SpeakPay: Domain-Adaptive LoRA Fine-Tuning of Whisper for Low-Resource Nepali Financial Speech Recognition

Mobile payment applications in Nepal are graphically mediated and largely inaccessible to visually impaired users. This paper presents SpeakPay, a voice-first digital wallet, and documents the central technical contribution: a controlled study of domain adaptation for low-resource financial speech recognition. We introduce NepFinSpeech-403, a 403-utterance dataset of Nepali financial voice commands (send, load, and balance operations spanning 237 unique numerals), and fine-tune Whisper large-v2 with LoRA. On the held-out test set, the domain-adapted model reduces Word Error Rate from 129.95% (zero-shot baseline) to 42.58% --- a 67.2% relative reduction --- and improves Devanagari numeral recognition accuracy from 0.0% to 73.9%. We find that word-level metrics understate the practical task-level impact: domain adaptation improves the Transaction Success Rate from 1.67% to 33.33%, a roughly 20x gain. The improvement is consistent at the individual-utterance level (sign test, $p < 10^{-17}$) and across all command types. A data efficiency analysis shows that as few as 100 domain-specific utterances are sufficient to halve the zero-shot WER, with performance plateauing around 300 examples. Error analysis reveals systematic numeral confusion patterns (zero insertion/deletion, prefix hallucination) that account for the majority of remaining transaction failures. The trained system is deployed as a publicly accessible voice-first web application. All code, dataset, model weights, and this paper are released at https://github.com/subedibiraj/speakpay.

Listen to the Latents: Self-Correcting Speech Recognition in Large Audio Language Models Through Hidden-State Interactions

Recent automatic speech recognition (ASR) systems increasingly integrate large language models (LLMs) to leverage their semantic knowledge, either externally through logit fusion or internally through warm initialization. However, how to effectively combine these two strategies remains underexplored. In this work, we refine warm-initialized LLM-based ASR models by leveraging their own pre-adaptation base LLMs, focusing on LoRA-adapted settings where the base LLM is preserved. To achieve this, we propose Hybrid Search, a targeted correction strategy motivated by two observations. First, interaction features that characterize the relationship between LLM-based ASR hidden states and base-LLM hidden states provide informative signals about a token's degree of semantic dependence. Second, selectively refining targeted tokens with high semantic dependence improves ASR performance far beyond naive global LLM-correction methods including rescoring and late fusion. Our analysis suggests that, even after semantic knowledge transfer through warm initialization, LLM-based ASR models can still leverage their base LLM to further improve inference-time performance.

Relative Time Intervals Representation for Word-level Timestamping with Masked Training

Although Speech Large Language Models (SpeechLLMs) excel at speech understanding and generation, their capacity for fine-grained, temporally aligned outputs remains underexplored. Our work addresses this gap by enabling SpeechLLMs to jointly model speech content and temporal structure, effectively transforming them from ``content understanding machines" into ``temporal-aware content understanding machines". Specifically, we replace traditional absolute timestamps with relative timestamps, achieving a more compact vocabulary and stronger generalization capabilities. To efficiently infuse timestamp prediction ability into pre-trained large language models, we introduce a hybrid fine-tuning strategy: full-parameter fine-tuning of the timestamp-augmented embedding layer and language model head, combined with LoRA fine-tuning of the decoder layers. Moreover, we design a masked timestamp training objective, preventing the model from over-relying on ground-truth timestamps, and thereby enhancing robustness against noisy real-world annotations. Extensive experiments demonstrate that our approach achieves significant improvements in timestamp prediction accuracy while maintaining strong speech transcription performance.

Robust Multi-Tier Infant-Centered Audio Understanding with Whisper via Structured Speaker Conditioning

Recent advances in model design and self-supervised audio representations have improved speech and audio understanding, yet infant-centered naturalistic recordings remain challenging due to limited labeled data, low signal-to-noise ratio, and cross-family domain shifts. We present a family-conditioned, multi-tier audio tagger that combines a LoRA-finetuned Whisper encoder with a lightweight, target-speaker-aware Transformer for long-context inference and framewise prediction across tiers. To improve temporal coherence, we incorporate a simple sequence-level smoothing loss, and to enhance robustness across households, we introduce a factorized speaker-token design with a shared tier token and a learned family-specific offset, reducing family bias and promoting generalizable representations. Together, these choices enable efficient and effective infant-centered audio tagging of daylong audio recordings in home environments.

MERaLiON-GR: Speech Gender Recognition Model for English and SEA Languages

We present MERaLiON-GR, a speech gender recognition system that performs binary classification (female / male) on English and Southeast Asian (SEA) languages. The model finetunes MERaLiON-SpeechEncoder-2, a large conformer based transformer pre-trained on a broad speech corpus, and applies parameter efficient fine-tuning via Low-Rank Adaptation (LoRA) to adapt the encoder to the gender recognition task, and appends a multi-scale ECAPA-TDNN down stream network with attention pooling and a lightweight linear classifier. Extensive evaluations across multilingual Singaporean and Southeast Asian languages (English, Chinese, Malay, Tamil, Thai, Vietnamese, Indonesian, and Khmer) show that MERaLiON-GR consistently surpasses the state-of-the-art gender recognition model Vox-Profile and a large Audio-LLM, in both full-utterance and segment level evaluation modes. The results underscore the value of dedicated speech models in achieving accurate paralinguistic understanding and strong cross-lingual generalization.

