@article{lumoslargeusermodelsforuserbehaviorpredi,
  title = {LUMOS: Large User MOdels for User Behavior Prediction},
  author = {Dhruv Nigam and Naman Agarwal and Krishna Murthy and Susmit Saha},
  year = {2025},
  eprint = {2512.08957},
  archivePrefix = {arXiv},
  url = {https://arxiv.org/abs/2512.08957},
}