[R] 94.42% on BANKING77 Official Test Split with Lightweight Embedding + Example Reranking (strict full-train protocol)

BANKING77 (77 fine-grained banking intents) is a well-established but increasingly saturated intent classification benchmark. did this while using a lightweight embedding-based classifier + example reranking approach (no LLMs involved), I obtained 94.42% accuracy on the official PolyAI test split. Strict Full train protocol was used: Hyperparameter tuning / recipe selection performed via 5-fold stratified CV on the official