This story was originally published on HackerNoon at: https://hackernoon.com/why-financial-rag-needs-more-than-better-embeddings.
Why RAG fails on financial documents even with perfect retrieval, and three architectural fixes: layout-aware parsing, multi-vector retrieval, and routing math.
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Even with perfect retrieval, a leading model gets 15% of financial questions wrong. In a realistic setup, that number hits 81%. The reason is structural, every stage of a standard RAG pipeline flattens the table, page, or question it's handed. Three fixes, one per seam.