Modular Multimodal Classification Without Fine-Tuning: A Simple Compositional Approach

We introduce CoMET, \textit{\textbf{C}omposing \textbf{M}odality \textbf{E}ncoders with \textbf{T}abular foundation models}, a simple yet highly competitive method for multimodal classification: pass each modality through a frozen pre-trained backbone, compress the resulting embeddings with PCA, and concatenate as input into a Tabular Foundation Model (TFM) for prediction. We show that PCA alone suffices to act as an adaptor yielding strong, robust performance across modalities. When the \texttt