Author: lethuphuong

📌 The Governor of the State Bank of Pakistan outlines 4 pillars for Pakistani banks: comprehensive digitalization, application of AI for risk assessment and product personalization, integration of climate factors into credit, and business model restructuring to support exports. He encouraged the adoption of AI and machine learning to create smarter risk models, utilizing non-traditional data, while developing financial products for small businesses, start-ups, and customers lacking credit history.

📌 Cypriot and Greek banks are accelerating automation thanks to AI, ranging from virtual assistants and customer behavior analysis to Copilot tools for employees. Bank of Cyprus will launch customer-facing AI in early 2026, marking a turning point where banking transactions will no longer require physical branches. AI is projected to bring $340 billion USD in value to the global industry.

📌 Southeast Asia’s largest bank, DBS, demonstrates clear economic effectiveness from AI with over 1 billion Singapore dollars in increased revenue in 2025. Thanks to more than 370 AI applications with 1,500 models in operation, AI helps optimize processes, personalize services, and boost productivity, while the bank continues to invest in employee retraining to maintain sustainable growth, aiming for the first “AI-powered bank” model in Southeast Asia.

📌 An analysis of 47,000 conversation snippets with ChatGPT reveals that 97% of the content revolves around personal needs, with over 10% being emotional. ChatGPT shows a tendency to agree 10 times more often than to object and often adjusts its tone to the user, sometimes supporting conspiracy theories. Users shared over 550 emails, 76 phone numbers, and various private data, indicating that AI is playing an increasingly intimate role but also posing risks of information exposure and cognitive bias.

📌 The Ipsos survey for Deezer confirms a sharp increase in AI music exposure, with the daily listening rate surpassing 40,000 tracks and 97% of listeners unable to distinguish AI music. 80% demand clear labeling, in the context of an AI-generated song topping the Billboard chart for the first time. Concerns about quality and loss of creativity are rising, with 51% predicting lower quality music and nearly two-thirds fearing a reduction in creativity.

📌 South Korea is becoming a strategic hub in the global AI race, with US corporations investing over $20 billion in infrastructure, chips, and data centers. South Korea possesses the “four golden factors” for AI: human resources, infrastructure, government support, and a dynamic ecosystem. The government aims to enter the top 3 global AI powers, launching the “AI highway” project to connect national data centers with a super-speed network by 2030. South Korea is considered an ideal “testbed” for physical AI due to its high urban density, leading telecommunications network, and strong manufacturing capabilities – something that the US or…

📌 The AI chatbot application Zeta, developed by the South Korean startup Scatter Lab, has surpassed ChatGPT, leading with 73.62 million hours of use, with 90% of its users being Gen Z. Zeta uses Scatter Lab’s small language model, allowing users to create personalized AI characters by choosing a name, personality, and interests, transforming conversation into an interactive storytelling experience like a novel.

📌 The Malaysian banking industry is boosting AI adoption to enhance compliance, fraud detection, and risk governance, based on a new industry-developed AI governance framework supported by Bank Negara Malaysia. Malaysia is entering a boom phase of AI application in banking, with 57% of financial institutions in the initial deployment stage and over 40,000 personnel impacted by automation. The role of compliance officers is transforming: they must become “data engineers and data storytellers,” clearly understanding how AI operates to enhance supervision.

📌 Behind the “magic” of AI are millions of anonymous workers who train the AI. Examples include: DataAnnotation specializes in checking AI responses for grammar, accuracy, and creativity; Outlier AI has over 250,000 collaborators in 50 countries, 81% of whom have a university degree. The trend is a decreasing demand for general labor, replaced by personnel with specialized knowledge and high qualifications, as AI becomes increasingly complex. However, AI still heavily relies on cheap labor in developing countries like Kenya, Uganda, and the Philippines, where workers work up to 70 hours/week for wages just over 1 USD/hour, in conditions referred…

📌 The premium financial platform CRED is redefining premium financial services in India by combining generative AI with customer data, delivering a concierge-style experience: personalized, precise, and empathetic. With a 14% improvement in CSAT and 98% accuracy, CRED demonstrates that AI not only boosts productivity but also reinforces trust and sophistication in the digital financial experience.