Governed Hierarchical Memory and Uncertainty-Triggered Routing for Cost-Efficient Financial Sentiment Decision Support

Financial decision-support systems must balance quality, cost, traceability, and controlled state reuse. Existing single-agent, retrieval-augmented, and always-on multi-agent pipelines leave the joint control of collaboration and shared-memory activation under-specified. The purpose of this study is to determine whether governed hierarchical memory with uncertainty-triggered routing can preserve financial sentiment quality while reducing coordination cost. We operationalize uncertainty with an input-derived ambiguity score: after a low-cost probe, below-threshold inputs short circuit, whereas flagged inputs escalate to governed collaboration. On the disjoint 2064-record remainder of Financial PhraseBank sentences_allagree, the proposed configuration achieves 0.9453 accuracy and 0.9364 macro-F1—within 0.0005 and 0.0006, respectively, of the direct baseline—while using 63.57% fewer tokens than always-on collaboration but 31.05% more than direct inference. Earlier 200-record development and agreement-shifted analyses are highly label-skewed and are treated as sensitivity evidence only. Ablations and trace audits identify routing as the measured source of efficiency; no isolated benchmark gain is attributable to the governance rule. Theoretically, the study separates computational activation from governed state reuse as control-plane mechanisms. Practically, managers can reserve collaboration for flagged inputs while retaining traceability, although the ambiguity proxy and governed-memory benefits require harder workflow validation.

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Publication Details

Journal
Systems
Published
2026-11-01
DOI
https://doi.org/10.3390/systems14111377
Primary Topic
Sentiment Analysis and Opinion Mining
Type
article
Field-Weighted Citation Impact
0.00
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article

Governed Hierarchical Memory and Uncertainty-Triggered Routing for Cost-Efficient Financial Sentiment Decision Support

Zhuting Yu, Lei Ai, Jianxing Zhang, Jiayu Cheng et al.
Systems
Sentiment Analysis and Opinion Mining
article

Governed Hierarchical Memory and Uncertainty-Triggered Routing for Cost-Efficient Financial Sentiment Decision Support

Zhuting Yu, Lei Ai, Jianxing Zhang, Jiayu Cheng, Xinyi Song, Bin Ma, Jianan Li
article en

Abstract

Financial decision-support systems must balance quality, cost, traceability, and controlled state reuse. Existing single-agent, retrieval-augmented, and always-on multi-agent pipelines leave the joint control of collaboration and shared-memory activation under-specified. The purpose of this study is to determine whether governed hierarchical memory with uncertainty-triggered routing can preserve financial sentiment quality while reducing coordination cost. We operationalize uncertainty with an input-derived ambiguity score: after a low-cost probe, below-threshold inputs short circuit, whereas flagged inputs escalate to governed collaboration. On the disjoint 2064-record remainder of Financial PhraseBank sentences_allagree, the proposed configuration achieves 0.9453 accuracy and 0.9364 macro-F1—within 0.0005 and 0.0006, respectively, of the direct baseline—while using 63.57% fewer tokens than always-on collaboration but 31.05% more than direct inference. Earlier 200-record development and agreement-shifted analyses are highly label-skewed and are treated as sensitivity evidence only. Ablations and trace audits identify routing as the measured source of efficiency; no isolated benchmark gain is attributable to the governance rule. Theoretically, the study separates computational activation from governed state reuse as control-plane mechanisms. Practically, managers can reserve collaboration for flagged inputs while retaining traceability, although the ambiguity proxy and governed-memory benefits require harder workflow validation.

SystemsVol. 14(11)
Zhejiang Sci-Tech University (CN), Chinese Academy of Sciences (CN), Shanghai Advanced Research Institute (CN), Institute of Optics and Electronics, Chinese Academy of Sciences (CN), University of Chinese Academy of Sciences (CN)
Openalex Percentile: Top 13%
Sentiment Analysis and Opinion Mining
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