Hyunbin Loh

Daewoo Park, Suho Park, Inseok Hong et al.

We present AI PB, a production-scale generative agent deployed in real retail finance. Unlike reactive chatbots that answer queries passively, AI PB proactively generates grounded, compliant, and user-specific investment insights. It integrates (i) a component-based orchestration layer that deterministically routes between internal and external LLMs based on data sensitivity, (ii) a hybrid retrieval pipeline using OpenSearch and the finance-domain embedding model, and (iii) a multi-stage recommendation mechanism combining rule heuristics, sequential behavioral modeling, and contextual bandits. Operating fully on-premises under Korean financial regulations, the system employs Docker Swarm and vLLM across 24 X NVIDIA H100 GPUs. Through human QA and system metrics, we demonstrate that grounded generation with explicit routing and layered safety can deliver trustworthy AI insights in high-stakes finance.

Youngnam Lee, Dongmin Shin, HyunBin Loh et al.

Student dropout prediction provides an opportunity to improve student engagement, which maximizes the overall effectiveness of learning experiences. However, researches on student dropout were mainly conducted on school dropout or course dropout, and study session dropout in a mobile learning environment has not been considered thoroughly. In this paper, we investigate the study session dropout prediction problem in a mobile learning environment. First, we define the concept of the study session, study session dropout and study session dropout prediction task in a mobile learning environment. Based on the definitions, we propose a novel Transformer based model for predicting study session dropout, DAS: Deep Attentive Study Session Dropout Prediction in Mobile Learning Environment. DAS has an encoder-decoder structure which is composed of stacked multi-head attention and point-wise feed-forward networks. The deep attentive computations in DAS are capable of capturing complex relations among dynamic student interactions. To the best of our knowledge, this is the first attempt to investigate study session dropout in a mobile learning environment. Empirical evaluations on a large-scale dataset show that DAS achieves the best performance with a significant improvement in area under the receiver operating characteristic curve compared to baseline models.

Youngnam Lee, Youngduck Choi, Junghyun Cho et al.

Machine learning plays an increasing role in intelligent tutoring systems as both the amount of data available and specialization among students grow. Nowadays, these systems are frequently deployed on mobile applications. Users on such mobile education platforms are dynamic, frequently being added, accessing the application with varying levels of focus, and changing while using the service. The education material itself, on the other hand, is often static and is an exhaustible resource whose use in tasks such as problem recommendation must be optimized. The ability to update user models with respect to educational material in real-time is thus essential; however, existing approaches require time-consuming re-training of user features whenever new data is added. In this paper, we introduce a neural pedagogical agent for real-time user modeling in the task of predicting user response correctness, a central task for mobile education applications. Our model, inspired by work in natural language processing on sequence modeling and machine translation, updates user features in real-time via bidirectional recurrent neural networks with an attention mechanism over embedded question-response pairs. We experiment on the mobile education application SantaTOEIC, which has 559k users, 66M response data points as well as a set of 10k study problems each expert-annotated with topic tags and gathered since 2016. Our model outperforms existing approaches over several metrics in predicting user response correctness, notably out-performing other methods on new users without large question-response histories. Additionally, our attention mechanism and annotated tag set allow us to create an interpretable education platform, with a smart review system that addresses the aforementioned issue of varied user attention and problem exhaustion.