Vision-language models have displayed remarkable capabilities in multi-modal understanding and are increasingly used in critical applications where economic and practical deployment constraints prohibit re-training or fine-tuning. However, these models can also exhibit systematic biases that disproportionately affect protected demographic groups and existing approaches to addressing these biases require extensive model retraining and access to demographic attributes. There is a clear need to develop test-time adaptation (TTA) approaches that improve the fairness characteristics of pretrained models under distributional shift. In this paper, we evaluate how episodic TTA affects fairness in CLIP classification under subpopulation shifts and develop FairTPT, a novel fairness-aware episodic TTA method that jointly minimizes target marginal entropy while maximizing spurious marginal entropy through soft-prompt tuning. We find that standard episodic TTA generally exacerbates disparities between majority and minority groups, that blinding a model to spurious attributes without degrading target performance is inherently challenging, and that excessive blinding can lead to catastrophic forgetting. This model collapse can be prevented by monitoring test-time changes in target loss within the linear regime, while still achieving fairness improvements on reactive data and preserving overall performance. FairTPT outperforms all state-of-the-art episodic test-time debiasing methods and establishes a foundation for robust TTA, which is essential for achieving fairness in practice.
Yoann L. Launay, Parameswaran Kamalaruban, Tom Kempton et al.· 0 citations
Banks analyse sequential financial transaction data to perform many tasks, including fraud prevention, credit risk assessment and offer personalization. To improve the predictive accuracy of these tasks, Payments Foundation Models encode transaction sequence data as rich contextual embeddings, which can then be provided to task-specific models as features. However, these Foundation Models are not designed for flexible zero-shot reasoning across novel downstream prediction tasks, limiting their adaptability and utility. Existing LLM-based approaches to zero-shot prediction often fail to fully exploit the predictive signal within transaction data, while relying on costly text serialization or task-specific architectures that scale poorly. To address these limitations, we present the Multimodal Instruction Network for Transactions (MINT), a framework that connects a pretrained transaction sequence encoder to a decoder-only LLM through lightweight embedding injection, transaction-language alignment, and instruction tuning. We find that MINT achieves state-of-the-art predictive question-answering performance in both in-distribution and out-of-distribution questions, while substantially reducing input tokens, latency, and memory consumption compared to text-serialization baselines. Through comprehensive analyses of representations, alignment strategies, training data, and history length, we establish that compact transaction embeddings are a superior approach to transaction representation than text serialization for multimodal reasoning and zero-shot prediction tasks.
Parameswaran Kamalaruban, Viktor Drobnyi, Maeve Madigan et al.· 0 citations