Sunday, February 22, 2026

DBS: New cooling period measures for selected digibank transactions (Ref. CoolingPeriod). DBSDBS 20260220

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From: "DBS Singapore" <serviceinfo@dbs.com>
To: "NEWxxxxxx@YAHOO.COM" <NEWxxxxxx@YAHOO.COM>
Cc:
Sent: Fri, 20 Feb 2026 at 14:22
Subject: New cooling period measures for selected digibank transactions
Protecting you from scams
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DBS | Live more, Bank less
 

Your security is our priority. That’s why we continuously enhance our security measures to protect your account against increasingly sophisticated scams. To further strengthen your account security, a 12-hour cooling period will be introduced from 7 March 2026 for the following digital banking transactions:

  • Adding a new transfer recipient

  • Increasing daily local & overseas 
  • transfer limits

  • Updating contact details such 
  • as email and mobile number

The above measures are in addition to the existing 12-hour cooling period for Digital Token setup.

How does the 12-hour cooling period protect me from scams?

The 12-hour cooling period is a critical security safeguard designed to give you time to detect and stop unauthorised activity on your account. For instance, a scammer attempts to add a new transfer recipient or increase your transfer limits, transfers to new recipients or transactions above your existing limits will only be allowed after the 12-hour cooling period has ended. During this time, alerts will be sent to your bank registered contact details so you can review the request and report it immediately if it was not made by you.

Please be assured that you may continue to perform your usual banking activities such as transferring funds to existing payees within your current transfer limits, without interruption.

Here’s some tips for seamless banking:

For more information, visit

ACT to get the upper hand over scammers

Find more DBS Scam Defence resources at

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This is an auto-generated message. Please do not reply to this email.
For enquiries, visit our DBS Help & Support Page
or chat with us on DBS digibot on our official DBS website.

DBS Bank Ltd Co. Reg. No.: 196800306E


Saturday, February 21, 2026

小城大事

马年: 帶馬字的成語有多少?

帶馬字的成語有多少?

馬年之際,按馬字字在成語中的位置分類,并在每個類別内按拼音首字母顺序排列。

一、馬字在第一位:
1. 馬不停蹄
2. 馬到成功
3. 馬放南山
4. 馬革裹屍
5. 馬馬虎虎
6. 馬失前蹄
7. 馬首是瞻
8. 馬瘦毛長

二、馬字在第二位:
1. 汗馬功勞
2. 快馬加鞭
3. 老馬識途
4. 龍馬精神
5. 騎馬找馬
6. 犬馬之勞
7. 戎馬生涯
8. 駟馬難追
9. 天馬行空
10. 萬馬奔騰
11. 萬馬齊喑
12. 五馬分屍
13. 信馬由繮
14. 一馬當先
15. 一馬平川
16. 躍馬揚鞭
17. 走馬觀花
18. 走馬換將
19. 走馬上任

三、馬字在第三位
1. 鞍前馬後
2. 兵荒馬亂
3. 兵强馬壯
4. 車水馬龍
5. 猴年馬月
6. 驢唇馬嘴
7. 牛頭馬面
8. 人歡馬叫
9. 人困馬乏
10. 人仰馬翻
11. 稀里馬虎
12. 蛛絲馬跡

四、馬字在第四位
1. 伯樂相馬
2. 吹牛拍馬
3. 單槍匹馬
4. 當牛做馬
5. 非驢非馬
6. 高頭大馬
7. 滚鞍下馬
8. 害群之馬
9. 横刀立馬
10. 金戈鐵馬
11. 厲兵秣馬
12. 盲人瞎馬
13. 千軍萬馬
14. 青梅竹馬
15. 塞翁失馬
16. 聲色犬馬
17. 脱繮之馬
18. 香車寶馬
19. 心猿意馬
20. 懸崖勒馬
21. 招兵買馬
22. 指鹿為馬

Would You Be “Replaced by AI” Within Six Months? Or Are You Scaring Yourself?

Would You Be  “Replaced by AI” Within Six Months? Or Are You Scaring Yourself?

For subscribers

Translated by ChatGPT

https://www.zaobao.com.sg/forum/views/story20260221-8601452?utm_source=android-share&utm_medium=app

2026-02-21

By Wang Bide
Editorial Consultant, Lianhe Zaobao

=====

Learning AI need not be overly utilitarian, constantly thinking about how it can add points to your job or career. As long as it connects to daily life in some small way, proves a little useful, or gives you insights to share with friends, or helps you avoid falling out of step with society and technology — that already counts as a return.

