arXiv subjects

Yujian Long

Publications and source records attributed to Yujian Long.

3 recordsLinked to original sources

arXiv2026

GRACE: Grounded Reasoning via Adapter Composition and Evidence-Aware Calibration for Educational Visual Question Answering

Educational visual question answering, or VQA, requires models to solve curriculum-oriented multiple-choice questions using both language and visual evidence. Compared with conventional open-ended VQA, educational examples often include structured assessment metadata, diagrams or image contexts, and semantically close answer options, creating strong opportunities for question-option shortcuts. We develop and evaluate a parameter-efficient adaptation framework for a frozen multimodal large language model in this setting. We introduce GRACE, Grounded Reasoning via Adapter Composition and Evidence-Aware Calibration, a framework that uses the pedagogical state of each question to specialize lightweight language and vision adaptation. The state combines inference-visible subject, grouped skill, grade, visual-context, question-intent, and option-structure cues. GRACE uses factor-specific prompts and lightweight visual adapters, then applies evidence-aware option calibration to score all candidates under a shared multimodal context. On ScienceQA, GRACE improves a shared-adapter baseline from 90.5 percent to 93.1 percent overall accuracy and from 88.7 percent to 91.2 percent on image-context questions. Removing pedagogical composition, option calibration, or the visual adapter reduces overall accuracy by 1.4, 1.0, and 1.5 points, respectively. These controlled results show that structured educational state is an effective routing signal for parameter-efficient multimodal adaptation.

cs.MM↗

arXiv2024

An Integrated Machine Learning and Deep Learning Framework for Credit Card Approval Prediction

Credit scoring is vital in the financial industry, assessing the risk of lending to credit card applicants. Traditional credit scoring methods face challenges with large datasets and data imbalance between creditworthy and non-creditworthy applicants. This paper introduces an advanced machine learning and deep learning framework to improve the accuracy and reliability of credit card approval predictions. We utilized extensive datasets of user application records and credit history, implementing a comprehensive preprocessing strategy, feature engineering, and model integration. Our methodology combines neural networks with an ensemble of base models, including logistic regression, support vector machines, k-nearest neighbors, decision trees, random forests, and gradient boosting. The ensemble approach addresses data imbalance using Synthetic Minority Over-sampling Technique (SMOTE) and mitigates overfitting risks. Experimental results show that our integrated model surpasses traditional single-model approaches in precision, recall, F1-score, AUC, and Kappa, providing a robust and scalable solution for credit card approval predictions. This research underscores the potential of advanced machine learning techniques to transform credit risk assessment and financial decision-making.

cs.CE↗

arXiv2024

Improving Academic Skills Assessment with NLP and Ensemble Learning

This study addresses the critical challenges of assessing foundational academic skills by leveraging advancements in natural language processing (NLP). Traditional assessment methods often struggle to provide timely and comprehensive feedback on key cognitive and linguistic aspects, such as coherence, syntax, and analytical reasoning. Our approach integrates multiple state-of-the-art NLP models, including BERT, RoBERTa, BART, DeBERTa, and T5, within an ensemble learning framework. These models are combined through stacking techniques using LightGBM and Ridge regression to enhance predictive accuracy. The methodology involves detailed data preprocessing, feature extraction, and pseudo-label learning to optimize model performance. By incorporating sophisticated NLP techniques and ensemble learning, this study significantly improves the accuracy and efficiency of assessments, offering a robust solution that surpasses traditional methods and opens new avenues for educational technology research focused on enhancing core academic competencies.

cs.CL↗