# Language-Routed RAG and Direct Option Scoring for Multilingual Financial QA: DS@GT at FinMMEval

arXiv: https://arxiv.org/abs/2607.22841 · HTML: https://mlsanity.com/paper/2607.22841/

## Key facts

- No citing papers in the map yet (data through 14 Oct 2026).
- Placed in Legal and financial RAG, one of 15 directions in Retrieval-augmented generation.
- Builds on 12 of its 16 references that are in the map.
- First posted on arXiv 24 Jul 2026.

## Placed in

- Retrieval-augmented generation / [Legal and financial RAG](https://mlsanity.com/rag/legal-and-financial-rag/)

## Builds on (most cited first, 12 of 12)

- [Language Models are Few-Shot Learners](https://mlsanity.com/paper/2005.14165/) (2020)
- [The Llama 3 Herd of Models](https://mlsanity.com/paper/2407.21783/) (2024)
- [Retrieval-Augmented Generation for Knowledge-Intensive NLP Tasks](https://mlsanity.com/paper/2005.11401/) (2020)
- [Measuring Massive Multitask Language Understanding](https://mlsanity.com/paper/2009.03300/) (2020)
- [On Calibration of Modern Neural Networks](https://mlsanity.com/paper/1706.04599/) (2017)
- [Billion-scale similarity search with GPUs](https://mlsanity.com/paper/1702.08734/) (2017)
- [Leveraging Passage Retrieval with Generative Models for Open Domain Question Answering](https://mlsanity.com/paper/2007.01282/) (2020)
- [M3-Embedding: Multi-Linguality, Multi-Functionality, Multi-Granularity Text Embeddings Through Self-Knowledge Distillation](https://mlsanity.com/paper/2402.03216/) (2024)
- [PIXIU: A Large Language Model, Instruction Data and Evaluation Benchmark for Finance](https://mlsanity.com/paper/2306.05443/) (2023)
- [FinBen: A Holistic Financial Benchmark for Large Language Models](https://mlsanity.com/paper/2402.12659/) (2024)
- [BizBench: A Quantitative Reasoning Benchmark for Business and Finance](https://mlsanity.com/paper/2311.06602/) (2023)
- [CFinBench: A Comprehensive Chinese Financial Benchmark for Large Language Models](https://mlsanity.com/paper/2407.02301/) (2024)

## Abstract (arXiv)

We present DS@GT's submission to FinMMEval 2026 Task 1, a multilingual financial exam question answering benchmark spanning English, Spanish, Greek, Chinese, and Hindi. Financial certification exams such as the CFA, EFPA, and CPA demand structured domain reasoning that standard NLP benchmarks do not capture, and this challenge compounds across languages where retrieval and representation infrastructure is underdeveloped. We build a retrieval-augmented pipeline on LangGraph that detects query language and retrieves semantically relevant exemplars from a 30,209-entry multilingual knowledge base using BGE-M3 embeddings and FAISS indexing. The system then scores answers via Retrieval-Augmented Direct Scoring (RADS), reading next-token log-probabilities over candidate option letters rather than generating free-form output. For low-resource languages, we fuse per-language and cross-lingual retrieval indices using weighted Reciprocal Rank Fusion. Model selection is language-routed: Qwen3-14B for Arabic, Chinese, and Hindi; Qwen2.5-14B for English; and Llama-3.1-8B for Greek, a routing derived from empirical ablations that reveal substantial language-asymmetric performance gaps. Notably, chain-of-thought prompting significantly degrades Greek accuracy (90.7% to 20.9%), and enabling Qwen3's default thinking mode collapses Arabic RADS performance to near-chance levels. Our results indicate that effective multilingual financial reasoning requires language-aware retrieval, model routing, and deliberate scoring strategy selection.