# Fin-Ally: Pioneering the Development of an Advanced, Commonsense-Embedded Conversational AI for Money Matters

arXiv: https://arxiv.org/abs/2509.24342 · HTML: https://mlsanity.com/paper/2509.24342/

## Key facts

- Cited by 1 papers in the map (data through 14 Oct 2026).
- Builds on 23 of its 37 references that are in the map.
- First posted on arXiv 29 Sep 2025.

## Builds on (most cited first, 23 of 23)

- [RoBERTa: A Robustly Optimized BERT Pretraining Approach](https://mlsanity.com/paper/1907.11692/) (2019)
- [Sentence-BERT: Sentence Embeddings using Siamese BERT-Networks](https://mlsanity.com/paper/1908.10084/) (2019)
- [Judging LLM-as-a-Judge with MT-Bench and Chatbot Arena](https://mlsanity.com/paper/2306.05685/) (2023)
- [BART: Denoising Sequence-to-Sequence Pre-training for Natural Language Generation, Translation, and Comprehension](https://mlsanity.com/paper/1910.13461/) (2019)
- [BERTScore: Evaluating Text Generation with BERT](https://mlsanity.com/paper/1904.09675/) (2019)
- [GPT-4o System Card](https://mlsanity.com/paper/2410.21276/) (2024)
- [ConceptNet 5.5: An Open Multilingual Graph of General Knowledge](https://mlsanity.com/paper/1612.03975/) (2016)
- [BloombergGPT: A Large Language Model for Finance](https://mlsanity.com/paper/2303.17564/) (2023)
- [FinQA: A Dataset of Numerical Reasoning over Financial Data](https://mlsanity.com/paper/2109.00122/) (2021)
- [TAT-QA: A Question Answering Benchmark on a Hybrid of Tabular and Textual Content in Finance](https://mlsanity.com/paper/2105.07624/) (2021)
- [FinanceBench: A New Benchmark for Financial Question Answering](https://mlsanity.com/paper/2311.11944/) (2023)
- [COMET-ATOMIC 2020: On Symbolic and Neural Commonsense Knowledge Graphs](https://mlsanity.com/paper/2010.05953/) (2020)
- [OpenChat: Advancing Open-source Language Models with Mixed-Quality Data](https://mlsanity.com/paper/2309.11235/) (2023)
- [ConvFinQA: Exploring the Chain of Numerical Reasoning in Conversational Finance Question Answering](https://mlsanity.com/paper/2210.03849/) (2022)
- [FinBen: A Holistic Financial Benchmark for Large Language Models](https://mlsanity.com/paper/2402.12659/) (2024)
- [InvestLM: A Large Language Model for Investment using Financial Domain Instruction Tuning](https://mlsanity.com/paper/2309.13064/) (2023)
- [FinGPT: Democratizing Internet-scale Data for Financial Large Language Models](https://mlsanity.com/paper/2307.10485/) (2023)
- [FinTextQA: A Dataset for Long-form Financial Question Answering](https://mlsanity.com/paper/2405.09980/) (2024)
- [Open-FinLLMs: Open Multimodal Large Language Models for Financial Applications](https://mlsanity.com/paper/2408.11878/) (2024)
- [FinTral: A Family of GPT-4 Level Multimodal Financial Large Language Models](https://mlsanity.com/paper/2402.10986/) (2024)
- [Evaluating LLMs' Mathematical Reasoning in Financial Document Question Answering](https://mlsanity.com/paper/2402.11194/) (2024)
- [FinLlama: Financial Sentiment Classification for Algorithmic Trading Applications](https://mlsanity.com/paper/2403.12285/) (2024)
- [FinRobot: AI Agent for Equity Research and Valuation with Large Language Models](https://mlsanity.com/paper/2411.08804/) (2024)

## Built on by (most cited first, 1 of 1)

- [FIND: Toward Multimodal Financial Reasoning and Question Answering for Indic Languages](https://mlsanity.com/paper/2605.13330/) (2026)

## Abstract (arXiv)

The exponential technological breakthrough of the FinTech industry has significantly enhanced user engagement through sophisticated advisory chatbots. However, large-scale fine-tuning of LLMs can occasionally yield unprofessional or flippant remarks, such as ``With that money, you're going to change the world,'' which, though factually correct, can be contextually inappropriate and erode user trust. The scarcity of domain-specific datasets has led previous studies to focus on isolated components, such as reasoning-aware frameworks or the enhancement of human-like response generation. To address this research gap, we present Fin-Solution 2.O, an advanced solution that 1) introduces the multi-turn financial conversational dataset, Fin-Vault, and 2) incorporates a unified model, Fin-Ally, which integrates commonsense reasoning, politeness, and human-like conversational dynamics. Fin-Ally is powered by COMET-BART-embedded commonsense context and optimized with a Direct Preference Optimization (DPO) mechanism to generate human-aligned responses. The novel Fin-Vault dataset, consisting of 1,417 annotated multi-turn dialogues, enables Fin-Ally to extend beyond basic account management to provide personalized budgeting, real-time expense tracking, and automated financial planning. Our comprehensive results demonstrate that incorporating commonsense context enables language models to generate more refined, textually precise, and professionally grounded financial guidance, positioning this approach as a next-generation AI solution for the FinTech sector. Dataset and codes are available at: https://github.com/sarmistha-D/Fin-Ally