{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2025,12,11]],"date-time":"2025-12-11T20:21:22Z","timestamp":1765484482158,"version":"build-2065373602"},"reference-count":0,"publisher":"IOS Press","isbn-type":[{"value":"9781643686318","type":"electronic"}],"license":[{"start":{"date-parts":[[2025,10,21]],"date-time":"2025-10-21T00:00:00Z","timestamp":1761004800000},"content-version":"unspecified","delay-in-days":0,"URL":"https:\/\/creativecommons.org\/licenses\/by-nc\/4.0\/"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2025,10,21]]},"abstract":"<jats:p>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 \u201cWith that money, you\u2019re going to change the world,\u201d 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.<\/jats:p>","DOI":"10.3233\/faia251334","type":"book-chapter","created":{"date-parts":[[2025,10,22]],"date-time":"2025-10-22T09:58:31Z","timestamp":1761127111000},"source":"Crossref","is-referenced-by-count":1,"title":["Fin-Ally: Pioneering the Development of an Advanced, Commonsense-Embedded Conversational AI for Money Matters"],"prefix":"10.3233","author":[{"ORCID":"https:\/\/orcid.org\/0000-0001-6608-0400","authenticated-orcid":false,"given":"Sarmistha","family":"Das","sequence":"first","affiliation":[{"name":"Department of Computer Science and Engineering, Indian Institute of Technology Patna, India"}]},{"given":"Priya","family":"Mathur","sequence":"additional","affiliation":[{"name":"Department of Computer Science and Engineering, Indian Institute of Technology Patna, India"}]},{"given":"Ishani","family":"Sharma","sequence":"additional","affiliation":[{"name":"Department of Computer Science and Engineering, Indian Institute of Technology Patna, India"}]},{"given":"Sriparna","family":"Saha","sequence":"additional","affiliation":[{"name":"Department of Computer Science and Engineering, Indian Institute of Technology Patna, India"}]},{"given":"Kitsuchart","family":"Pasupa","sequence":"additional","affiliation":[{"name":"School of Information Technology, King Mongkut\u2019s Institute of Technology Ladkrabang, Thailand"}]},{"given":"Alka","family":"Maurya","sequence":"additional","affiliation":[{"name":"CRISIL Limited, India"}]}],"member":"7437","container-title":["Frontiers in Artificial Intelligence and Applications","ECAI 2025"],"original-title":[],"link":[{"URL":"https:\/\/ebooks.iospress.nl\/pdf\/doi\/10.3233\/FAIA251334","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2025,10,22]],"date-time":"2025-10-22T09:58:31Z","timestamp":1761127111000},"score":1,"resource":{"primary":{"URL":"https:\/\/ebooks.iospress.nl\/doi\/10.3233\/FAIA251334"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2025,10,21]]},"ISBN":["9781643686318"],"references-count":0,"URL":"https:\/\/doi.org\/10.3233\/faia251334","relation":{},"ISSN":["0922-6389","1879-8314"],"issn-type":[{"value":"0922-6389","type":"print"},{"value":"1879-8314","type":"electronic"}],"subject":[],"published":{"date-parts":[[2025,10,21]]}}}