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October 20, 20250 citationsOpen Access

Fin-ExBERT: User Intent based Text Extraction in Financial Context using Graph-Augmented BERT and trainable Plugin

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SSShorab Uddin SarkerARArjun Rai

Key Points

  • Fin-ExBERT achieves strong precision and F1 performance on real-world financial dialogue transcripts.
  • The two-stage training strategy employs progressive unfreezing to optimize model fine-tuning effectively.
  • Dynamic thresholding based on probability curvature circumvents the limitations of traditional fixed cutoffs.
  • The framework includes features for visualization and calibrated export, supporting robust financial dialogue mining.

Abstract

Financial dialogue transcripts pose a unique challenge for sentence-level information extraction due to their informal structure, domain-specific vocabulary, and variable intent density. We introduce Fin-ExBERT, a lightweight and modular framework for extracting user intent-relevant sentences from annotated financial service calls. Our approach builds on a domain-adapted BERT (Bidirectional Encoder Representations from Transformers) backbone enhanced with LoRA (Low-Rank Adaptation) adapters, enabling efficient fine-tuning using limited labeled data. We propose a two-stage training strategy with progressive unfreezing: initially training a classifier head while freezing the backbone, followed by gradual fine-tuning of the entire model with differential learning rates. To ensure robust extraction under uncertainty, we adopt a dynamic thresholding strategy based on probability curvature (elbow detection), avoiding fixed cutoff heuristics. Empirical results show strong precision and F1 performance on real-world transcripts, with interpretable output suitable for downstream auditing and question-answering workflows. The full framework supports batched evaluation, visualization, and calibrated export, offering a deployable solution for financial dialogue mining.

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Cite This Study

Sarker et al. (2025) studied this question.

synapsesocial.com/papers/68f6196ee0bbbc94fac36572https://doi.org/10.48550/arxiv.2509.23259
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Fine-Tuning and Explaining FinBERT for Sector-Specific Financial News: A Reproducible Workflow2025 · 2 citations
  2. 2FinBERT-QA: Financial Question Answering with pre-trained BERT Language Models2025
  3. 3FinTextSim: Enhancing Financial Text Analysis with BERTopic2025
  4. 4FinTextSim: a domain-specific sentence-transformer for extracting predictive latent topics from financial disclosures2026
  5. 5FinDeBERTaV2: Word-Segmentation-Free Pre-trained Language Model for Finance2024 · 4 citations