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We test this hypothesis using a randomized control trial with 152 female microfinance groups in Tanzania, where treated groups were randomly switched from cash to mobile money loan repayment. This exogenous increase in women's use of mobile money leads women to expand their use for other types of transactions, including business payments and saving. Women's control over their finances increases and they are more empowered within the household. Over time, women's businesses become more profitable. 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Despite the apparent lack of explicit structure, they exhibit remarkable abilities to learn patterns, perform reasoning, and support decision-making. This apparent paradox raises a central question: what structure do these models recover from unstructured data, and how can we understand and use it?\n\nThis dissertation investigates how language models (i) represent structure through their architectures, (ii) learn structure from unstructured data, and (iii) enable us to leverage this learned structure for principled causal inference with unstructured data.\n\nThe first part develops a statistical perspective of attention mechanisms, the core building block of modern language models. We show that attention can be interpreted as adaptive mixture-of-experts models. This interpretation enables us to extend attention to model general exponential family-distributed data, making it capable of modeling complex, heterogeneous data beyond text. 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Our approach identifies causal variables directly within the representation space, enabling well-defined estimation of causal effects when treatments or outcomes are themselves unstructured. In particular, we isolate representation directions corresponding to the most causally influential treatment components and the most salient treatment-induced outcome variations.\n\nTogether, these results provide a unified perspective on how modern machine learning systems extract structure from unstructured data, and how that structure can be harnessed for rigorous statistical and causal analysis.", "occurrence_notes":null, "guid":"147382-21900950@events.umich.edu", "permalink":"http:\/\/events.umich.edu\/event\/147382", "building_id":"1000167", "building_name":"West Hall", "campus_maps_id":"163", "room":"438", "location_name":"West Hall", "has_livestream":0, "cost":"", "tags":["Dissertation"], "website":"", "sponsors":[ { "group_name":"Department of Statistics Dissertation Defenses", "group_id":"4045", "website":"" } ], "image_url":"", "styled_images":{ "event_thumb":"", "event_large":"", "event_large_2x":"", "event_large_lightbox":"", "group_thumb":"", "group_thumb_square":"", "group_large":"", "group_large_lightbox":"", "event_large_crop":"", "event_list":"", "event_list_2x":"", "event_grid":"", "event_grid_2x":"", "event_feature_large":"", "event_feature_thumb":"" }, "occurrence_count":1, "first_occurrence":21900950 } , "147143-21900424": { "datetime_modified":"20260414T163628", "datetime_start":"20260416T130000", "datetime_end":"20260416T140000", "has_end_time":1, "date_start":"2026-04-16", "date_end":"2026-04-16", "time_start":"13:00:00", "time_end":"14:00:00", "time_zone":"America\/Detroit", "event_title":"The Real Cost of a Job: Paychecks, Benefits, and Cost of Living", "occurrence_title":"", "combined_title":"The Real Cost of a Job: Paychecks, Benefits, and Cost of Living", "event_subtitle":"", "event_type":"Careers \/ Jobs", "event_type_id":"2", "description":"Understanding Your Paycheck & Benefits (Made Simple)\u2014 Workshop + Q&A \nJoin Financial Education in a practical workshop to decode your paycheck, understand income taxes\/withholding, and make sense of benefits that can dramatically change your take-home pay. You\u2019ll learn how employer and employee contributions affect the true value of an offer and when to connect with UCC for offer comparisons and negotiation guidance.\n\nThis event's information is shown in Handshake as well as on the Happening @ Michigan calendar so that it will be seen by a larger number of U-M Students. You can only register to attend this event within Handshake. If you'd like to indicate that you'll be attending this event and see more details, please go to this webpage:https:\/\/umich.joinhandshake.com\/events\/1935788\/share_preview \u00a0\n\nWe want to ensure full and equitable participation in our events. If an accessibility accommodation would promote your full participation in this event, please indicate your accommodation requirements via the link below, preferably at least 14 days prior to the program to ensure sufficient time for arranging your requested accommodation(s) or exploring suitable alternatives. If you have any questions regarding access to our programs, please don't hesitate to reach out to Cierra Sutherland at\u00a0cierrasu@umich.edu. 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Lunch will be provided.\n", "occurrence_notes":null, "guid":"147052-21900323@events.umich.edu", "permalink":"http:\/\/events.umich.edu\/event\/147052", "building_id":"", "building_name":"", "campus_maps_id":"", "room":"", "location_name":"Michigan Union - Parker Room", "has_livestream":0, "cost":"", "tags":["Sessions"], "website":"https:\/\/sessions.studentlife.umich.edu\/p\/track\/16893", "sponsors":[ { "group_name":"Sessions @ Michigan", "group_id":"4791", "website":"https:\/\/sessions.studentlife.umich.edu\/" } ], "image_url":"", "styled_images":{ "event_thumb":"", "event_large":"", "event_large_2x":"", "event_large_lightbox":"", "group_thumb":"", "group_thumb_square":"", "group_large":"", "group_large_lightbox":"", "event_large_crop":"", "event_list":"", "event_list_2x":"", "event_grid":"", "event_grid_2x":"", "event_feature_large":"", "event_feature_thumb":"" }, "occurrence_count":1, "first_occurrence":21900323 } }