Business Times July 1, 2026: OCBC WoW built AI-native (not bolted-on AI). Model-agnostic LLM stack with deterministic guardrails limiting advice to OCBC proprietary research. Fourth wave of banking — revenue generator not cost saver.
Languages: English first; Mandarin, Bahasa Melayu, Bahasa Indonesia progressively. Beta for employees and PPC clients S$1.5M+ AUM.