Md Rafiqul Islam

Sadia Sultana Chowa, Riasad Alvi, Subhey Sadi Rahman et al.

The pursuit of human-level artificial intelligence (AI) has significantly advanced the development of autonomous agents and Large Language Models (LLMs). LLMs are now widely utilized as decision-making agents for their ability to interpret instructions, manage sequential tasks, and adapt through feedback. This review examines recent developments in employing LLMs as autonomous agents and tool users and comprises seven research questions. We only used the papers published between 2023 and 2025 in conferences of the A* and A rank and Q1 journals. A structured analysis of the LLM agents' architectural design principles, dividing their applications into single-agent and multi-agent systems, and strategies for integrating external tools is presented. In addition, the cognitive mechanisms of LLM, including reasoning, planning, and memory, and the impact of prompting methods and fine-tuning procedures on agent performance are also investigated. Furthermore, we evaluated current benchmarks and assessment protocols and have provided an analysis of 68 publicly available datasets to assess the performance of LLM-based agents in various tasks. In conducting this review, we have identified critical findings on verifiable reasoning of LLMs, the capacity for self-improvement, and the personalization of LLM-based agents. Finally, we have discussed ten future research directions to overcome these gaps.

David Hason Rudd, Huan Huo, Md Rafiqul Islam et al.

In todays competitive landscape, businesses grapple with customer retention. Churn prediction models, although beneficial, often lack accuracy due to the reliance on a single data source. The intricate nature of human behavior and high dimensional customer data further complicate these efforts. To address these concerns, this paper proposes a multimodal fusion learning model for identifying customer churn risk levels in financial service providers. Our multimodal approach integrates customer sentiments financial literacy (FL) level, and financial behavioral data, enabling more accurate and bias-free churn prediction models. The proposed FL model utilizes a SMOGN COREG supervised model to gauge customer FL levels from their financial data. The baseline churn model applies an ensemble artificial neural network and oversampling techniques to predict churn propensity in high-dimensional financial data. We also incorporate a speech emotion recognition model employing a pre-trained CNN-VGG16 to recognize customer emotions based on pitch, energy, and tone. To integrate these diverse features while retaining unique insights, we introduced late and hybrid fusion techniques that complementary boost coordinated multimodal co learning. Robust metrics were utilized to evaluate the proposed multimodal fusion model and hence the approach validity, including mean average precision and macro-averaged F1 score. Our novel approach demonstrates a marked improvement in churn prediction, achieving a test accuracy of 91.2%, a Mean Average Precision (MAP) score of 66, and a Macro-Averaged F1 score of 54 through the proposed hybrid fusion learning technique compared with late fusion and baseline models. Furthermore, the analysis demonstrates a positive correlation between negative emotions, low FL scores, and high-risk customers.