FinRAG-12B is a production-deployed 12B model for banking that grounds answers with citations, refuses unanswerable queries at a calibrated 12% rate, outperforms GPT-4.1 on grounding, and improves query resolution by 7.1 points across 40+ institutions at 20-50x lower cost.
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FinRAG-12B: A Production-Validated Recipe for Grounded Question Answering in Banking
FinRAG-12B is a production-deployed 12B model for banking that grounds answers with citations, refuses unanswerable queries at a calibrated 12% rate, outperforms GPT-4.1 on grounding, and improves query resolution by 7.1 points across 40+ institutions at 20-50x lower cost.