Understanding and reasoning over text within visual contexts poses a significant challenge for Vision-Language Models (VLMs), given the complexity and diversity of real-world scenarios. To address this challenge, text-rich Visual Question Answering (VQA) datasets and benchmarks have emerged for high-resource languages like English. However, a critical gap persists for low-resource languages such as Korean, where the lack of comprehensive benchmarks hinders robust model evaluation and comparison. To bridge this gap, we introduce KRETA, a benchmark for Korean Reading and rEasoning in Text-rich VQA Attuned to diverse visual contexts. KRETA facilitates an in-depth evaluation of both visual text understanding and reasoning capabilities, while also supporting a multifaceted assessment across 15 domains and 26 image types. Additionally, we introduce a semi-automated VQA generation pipeline specifically optimized for text-rich settings, leveraging refined stepwise image decomposition and a rigorous seven-metric evaluation protocol to ensure data quality. While KRETA is tailored for Korean, we hope our adaptable and extensible pipeline will facilitate the development of similar benchmarks in other languages, thereby accelerating multilingual VLM research. The code and dataset for KRETA are available at [https://github.com/tabtoyou/KRETA](https://github.com/tabtoyou/KRETA).

The rapid expansion of multimedia content has made accurately retrieving relevant videos from large collections increasingly challenging. Recent advancements in text-video retrieval have focused on cross-modal interactions, large-scale foundation model training, and probabilistic modeling, yet often neglect the crucial user perspective, leading to discrepancies between user queries and the content retrieved. To address this, we introduce MERLIN (Multimodal Embedding Refinement via LLM-based Iterative Navigation), a novel, training-free pipeline that leverages Large Language Models (LLMs) for iterative feedback learning. MERLIN refines query embeddings from a user perspective, enhancing alignment between queries and video content through a dynamic question answering process. Experimental results on datasets like MSR-VTT, MSVD, and ActivityNet demonstrate that MERLIN substantially improves Recall@1, outperforming existing systems and confirming the benefits of integrating LLMs into multimodal retrieval systems for more responsive and context-aware multimedia retrieval.