MINT: A Universal Zero-Shot Predictor for Transaction Data

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.

LLM-Guided Retrieval for Prediction of Molecular Perturbation Responses

Predicting transcriptomic responses to small-molecule perturbations across cell lines is central to drug discovery, but exhaustive profiling of drug-cell combinations is infeasible. We frame molecular perturbation prediction as retrieve-and-aggregate: approximate an unmeasured drug's response in a cell line by aggregating measured responses of a small set of biologically related compounds. We propose LLM-Guided Retrieval (LGR), where a large language model (LLM) ranks candidate neighbor drugs (restricted to those profiled in the target cell line); after which a fixed mean aggregator combines their observed expression deltas to form the prediction. We evaluate on the Tahoe-100M single-cell perturbation atlas under unseen-drug, unseen-cell-line, and open-world regimes. LGR consistently improves over drug mean, ChemCPA, and chemistry-based kNN baselines, with the strongest gains for unseen cell-line generalization, where it achieves higher correlation and lower error than mean baselines. Across settings, LGR improves directional (sign) accuracy of gene regulation, indicating better recovery of biologically meaningful perturbation effects even when magnitude-based metrics are similar. These results suggest that retrieval quality, rather than predictor complexity, is a key driver of zero-shot molecular perturbation prediction, and that LLMs can provide a useful biological prior when used as constrained retrieval modules.

Can Zero-Shot LLMs Predict Child Malnutrition? A Fairness and Temporal Robustness Study

Child malnutrition remains a major public health challenge in low- and middle-income countries, particularly in South Asia, where early identification of vulnerable children is critical for timely intervention and resource allocation. This study aims to evaluate the feasibility, fairness, and temporal robustness of using a pretrained large language model (LLM) in a zero-shot setting for child stunting prediction using population health survey data. Using Bangladesh Demographic and Health Survey (BDHS) data collected between 2007 and 2022, we transformed maternal, child, healthcare, and household characteristics into semantically interpretable prompt-based representations and evaluated GPT-4o-mini for zero-shot stunting prediction, comparing its performance against a random forest baseline and assessing fairness across demographic and socioeconomic groups as well as temporal robustness across survey waves. The results demonstrate that zero-shot inference using GPT-4o-mini achieved comparable balanced accuracy to the supervised baseline while exhibiting substantially higher sensitivity for identifying stunting cases, relatively consistent performance across child sex groups, and stable predictive behaviour across BDHS waves; however, important fairness disparities were observed across residence and household wealth categories, highlighting the need for further investigation before deployment of foundation models in public health prediction settings.

From Cellular Responses to Pharmacological Domains: Multimodal Zero-Shot Drug Representation Learning

Multimodal drug discovery enables drug representation learning beyond chemical structure by incorporating cellular responses such as gene expression and cell morphology. However, direct fusion and instance-level contrastive alignment may mix mechanism-related signals with modality-specific noise and incorrectly separate structurally dissimilar but biologically related compounds. This limitation can obscure transferable mechanism patterns required for predicting the properties of unseen compounds. We introduce PMRD, a pharmacological response domain-guided framework for multimodal zero-shot drug property prediction. PMRD separates mechanism-consistent factors from modality-specific information and constructs a consensus response domain across three modalities. Mechanism candidate augmentation identifies locally stable factors, while retrieval-geometry attribution dynamically reweights the alignment and augmentation objectives according to whether their updates preserve inter-drug discriminability.This feedback suppresses training signals that conflict with mechanism-discriminative retrieval. PMRD further combines complementary representations through reliability-aware multiview retrieval. Experiments on public datasets show improved zero-shot property prediction and more biologically coherent drug neighborhoods. Hard-negative analysis further indicates fewer conflicts between structurally dissimilar but response-related compounds. These results support PMRD as an effective framework for mechanism-aware multimodal drug representation learning.\footnote{The code will be released upon publication.}

Topological Out-of-Domain Generalization in Dynamical Systems Reconstruction

Predicting the behavior of dynamical systems (DS) beyond the dynamical and parameter regimes observed in training is a pivotal and essentially unresolved problem in scientific ML. It is central to any good scientific theory, which we expect to be able to make predictions about regimes not covered by currently available data. Recent hierarchical and hyper-network guided approaches for DS reconstruction (DSR) enable training on many DS simultaneously, and revealed that extracted latent features are often related to crucial control parameters of the underlying DS that varied across the training corpus. However, true out-of-domain forecasting abilities of these models, e.g., across tipping points, remain limited, and fine-tuning, or even full model retraining, on time series from the new dynamical regime is usually required. Here, we mathematically analyze the root of these limitations in previous model formulations and identify three core shortcomings rooted in a mismatch between structural assumptions of the reconstruction model and typical properties of physical systems. We propose a combination of remedies for these shortcomings, most importantly feature splitting, and furthermore derive a closed-form bound on the reliable extrapolation range. We demonstrate empirically that our techniques allow for accurate zero-shot prediction into new dynamical regimes, outside the observed training regime, as, e.g., encountered across tipping points.

Reading between the Lines: Leveraging Large Language Models for Global Dementia and Depression Assessment from Clinical Interviews

Dementia and depression are the most prevalent neuropsychiatric disorders in geriatric populations, and their overlapping symptoms pose major challenges for differential diagnosis. In this study, we investigate open-weights Large Language Models (LLMs) for predicting dementia and depression severity from speech samples collected during standardized history taking interviews with 154 German-speaking subjects. We introduce an observer-based Global Depression Scale (GDS-D) aligned with the established Global Deterioration Scale (GDS), enabling parallel global staging of affective and cognitive symptoms. We compare three LLMs (Mistral 3.1, DeepHermes, Qwen3) in two settings: (1) zero-shot prediction and (2) LLM-based feature extraction for Support Vector Regression, using human and pause-enriched transcripts. Results show that LLMs effectively predict depression severity in zero-shot settings (best MAE of 0.60), while dementia assessment benefits substantially from structured feature extraction (best MAE of 0.78), reducing errors by up to 35% over zero-shot baselines. Pause-enriched transcripts achieve competitive performance with human transcriptions, demonstrating the viability of fully automatic screening pipelines for differential neuropsychiatric assessment.