for dialect learning under tight data and compute budgets. Using low-rank adaptation (LoRA) and compute-efficient continual pre-training, we adapt three LLMs to the Québec French dialect using a very small dataset and benchmark them on the COLE suite. Our experiments demonstrate an improvement on the minority dialect benchmarks with minimal regression on the prestige language benchmarks with around 1% of model parameters updated. Analysis of the results demonstrate that gains are highly contingent on corpus composition. These findings indicate that CPT with parameter-efficient fine-tuning (PEFT) can narrow the dialect gap by providing cost-effective and sustainable language resource creation, expanding high-quality LLM access to minority linguistic communities. To support reproducibility and broaden access, we release the first Québec French LLMs on Hugging Face.

cs.CL↗

arXiv2026

Generating High-quality Privacy-preserving Synthetic Data

Synthetic tabular data enables sharing and analysis of sensitive records, but its practical deployment requires balancing distributional fidelity, downstream utility, and privacy protection. We study a simple, model agnostic post processing framework that can be applied on top of any synthetic data generator to improve this trade off. First, a mode patching step repairs categories that are missing or severely underrepresented in the synthetic data, while largely preserving learned dependencies. Second, a k nearest neighbor filter replaces synthetic records that lie too close to real data points, enforcing a minimum distance between real and synthetic samples. We instantiate this framework for two neural generative models for tabular data, a feed forward generator and a variational autoencoder, and evaluate it on three public datasets covering credit card transactions, cardiovascular health, and census based income. We assess marginal and joint distributional similarity, the performance of models trained on synthetic data and evaluated on real data, and several empirical privacy indicators, including nearest neighbor distances and attribute inference attacks. With moderate thresholds between 0.2 and 0.35, the post processing reduces divergence between real and synthetic categorical distributions by up to 36 percent and improves a combined measure of pairwise dependence preservation by 10 to 14 percent, while keeping downstream predictive performance within about 1 percent of the unprocessed baseline. At the same time, distance based privacy indicators improve and the success rate of attribute inference attacks remains largely unchanged. These results provide practical guidance for selecting thresholds and applying post hoc repairs to improve the quality and empirical privacy of synthetic tabular data, while complementing approaches that provide formal differential privacy guarantees.

cs.LG↗

arXiv2026

QFrBLiMP: a Quebec-French Benchmark of Linguistic Minimal Pairs

In this paper, we introduce the Quebec-French Benchmark of Linguistic Minimal Pairs (QFrBLiMP), a corpus designed to evaluate LLMs' linguistic knowledge of prominent grammatical phenomena in Quebec-French. QFrBLiMP comprises 1,761 minimal pairs annotated with 20 LPs. Specifically, these minimal pairs have been created by manually modifying sentences extracted from an official online resource maintained by a Québec government institution. Each pair is annotated by 12 Quebec-French native speakers, who select the sentence they consider grammatical from the two. These annotations are used to compare the competency of LLMs with that of humans. We evaluate different LLMs on QFrBLiMP and MultiBLiMP-Fr by observing the rate of higher probabilities assigned to the sentences of each minimal pair for each category. We find that while grammatical competence scales with model size, a clear hierarchy of difficulty emerges. All benchmarked models consistently fail on phenomena requiring deep semantic understanding, revealing a critical limitation. Finally, our statistical analysis comparing QFrBLiMP and MultiBLiMP reveals a significant performance degradation for most models on Quebec-French; however, the most capable models remain within the statistical significance interval, demonstrating cross-dialectal robustness.

cs.CL↗

arXiv2025

COLE: a Comprehensive Benchmark for French Language Understanding Evaluation

To address the need for a more comprehensive evaluation of French Natural Language Understanding (NLU), we introduce COLE, a new benchmark composed of 23 diverse task covering a broad range of NLU capabilities, including sentiment analysis, paraphrase detection, grammatical judgment, and reasoning, with a particular focus on linguistic phenomena relevant to the French language. We benchmark 94 large language models (LLM), providing an extensive analysis of the current state of French NLU. Our results highlight a significant performance gap between closed- and open-weights models and identify key challenging frontiers for current LLMs, such as zero-shot extractive question-answering (QA), fine-grained word sense disambiguation, and understanding of regional language variations. We release COLE as a public resource to foster further progress in French language modelling.