Enhancing Law-Enforcement Audio Transcription: A LoRA-Based Adaptation of Whisper for BWC Footage

Modern policing faces a "visibility paradox" where law enforcement agencies possess petabytes of Body-Worn Camera (BWC) footage that remains largely unutilized for accountability or systemic review due to the prohibitive labor costs of manual transcription. This research presents a framework for adapting the OpenAI Whisper architecture to the unique acoustic and linguistic challenges of the policing environment. By employing Parameter-Efficient Fine-Tuning (PEFT) through Low-Rank Adaptation (LoRA), we address the significant performance degradation observed in zero-shot models when confronted with high-stress scenarios, sirens, and radio interference. Crucially, we demonstrate that this adaptation is feasible on consumer-grade hardware (Acer Nitro local machine with NVIDIA 4GB GTX GPU) using 8-bit quantization and gradient checkpointing. We further integrate these transcriptions into a symbolic reasoning pipeline using a domain-specific ontology to transform raw audio into evidence-linked incident graphs, achieving a 93.7% lexicon mapping rate for the advancement of procedural justice and transparency.

Diarization-Guided Qwen-ASR Adaptation for Multilingual Two-Speaker Conversational Speech

This paper describes our self-designed system for Task 1 of the MLC-SLM 2026 Challenge for multilingual two-speaker conversational speech. The system combines a modular speaker diarization front end with a challenge-adapted Qwen3-ASR-1.7B recognizer. The diarization front end performs voice activity detection, subsegment generation, CAMPPlus speaker embedding extraction, two-speaker spectral clustering, and RTTM-based audio segmentation. The resulting speaker-attributed segments are grouped by language or region and decoded by the adapted ASR model. For ASR adaptation, we first perform supervised full fine-tuning on the official training data, then apply LoRA fine-tuning with synthetic speech generated by a three-pipeline TTS-based synthetic speech augmentation framework, and finally refine the model using GRPO reinforcement learning with rewards based on WER/CER and penalties for hallucination, repetition, and length deviation. On the official development set, the full system achieves an average tcpMER of 23.70, reducing the error rate by 6.83 absolute points relative to the released Qwen-ASR-1.7B performance. On the final evaluation set, the system achieves an average tcpMER of 17.97. Ablation results show that supervised fine-tuning provides the largest gain, while synthetic-speech LoRA adaptation and reinforcement learning further improve robustness.

Scaling Audio Models Efficiently: A Joint Study of Compute Constraints and Optimization Behavior

In this paper, we investigate the tradeoffs between compute allocation and model performance for two speech processing tasks: Automatic Speech Recognition (ASR) and Speech Emotion Recognition (SER). We propose a unified framework that analyzes three fundamental compute dimensions: model size ($x_N$), input length ($x_T$), and representation resolution ($x_V$). Motivated by recent advances in compute optimal scaling for multimodal models, we systematically vary these dimensions to examine their influence on task performance under fixed computational budgets. Our study provides insights into how compute resources can be optimally distributed across model capacity, temporal context, and representational granularity, offering practical guidelines for the design of efficient speech models. Through experiments on LibriSpeech and CREMA-D datasets, we demonstrate non-linear scaling behavior and identify optimal operating points. Our results show that (1) increasing model size yields diminishing returns: scaling Tiny (39M) to Small (244M) reduces WER by 8.22%, whereas Small to Medium (769M) reduces WER by only 2.35%; (2) an optimal audio duration of approximately 4 seconds exists for SER; and (3) reducing encoder token resolution provides an effective mechanism for lowering inference cost, Large-v3 (1540M) with 750 frames requires 2572 GFLOPS whereas with 1500 frames requires 5228 GFLOPS, with less than 3% relative increase in WER. Additionally, LoRA-based adaptation enables efficient finetuning with minimal performance degradation.

Contrastive Training with LLM-generated Near-Misses for Robust Code-Switching Speech Recognition

Code-switching (CS), the alternation between multiple languages within a single utterance, remains challenging for Automatic Speech Recognition (ASR). To address this issue, we propose a Point-of-Interest (POI)-aware contrastive training framework that improves recognition at CS-critical regions. We first identify CS spans by adopting POI detection method from literature, then construct acoustically plausible near-miss hypotheses by perturbing POIs in ASR N-best outputs and expanding candidates with a large language model. Hard but plausible negatives are retained through filtering with acoustic, phonemic, and textual constraints. Finally, we fine-tune Whisper-small with LoRA using a POI-weighted cross-entropy anchor objective together with a multi-negative contrastive ranking loss. Experiments on CS-FLEURS (cmn-eng) and ViMedCSS (vie-eng) show consistent reductions of over 2% in both general and CS-aware error rates compared to standard LoRA fine-tuning.

When Audio-Language Models Fail to Leverage Multimodal Context for Dysarthric Speech Recognition

Automatic speech recognition (ASR) systems remain brittle on dysarthric and other atypical speech. Recent audio-language models raise the possibility of improving performance by conditioning on additional clinical context at inference time, but it is unclear whether these models can make use of such information. We introduce a benchmark built on the Speech Accessibility Project (SAP) dataset that tests whether diagnosis labels, clinician-derived speech ratings, and progressively richer clinical descriptions improve transcription accuracy for dysarthric speech. Across matched comparisons on nine models, we find that current models do not meaningfully use this context: diagnosis-informed and clinically detailed prompts yield negligible improvements and often degrade word error rate. We complement the prompting analysis with context-dependent fine-tuning, showing that LoRA adaptation with a mixture of clinical prompt formats achieves a WER of 0.066, a 52% relative reduction over the frozen baseline, while preserving performance when context is unavailable. Subgroup analyses reveal significant gains for Down syndrome and mild-severity speakers. These results clarify where current models fall short and provide a testbed for measuring progress toward more inclusive ASR.