Seeing the Credit Picture: A New Benchmark for Financial AI
Researchers have introduced a comprehensive dataset and evaluation framework to better assess the ability of artificial intelligence to understand and interpret financial credit information from both visual and textual sources.

![The fitted spectral-NN estimator, parameterized with [latex]M=L=10[/latex], a depth of 4, a width of 20, and [latex]q=20[/latex], demonstrates a capacity for modeling complex relationships within three-dimensional fMRI data, yet its very structure-like any theoretical framework-risks being swallowed by the inherent limitations of its own design.](https://arxiv.org/html/2601.00284v1/x1.png)




![The predicted melting curve of iron, derived from two-phase simulations, aligns with and refines existing data from diverse experimental studies [emcAnzellini2013,emcSinmyo2019,emcLi2020,emcKraus2022,emcBalugani2024] and computational investigations [aimcAlfe2009,aimcGonzalez2023,aimcSun2022,aimcSun2023,aimcBelonoshko2021,aimcStixrude2014,aimcAlfe2002,aimcBelonosko2000,aimcWu2024,aimcSola2009], demonstrating the model’s capacity to synthesize and potentially transcend established knowledge of iron’s behavior under extreme conditions.](https://arxiv.org/html/2512.25061v1/x3.png)
![Decomposition reveals distinct components-a background term [latex] \widetilde{\mathcal{M}} [/latex] and a perturbation term [latex] g [/latex]-each assessed against reference Maxwellian distributions characterized by varying anisotropy and isotropy, ultimately demonstrating how moment-matching techniques refine the approximation of complex systems as they evolve.](https://arxiv.org/html/2512.24205v1/x8.png)