cs.CL↗

arXiv2025

QFrCoLA: a Quebec-French Corpus of Linguistic Acceptability Judgments

Large and Transformer-based language models perform outstandingly in various downstream tasks. However, there is limited understanding regarding how these models internalize linguistic knowledge, so various linguistic benchmarks have recently been proposed to facilitate syntactic evaluation of language models across languages. This paper introduces QFrCoLA (Quebec-French Corpus of Linguistic Acceptability Judgments), a normative binary acceptability judgments dataset comprising 25,153 in-domain and 2,675 out-of-domain sentences. Our study leverages the QFrCoLA dataset and seven other linguistic binary acceptability judgment corpora to benchmark seven language models. The results demonstrate that, on average, fine-tuned Transformer-based LM are strong baselines for most languages and that zero-shot binary classification large language models perform poorly on the task. However, for the QFrCoLA benchmark, on average, a fine-tuned Transformer-based LM outperformed other methods tested. It also shows that pre-trained cross-lingual LLMs selected for our experimentation do not seem to have acquired linguistic judgment capabilities during their pre-training for Quebec French. Finally, our experiment results on QFrCoLA show that our dataset, built from examples that illustrate linguistic norms rather than speakers' feelings, is similar to linguistic acceptability judgment; it is a challenging dataset that can benchmark LM on their linguistic judgment capabilities.

cs.CL↗

arXiv2025

JUDGEBERT: Assessing Legal Meaning Preservation Between Sentences

Simplifying text while preserving its meaning is a complex yet essential task, especially in sensitive domain applications like legal texts. When applied to a specialized field, like the legal domain, preservation differs significantly from its role in regular texts. This paper introduces FrJUDGE, a new dataset to assess legal meaning preservation between two legal texts. It also introduces JUDGEBERT, a novel evaluation metric designed to assess legal meaning preservation in French legal text simplification. JUDGEBERT demonstrates a superior correlation with human judgment compared to existing metrics. It also passes two crucial sanity checks, while other metrics did not: For two identical sentences, it always returns a score of 100%; on the other hand, it returns 0% for two unrelated sentences. Our findings highlight its potential to transform legal NLP applications, ensuring accuracy and accessibility for text simplification for legal practitioners and lay users.

cs.CL↗

arXiv2025

Neural Machine Translation for Coptic-French: Strategies for Low-Resource Ancient Languages

This paper presents the first systematic study of strategies for translating Coptic into French. Our comprehensive pipeline systematically evaluates: pivot versus direct translation, the impact of pre-training, the benefits of multi-version fine-tuning, and model robustness to noise. Utilizing aligned biblical corpora, we demonstrate that fine-tuning with a stylistically-varied and noise-aware training corpus significantly enhances translation quality. Our findings provide crucial practical insights for developing translation tools for historical languages in general.

cs.CL↗

arXiv2025

Automated Journalistic Questions: A New Method for Extracting 5W1H in French

The 5W1H questions -- who, what, when, where, why and how -- are commonly used in journalism to ensure that an article describes events clearly and systematically. Answering them is a crucial prerequisites for tasks such as summarization, clustering, and news aggregation. In this paper, we design the first automated extraction pipeline to get 5W1H information from French news articles. To evaluate the performance of our algorithm, we also create a corpus of 250 Quebec news articles with 5W1H answers marked by four human annotators. Our results demonstrate that our pipeline performs as well in this task as the large language model GPT-4o.

cs.CL↗

arXiv2025

Preference-based learning for news headline recommendation

This study explores strategies for optimizing news headline recommendations through preference-based learning. Using real-world data of user interactions with French-language online news posts, we learn a headline recommender agent under a contextual bandit setting. This allows us to explore the impact of translation on engagement predictions, as well as the benefits of different interactive strategies on user engagement during data collection. Our results show that explicit exploration may not be required in the presence of noisy contexts, opening the door to simpler but efficient strategies in practice.

