Predictive modeling is a core component of modern financial services, where a wide range of tasks are traditionally addressed using separate models trained on manually engineered tabular features. This task-specific approach limits reuse and makes it difficult to fully exploit heterogeneous data sources such as transaction histories and digital interaction signals. In this paper, we present an approach based on pretraining a foundation transformer model on multimodal sequences of user events. Events from multiple data sources are unified into a single chronological sequence, enabling early fusion of heterogeneous modalities and learning of general-purpose representations via a next-event prediction objective. These representations are combined with existing engineered user features, on top of which lightweight neural models are trained for multiple downstream tasks. The proposed system outperforms traditional task-specific models while reducing development overhead. The approach was deployed in production at one of the biggest banks in Eastern Europe, resulting in measurable improvements in business metrics.
Scientific discovery is increasingly shifting from isolated disciplines to multi-domain reasoning, and AI for science faces a similar transition. Existing systems are either specialised for individual domains or unify scientific data mainly through text tokenisation and prompt-ba…
Learning from few labeled examples is a central challenge in tabular machine learning, and it becomes the binding constraint in domains where labeling is costly, such as crowd monitoring during Hajj and Umrah. Tabular foundation models, which predict from only a handful of exampl…
Foundation models for predictive machine learning on tabular data have recently gained significant traction in academia and industry. Research communities across disciplines are increasingly evaluating tabular foundation models on diverse datasets and tasks. However, these task-…
Foundation Models for Electronic Health Records (FEMRs) are pretrained on large-scale structured patient data, enabling them to convert longitudinal patient trajectories into generalizable representations for diverse clinical prediction tasks. Despite their effectiveness, FEMRs r…
Foundation models for Earth systems have so far been trained primarily on physical climate and weather data, with limited representation of the human systems that both drive and respond to environmental change. The lack of a unified global training resource that combines climate,…
Tabular foundation models have advanced deep learning for tabular data by delivering strong default performance across many small and medium tasks. Yet in niche domains, where data is scarce, high-dimensional, and shifted from the pretraining distribution, they may still fail to…