Search arXiv⌕ Search
Home/Archive/arXiv

arXiv · 2604.17979

Architecture Matters More Than Scale: A Comparative Study of Retrieval and Memory Augmentation for Financial QA Under SME Compute Constraints

Jianan Liu·Jing Yang·Xianyou Li·Weiran Yan·Yichao Wu·Penghao Liang·Mengwei Yuan
View original source ↗Read source document ↗Export metadata ↓

Abstract

The rapid adoption of artificial intelligence (AI) and large language models (LLMs) is transforming financial analytics by enabling natural language interfaces for reporting, decision support, and automated reasoning. However, limited empirical understanding exists regarding how different LLM-based reasoning architectures perform across realistic financial workflows, particularly under the cost, accuracy, and compliance constraints faced by small and medium-sized enterprises (SMEs). SMEs typically operate within severe infrastructure constraints, lacking cloud GPU budgets, dedicated AI teams, and API-scale inference capacity, making architectural efficiency a first-class concern. To ensure practical relevance, we introduce an explicit SME-constrained evaluation setting in which all experiments are conducted using a locally hosted 8B-parameter instruction-tuned model without cloud-scale infrastructure. This design isolates the impact of architectural choices within a realistic deployment environment. We systematically compare four reasoning architectures: baseline LLM, retrieval-augmented generation (RAG), structured long-term memory, and memory-augmented conversational reasoning across both FinQA and ConvFinQA benchmarks. Results reveal a consistent architectural inversion: structured memory improves precision in deterministic, operand-explicit tasks, while retrieval-based approaches outperform memory-centric methods in conversational, reference-implicit settings. Based on these findings, we propose a hybrid deployment framework that dynamically selects reasoning strategies to balance numerical accuracy, auditability, and infrastructure efficiency, providing a practical pathway for financial AI adoption in resource-constrained environments.

Explore related subjects

cs.IR

Keep this discovery

Explore connections, maps & timelines

BibTeXRIS

Jianan Liu, Jing Yang, Xianyou Li, Weiran Yan, Yichao Wu, Penghao Liang, Mengwei Yuan. 2026-05-10. Architecture Matters More Than Scale: A Comparative Study of Retrieval and Memory Augmentation for Financial QA Under SME Compute Constraints. https://arxiv.org/abs/2604.17979

Cite the original work for its findings. Save a collection to share your selection of sources.

KEEP EXPLORING

Related papers

arXiv2026

Do Large Language Models Favor Recent Content? A Study on Recency Bias in LLM-Based Reranking

Large language models (LLMs) are increasingly deployed in information systems, including being used as second-stage rerankers in information retrieval pipelines, yet their susceptibility to recency bias has received little attention. We investigate whether LLMs implicitly favour newer documents by prepending artificial publication dates to passages in the TREC Deep Learning passage retrieval collections in 2021 (DL21) and 2022 (DL22). Across seven models, GPT-3.5-turbo, GPT-4o, GPT-4, LLaMA-3 8B/70B, and Qwen-2.5 7B/72B, "fresh" passages are consistently promoted, shifting the Top-10's mean publication year forward by up to 4.78 years and moving individual items by as many as 95 ranks in our listwise reranking experiments. Although larger models attenuate the effect, none eliminate it. We also observe that the preference of LLMs between two passages with an identical relevance level can be reversed by up to 25% on average after date injection in our pairwise preference experiments. These findings provide quantitative evidence of a pervasive recency bias in LLMs and highlight the importance of effective bias-mitigation strategies.

cs.IR↗
arXiv2026

UniRec: Cross-stage Multi-Task Fusion with Preference Alignment for Cascaded Recommender Systems

Industrial recommender systems cascade stages with different objectives, feature spaces, and latency constraints. Optimizing pre-ranking and ranking separately induces cross-stage inconsistency: upstream models may filter out items preferred by downstream rankers, while independently tuned downstream fusion can offset upstream improvements. Most existing multi-task fusion methods target the ranking stage alone, and cross-stage methods often align with a downstream-derived score, leaving joint optimization of fusion modules across cascaded stages largely unexplored. We propose UniRec, a Unified Cross-stage Recommendation Fusion model. First, the two fusion agents partially share input embeddings in a single computation graph, allowing gradients from either stage to propagate through the shared representations. Second, a dual-axis preference alignment objective coordinates the two stages: horizontally, a compact aggregation term reorganizes dozens of pairwise objectives over heterogeneous prior signals into bidirectional preference evidence; vertically, a cross-stage consistency term transfers downstream pairwise preferences to the upstream fusion score. Third, we introduce attribute group-relative regularization, which computes relative advantages and normalizes policy updates within each attribute group, ensuring that uniformly promoting all items in a high-reward group provides no additional optimization gain. Offline experiments demonstrate UniRec consistently outperforms single-stage fusion and cross-stage coordination baselines; online A/B experiments show a 0.616% gain in app usage duration. UniRec has been fully deployed on the Kuaishou platform.

cs.IR↗
arXiv2026

Scaling Articulated Rationales for MLLM-based Recommendation

We presented SARA, an industrial framework that transforms sparse articulated user rationales into scalable recommendation signals. Its data engine curates questionnaire responses into SARA-HQ, providing explicit preference supervision for aligning SARA-7B through SFT and Quality-Refining DPO. This alignment extends rationale generation from $86{,}564$ questionnaire-covered authors to the full $10$M-author space. SARA-Ranker translates the generated positive and negative rationales into features for user--author interaction modeling and negative-feedback history modeling, connecting articulated reasons to production ranking. Evaluation on unseen authors demonstrates that SARA-7B generates more specific, relevant, and grounded rationales than the evaluated general-purpose MLLMs. On top of a strong industrial ranking baseline with multimodal features, separate online A/B tests show that positive-rationale integration increases watch time by $0.99\%$, while negative-rationale integration reduces Hate feedback by $8.16\%$. Daily refresh and more than $30$ days of production deployment further demonstrate the operational feasibility of the approach. These findings establish articulated rationales as a useful complement to behavioral and content signals, and demonstrate a practical role for MLLMs in scaling sparse human explanations into preference information that improves industrial recommendation.

cs.IR↗