Before the Chinese New Year, I had dinner with a civil servant friend. When AI came up in conversation, he said with a hint of guilt that he suspected the press releases his department’s public relations colleagues sent to the media had all been polished by AI. Without the slightest guilt, I replied, “When our reporters handle your AI-‘assisted’ press releases, AI may also be lending a hand here and there — summarising key points, translating, revising sentences, and so on.”

“In that case it’s PR + AI versus reporters + AI. Maybe in the future, AI will just interface directly with AI. As for PR officers and reporters…” We both smiled knowingly before finishing the sentence.

A few days later, the topic of AI was brought into Parliament and elevated to the level of “a great undertaking of national importance” — one of the six key themes in this year’s Budget. It has since become a high-frequency term in the news and a hot topic over coffee breaks.

Welcome to the world of AI — and the workplace…

In the past, every epoch-making technological breakthrough would spark excitement and anticipation. This time is different. The benefits of AI are palpable, but so too are the growing concerns and uncertainties — issues involving safety, fairness, and many other aspects of human welfare — all still lacking solutions. As for official regulation and oversight, lag is evident everywhere, no matter the country.

For ordinary workers, of course, the most immediate concern is whether their rice bowl will remain intact. This threat has been discussed repeatedly in recent years in search of mitigation measures, but it seems Murphy’s Law applies — what you fear most tends to come true.

The year before last, the full-time employment rate of local university graduates was 79.5%, down 4.6 percentage points from 2023. Yet the economy grew by a fairly robust 4.4% in 2024. A strong economy but harder job searches — might this have something to do with the widespread adoption of AI and automation?

A multinational “Talent Barometer” survey released last month (ManpowerGroup) produced even more astonishing figures. It reported that in Singapore right now, nearly 40% of employees worry that AI-driven automation could cost them their jobs within six months. The proportion who believe this could happen within two years reaches 58% — more than half. One can imagine the intense anxiety of counting down either six months or two years, especially if you are the sole breadwinner of your family.

Profitable Yet Still Laying Off Staff — Something Once Unheard Of

In April last year, after US President Trump announced “Liberation Day” tariffs, global stock markets plunged. I told a colleague who rarely buys stocks that he could consider entering the market. When he asked what to buy, I said the safest bet was local bank stocks, such as DBS. He acted, and less than a year later he had gained nearly 50%, occasionally grinning and thanking me. In truth, I am a layman with no time for research. I made that suggestion casually because I had just read an interview with DBS Group’s then-CEO Piyush Gupta, who said that due to the introduction of AI, 4,000 contract staff (nearly one-tenth of the group’s workforce) would be gradually laid off over three years. He added that in his 15-year tenure as CEO, he had never encountered the challenge of being unable to create new roles. Multiplying 4,000 by an imagined average annual salary of around $60,000, I calculated savings — or additions to pre-tax profit — of $200 million to $300 million a year.

This example illustrates that companies do not necessarily lay off staff only when losing money; they may do so even while making profits. Abroad, this operational model is even more common. News of layoffs at major corporations appears frequently — something unheard of before the advent of AI.

Of course, directly equating layoffs with AI adoption would be overly simplistic. Circumstances vary across industries and companies. The motivations behind layoffs are usually complex; AI is likely just one factor, not the whole story. Some companies are simply moving ahead early or following others’ examples. An article published last month in Harvard Business Review cited a survey of 1,006 global executives responsible for AI transformation. It found that most workforce reductions or hiring freezes were based on expectations of AI’s potential rather than direct causality — only a small minority involved AI already replacing humans and proving more effective.

Thus, various optimistic arguments persist. Some say AI cannot replace humans unless you “lie flat” and refuse to acquire AI skills. Others argue that while certain jobs will disappear, new roles — unimaginable today — will be created. These viewpoints are familiar and not entirely wrong. The issue, however, is not that AI will completely replace human workers — that is unlikely — but whether it will render a significant portion redundant, unable to find employment, leading to hardship, despondency, even resentment. If that happens, the AI revolution could end in dystopia, even destruction — a future dominated by a small technological elite while the masses become “useless people.” (This scenario is not the focus of this article and will not be elaborated upon.)

Silicon-Based Robots: Faster, Better, Cheaper — Completely Crushing Carbon-Based Humans?

