Last month, a 38-year-old business owner from Kuala Lumpur typed these words into an AI chatbot: “Can you help me write a simple will? I want to leave everything to my wife and children.” Within seconds, he had a neatly formatted document. He saved it, felt relieved — and assumed the matter was settled. It

Every week, thousands of Malaysians open ChatGPT or Claude and type a version of the same question: “Do I really need critical illness insurance if I already have a medical card?” The AI gives a confident, well-structured answer. But there’s something important it almost always leaves out. A Scenario That Plays Out Every Day Sarah

Ahmad is a 42-year-old business owner in Kuala Lumpur. He opened ChatGPT one evening, typed: “I have RM380,000 in EPF. Can I retire at 60 comfortably?” — and got back a four-paragraph answer within seconds. He felt relieved. He closed his laptop and went to bed thinking his retirement was sorted. It wasn’t. The Question