cs.IR↗

arXiv2023

Association Rules Mining with Auto-Encoders

Association rule mining is one of the most studied research fields of data mining, with applications ranging from grocery basket problems to explainable classification systems. Classical association rule mining algorithms have several limitations, especially with regards to their high execution times and number of rules produced. Over the past decade, neural network solutions have been used to solve various optimization problems, such as classification, regression or clustering. However there are still no efficient way association rules using neural networks. In this paper, we present an auto-encoder solution to mine association rule called ARM-AE. We compare our algorithm to FP-Growth and NSGAII on three categorical datasets, and show that our algorithm discovers high support and confidence rule set and has a better execution time than classical methods while preserving the quality of the rule set produced.

cs.LG↗

arXiv2023

RISC: Generating Realistic Synthetic Bilingual Insurance Contract

This paper presents RISC, an open-source Python package data generator (https://github.com/GRAAL-Research/risc). RISC generates look-alike automobile insurance contracts based on the Quebec regulatory insurance form in French and English. Insurance contracts are 90 to 100 pages long and use complex legal and insurance-specific vocabulary for a layperson. Hence, they are a much more complex class of documents than those in traditional NLP corpora. Therefore, we introduce RISCBAC, a Realistic Insurance Synthetic Bilingual Automobile Contract dataset based on the mandatory Quebec car insurance contract. The dataset comprises 10,000 French and English unannotated insurance contracts. RISCBAC enables NLP research for unsupervised automatic summarisation, question answering, text simplification, machine translation and more. Moreover, it can be further automatically annotated as a dataset for supervised tasks such as NER

cs.CL↗

arXiv2023

Neural Bandits for Data Mining: Searching for Dangerous Polypharmacy

Polypharmacy, most often defined as the simultaneous consumption of five or more drugs at once, is a prevalent phenomenon in the older population. Some of these polypharmacies, deemed inappropriate, may be associated with adverse health outcomes such as death or hospitalization. Considering the combinatorial nature of the problem as well as the size of claims database and the cost to compute an exact association measure for a given drug combination, it is impossible to investigate every possible combination of drugs. Therefore, we propose to optimize the search for potentially inappropriate polypharmacies (PIPs). To this end, we propose the OptimNeuralTS strategy, based on Neural Thompson Sampling and differential evolution, to efficiently mine claims datasets and build a predictive model of the association between drug combinations and health outcomes. We benchmark our method using two datasets generated by an internally developed simulator of polypharmacy data containing 500 drugs and 100 000 distinct combinations. Empirically, our method can detect up to 72% of PIPs while maintaining an average precision score of 99% using 30 000 time steps.

cs.LG↗

arXiv2022

Relationship Between Online Harmful Behaviors and Social Network Message Writing Style

In this paper, we explore the relationship between an individual's writing style and the risk that they will engage in online harmful behaviors (such as cyberbullying). In particular, we consider whether measurable differences in writing style relate to different personality types, as modeled by the Big-Five personality traits and the Dark Triad traits, and can differentiate between users who do or do not engage in harmful behaviors. We study messages from nearly 2,500 users from two online communities (Twitter and Reddit) and find that we can measure significant personality differences between regular and harmful users from the writing style of as few as 100 tweets or 40 Reddit posts, aggregate these values to distinguish between healthy and harmful communities, and also use style attributes to predict which users will engage in harmful behaviors.

cs.CL↗

arXiv2022

Cambrian Explosion Algorithm for Multi-Objective Association Rules Mining

Association rule mining is one of the most studied research fields of data mining, with applications ranging from grocery basket problems to highly explainable classification systems. Classical association rule mining algorithms have several flaws especially with regards to their execution times, memory usage and number of rules produced. An alternative is the use of meta-heuristics, which have been used on several optimisation problems. This paper has two objectives. First, we provide a comparison of the performances of state-of-the-art meta-heuristics on the association rule mining problem. We use the multi-objective versions of those algorithms using support, confidence and cosine. Second, we propose a new algorithm designed to mine rules efficiently from massive datasets by exploring a large variety of solutions, akin to the explosion of species diversity of the Cambrian Explosion. We compare our algorithm to 20 benchmark algorithms on 22 real-world data-sets, and show that our algorithm present good results and outperform several state-of-the-art algorithms.

cs.NE↗