One key trend today is the integration of intelligence with humanoid robots. On Chinese New Year’s Eve, many viewers witnessed robots performing martial arts on China’s Spring Festival Gala. Even simple somersaults are beyond many of us. But those were brief stage spectacles. Out of sight, far greater numbers of robots have already been deployed on factory assembly lines, quietly engaged in production, while others have entered service sectors. That is where the most profound, tectonic shifts are occurring.

In a discussion, a colleague emphasised the need for self-improvement, suggesting that the strongest “moat” is increasing one’s own value — not cleaning floors personally, but directing and supervising 10 AI robots to do so. Yet as the conversation progressed, we realised that this “supervisor” might not be a carbon-based human either, but another, more powerful silicon-based AI directing 10 or even 100 AI workers. Does this thought discourage or even despair?

AI technology is advancing at astonishing speed. Just two or three years ago, the world marvelled at large language models’ eloquence. Today, AI not only generates content and media but also performs tasks — many different tasks — like assistants or managers, even acting as doctors, lawyers, accountants, programmers, and more. In some companies’ HR departments, the first entity to read your AI-assisted résumé is also AI, not a human — perhaps even the first-round interviewer is a robot. Such agentic AI armies pose one of the greatest threats to cognitive and knowledge-based roles.

Beyond agentic AI, recent reports speak of “analytical AI” and “decision-making AI.” In the near future, perhaps Mr. or Ms. AI could even become a CEO or board member. It sounds far-fetched, but many tech leaders are seriously predicting or envisioning it. Then there is the chilling possibility of AI developing self-awareness. Recently, rumours suggested that on a social media platform used only by agentic AIs called Moltbook, they had created their own religion and theology. I remain sceptical, believing such claims stem from too much science fiction. Yet many things that exist today once appeared only in science fiction.

The world is unpredictable, but one thing is certain: AI, combined with digital tools and automation, can perform an increasing range of tasks. Moreover, they are model employees — never complaining about long hours, demanding work-life balance, requesting annual raises, or filing complaints about discrimination or bullying. Nor do they have unions. Initial investment may be costly, with maintenance expenses, but once fully deployed, over time their cost-performance ratio surpasses that of living humans.

Less Anxiety, More Enjoyment — Learning AI Need Not Be So Utilitarian

At the national level, we have resolved to compete vigorously on the AI track. Several Budget announcements — subsidising AI courses for citizens, granting corporate tax relief, building AI parks — all point to this vision.

Two points highlight the state’s “must-win” determination. First, this year the Ministry of Trade and Industry’s projected expenditure is $11.1 billion, nearly 70% higher than last year’s actual spending — an unprecedented increase. Second, the establishment of a National AI Council led personally by the Prime Minister to coordinate and advance the entire AI agenda and strategy. I joked that this resembles a “whole-of-nation system,” but it is understandable. As a small country, without such resolve, competing with major powers or negotiating cooperation would be difficult.

The question is: while the nation may achieve its goals, and individual companies may thrive, what about each person?

Fortunately, the nation stands with us. The Prime Minister has said that during the transition, “no one will have to face change alone.” The statement is firm and reassuring.

Before setting out, however, we must overcome anxiety. “We must face this head-on and not be ruled by fear. If we hesitate and stagnate out of anxiety, we will fall behind the rapidly evolving world.” The Prime Minister’s “we” applies to both nation and individual. As mentioned earlier, nearly 40% fear losing their jobs within six months. A sense of crisis is acceptable — it can motivate — but the so-called “six months” may simply be self-inflicted fear. And again, Murphy’s Law: the more anxious and withdrawn you become, the worse your performance at work, increasing the likelihood of being placed on the layoff list. Or if you are still studying, constantly worrying about choosing the wrong subject and learning useless knowledge — can you truly focus and earn the A+ you deserve?

Those already in the workforce often struggle with how to begin learning AI — which courses to take, which “portable” soft skills AI cannot replicate. Advice is abundant, so I will not elaborate. I only wish to emphasise enjoyment. A friend of mine particularly likes Doubao; he even categorises its chat functions — one designed specifically for arguing, which he says helps release stress and vent anger. To me, that too is a form of emotional value.

Perhaps learning AI need not be so utilitarian, constantly calculating career benefits. If it connects to daily life, proves slightly useful, provides insights to share, or prevents you from falling out of step with society and technology, that already counts as a return. I even believe this is a more desirable and effective mindset for learning AI.

Some older individuals worry about language barriers, but that is unnecessary. Many AI products are multilingual; Doubao’s “mother tongue,” for instance, is Mandarin. AI is also an excellent learning tool — for example, helping with foreign languages. Once you discover benefits, curiosity grows, leading to further discovery and a positive cycle.

