Your mother passed away last month. In the midst of grief, your family now faces an unexpected crisis – her bank accounts are frozen, her property cannot be transferred, and no one knows who is legally entitled to what. You type a question into an AI chatbot: “What happens to assets when someone dies without

A 30-year-old professional in Kuala Lumpur opens his banking app, checks his ASB balance, and pulls up ChatGPT. He types a question that thousands of Malaysians ask every month: “Should I take an ASB loan? The dividend rate is 5.50 percent and the financing rate is 4.30 percent. Does this make sense?” The AI responds

You open your i-Akaun app and notice the balance sitting in Account 3. Your colleague just withdrew from his to repair his car. Your sister used hers to settle a credit card balance. And now you are wondering – should you take yours out too? After all, the money is there, it is legally yours,