financial service teams

Abstract: Software delegates more of its branches to models every year: which queue a ticket enters, whether a command is safe to run, whether a claim clears without a person. What the program needs back is not prose. It is one of n declared options and a number it can threshold. Today that costs a round trip to a frontier model -- hundreds of milliseconds, a per-token bill, and a parser -- for a question that is usually a conjunction of three clauses. this-that-model-1.0 is a 2B-parameter typed decision model. Its answer is read directly from the hidden state at a designated position and restricted to the option set the caller declared, so no text is generated, nothing can be malformed, and every question in a request is answered in the same forward pass. It decides in 30.9 ms on one laptop GPU and generates zero output tokens doing it, where a frontier API call costs 8758 ms and the hosted systems that answer these questions well spend between 21 and 212 generated tokens per question thinking first, billed for every one. It sustains 32 decisions per second on one consumer GPU and never lets the state leave the machine. On a third party's recorded cohort of 68 decision questions, on their inputs and their wording, it scores 0.941 with a Brier score of 0.042, against 0.765 and 0.133 for the hosted service Jev on the same items. One pass of our 42-family internal suite takes 32 seconds and 0.000217 USD of electricity; the most accurate hosted model we measured needs 155.2 minutes and 10.636 USD. We also report where it loses. On multi-step arithmetic, which a single forward pass cannot carry intermediate results through, it scores 0.560 against their 0.98 to 1.00, and a targeted second training round improved the five task families it was written for and transferred to none of the other 13. The model is open-sourced in https://huggingface.co/flock-io/this-that-model-1.0

Abstract: Algorithmic recourse methods typically assume that a predictive model has access to all features of an individual. In practice, decisions are often made with partial information, because features are costly to acquire. Active feature acquisition addresses cost-constrained prediction, but existing methods are explanation-agnostic: prior work provides explanations only after acquiring additional features, rather than using explanations to drive acquisition. This work flips that and treats algorithmic recourse and feature acquisition jointly. We use Markov Blanket theory to unify counterfactual, semifactual, and alterfactual explanations and to characterize how available recourse grows as features are acquired. Building on this framework, we propose an Explanation-Driven Feature Acquisition (EDFA) method that selects features by explanatory value per unit cost. The framework is further extended with distribution-free validity guarantees for recourse issued from partial information, which signal trustworthy, lower-cost recourse, along with a lower bound on the calibration data required to certify them. Experiments on 7 publicly available datasets with neural network-based predictive models show that EDFA acquires substantially fewer features than state-of-the-art AFA baselines while maintaining comparable accuracy and yielding more decision-relevant, actionable recourse. The implementation is available on GitHub.