Analog Optical Inference on Million-Record Mortgage Data

Fuente: arXiv
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Hauptverfasser: Berloff, Sofia, Koptev, Pavel, Malkov, Konstantin
Format: Preprint
Veröffentlicht: 2026
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author Berloff, Sofia
Koptev, Pavel
Malkov, Konstantin
author_facet Berloff, Sofia
Koptev, Pavel
Malkov, Konstantin
contents Analog optical computers promise large efficiency gains for machine learning inference, yet no demonstration has moved beyond small-scale image benchmarks. We benchmark the analog optical computer (AOC) digital twin on mortgage approval classification from 5.84 million U.S. HMDA records and separate three sources of accuracy loss. On the original 19 features, the AOC reaches 94.6% balanced accuracy with 5,126 parameters (1,024 optical), compared with 97.9% for XGBoost; the 3.3 percentage-point gap narrows by only 0.5pp when the optical core is widened from 16 to 48 channels, suggesting an architectural rather than hardware limitation. Restricting all models to a shared 127-bit binary encoding drops every model to 89.4--89.6%, with an encoding cost of 8pp for digital models and 5pp for the AOC. Seven calibrated hardware non-idealities impose no measurable penalty. The three resulting layers of limitation (encoding, architecture, hardware fidelity) locate where accuracy is lost and what to improve next.
format Preprint
id arxiv_https___arxiv_org_abs_2604_13251
institution arXiv
publishDate 2026
record_format arxiv
spellingShingle Analog Optical Inference on Million-Record Mortgage Data
Berloff, Sofia
Koptev, Pavel
Malkov, Konstantin
Machine Learning
Emerging Technologies
Neural and Evolutionary Computing
Analog optical computers promise large efficiency gains for machine learning inference, yet no demonstration has moved beyond small-scale image benchmarks. We benchmark the analog optical computer (AOC) digital twin on mortgage approval classification from 5.84 million U.S. HMDA records and separate three sources of accuracy loss. On the original 19 features, the AOC reaches 94.6% balanced accuracy with 5,126 parameters (1,024 optical), compared with 97.9% for XGBoost; the 3.3 percentage-point gap narrows by only 0.5pp when the optical core is widened from 16 to 48 channels, suggesting an architectural rather than hardware limitation. Restricting all models to a shared 127-bit binary encoding drops every model to 89.4--89.6%, with an encoding cost of 8pp for digital models and 5pp for the AOC. Seven calibrated hardware non-idealities impose no measurable penalty. The three resulting layers of limitation (encoding, architecture, hardware fidelity) locate where accuracy is lost and what to improve next.
title Analog Optical Inference on Million-Record Mortgage Data
topic Machine Learning
Emerging Technologies
Neural and Evolutionary Computing
url https://arxiv.org/abs/2604.13251