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

arXiv: https://arxiv.org/abs/2509.23259 · HTML: https://mlsanity.com/paper/2509.23259/

## Key facts

- No citing papers in the map yet (data through 14 Oct 2026).
- Builds on 17 of its 28 references that are in the map.
- First posted on arXiv 27 Sep 2025.

## Builds on (most cited first, 17 of 17)

- [BERT: Pre-training of Deep Bidirectional Transformers for Language Understanding](https://mlsanity.com/paper/1810.04805/) (2018)
- [LoRA: Low-Rank Adaptation of Large Language Models](https://mlsanity.com/paper/2106.09685/) (2021)
- [LLaMA: Open and Efficient Foundation Language Models](https://mlsanity.com/paper/2302.13971/) (2023)
- [RoBERTa: A Robustly Optimized BERT Pretraining Approach](https://mlsanity.com/paper/1907.11692/) (2019)
- [BART: Denoising Sequence-to-Sequence Pre-training for Natural Language Generation, Translation, and Comprehension](https://mlsanity.com/paper/1910.13461/) (2019)
- [SQuAD: 100,000+ Questions for Machine Comprehension of Text](https://mlsanity.com/paper/1606.05250/) (2016)
- [DeBERTa: Decoding-enhanced BERT with Disentangled Attention](https://mlsanity.com/paper/2006.03654/) (2020)
- [A large annotated corpus for learning natural language inference](https://mlsanity.com/paper/1508.05326/) (2015)
- [Leveraging Passage Retrieval with Generative Models for Open Domain Question Answering](https://mlsanity.com/paper/2007.01282/) (2020)
- [FinQA: A Dataset of Numerical Reasoning over Financial Data](https://mlsanity.com/paper/2109.00122/) (2021)
- [LLMs-as-Judges: A Comprehensive Survey on LLM-based Evaluation Methods](https://mlsanity.com/paper/2412.05579/) (2024)
- [ConvFinQA: Exploring the Chain of Numerical Reasoning in Conversational Finance Question Answering](https://mlsanity.com/paper/2210.03849/) (2022)
- [FinBERT: A Pretrained Language Model for Financial Communications](https://mlsanity.com/paper/2006.08097/) (2020)
- [MultiHiertt: Numerical Reasoning over Multi Hierarchical Tabular and Textual Data](https://mlsanity.com/paper/2206.01347/) (2022)
- [DocFinQA: A Long-Context Financial Reasoning Dataset](https://mlsanity.com/paper/2401.06915/) (2024)
- [Span-ConveRT: Few-shot Span Extraction for Dialog with Pretrained Conversational Representations](https://mlsanity.com/paper/2005.08866/) (2020)
- [KECP: Knowledge Enhanced Contrastive Prompting for Few-shot Extractive Question Answering](https://mlsanity.com/paper/2205.03071/) (2022)

## Abstract (arXiv)

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.