The nation has made its choice: AI is the path to development and even survival. As individuals, are we not the same? Whether you like it or not, there is no option to withdraw or resist.

The AI tide rolls on, wave after wave replacing the previous. Remind yourself to rise to the challenge — do not become a former wave left stranded on the shore.

The author is an Editorial Consultant at Lianhe Zaobao.

王彼得:半年内被AI抢走饭碗 你也在吓自己吗?


王彼得:半年内被AI抢走饭碗    你也在吓自己吗? 

https://www.zaobao.com.sg/forum/views/story20260221-8601452?utm_source=android-share&utm_medium=app

2026-02-21

学AI不必太功利,成天想着对工作、对事业有什么加分或帮助。只要能和生活沾上边,有点小用处,或因此有了可以和朋友分享的心得,或避免与社会、科技脱节,那已经可以算是回报了。

过年前和公务员朋友吃饭,聊起人工智能(AI),他语带愧疚地说,怀疑部门里公关同事给媒体的新闻稿,都有经AI润饰。我没有一丝愧疚地回说,我们的记者“在处理你们AI‘助写’的新闻稿时,可能也让AI前前后后帮了一下,摘要点、翻译、修文句什么的”。

“反正就是公关+AI对记者+AI,也许未来,由AI直接对接AI算了。公关和记者就……”说完两人莞尔一笑。

然后没几天,AI课题就被带到国会庙堂之上,成了“经国之大业”——今年财政预算案的六大主题之一,后续更成了新闻的高频词,以及咖啡时间的热门谈资。

欢迎来到AI的世界,以及职场……

在过去,每当出现划时代的科技突破,总能引发振奋、期待。但这一次很不一样。AI的好处确实让人很有感,但伴随而来的担忧、不确定性也在一天天增多,包括安全、公平等一堆涉及人类社会福祉的问题,全都还没有解方。至于官方监管和把控,滞后也是明显的,不论是哪个国家。

当然,对于普通打工族,最切身的,莫过于自己的饭碗还保不保得住的问题。这一威胁,近些年来一直被反复探讨,想找出缓解之道,但似乎应验墨菲定律——怕什么真来什么。

前年,本地大学毕业生的全职就业率为79.5%,较2023年下跌4.6个百分点。2024年经济其实增长4.4%,还挺强劲的。经济好却更难找到工作,原因和AI与自动化的广泛采用多少有关系吧?

上个月公布的一份跨国“人才晴雨表”调查(万宝盛华),数字更不可思议。说在此刻的新加坡,有近四成员工因为AI驱动的自动化,担心在半年内被裁。认为这事会在两年内发生的,更达到58%,也就是一半以上的人。可以想象,无论进入的是六个月还是两年的倒数,都是极大的焦虑,特别是如果你还是家庭的唯一经济支柱。

过去闻所未闻的赚钱也裁人

去年4月,美国总统特朗普宣布“解放日”关税后,全球股市狂泄。我跟一位很少买股票的同事说,可以考虑进场了,他问该买什么,我说最稳当的是本地银行股,比如星展。他后来行动了,结果一年不到获利将近一半,不时笑嘻嘻跟我说谢谢。其实我是外行,也没时间研究,之所以随口给出这样的提议,是刚好早些时候读到星展集团时任总裁高博德的访谈,他说因为引进AI,下来三年会逐步裁掉4000名合约员工(将近集团员工总数的十分之一),并说在他15年的总裁生涯中,从未遇到过创造不出新职务的挑战。我用4000乘以一个想象的平均6万元上下年薪,得出的节省或者直接就归入到税前的获利,是一年两到三个亿!

用这个例子,是要说明:企业不一定亏钱才裁员,赚钱也可能这么做。放眼外国,这一操作模式更是常见,尤其是大厂的裁员新闻,隔三差五都能读到或刷到。这是AI问世前闻所未闻的。

当然,把裁员和AI的采用直接划上等号肯定过于武断。不同领域和公司,情况不一而足。公司裁员的动因通常是复杂的,AI很可能只是其中一个因素,并非全部。还有一些,则是先行一步,甚至有样学样。《哈佛商业评论》上个月刊出文章,说一项针对全球1006名负责AI转型的高管做的调查发现,企业缩编或减少招聘,大多数是基于对AI潜力的预判或者说期望值,只有极少数有直接的因果关系:即AI已取代人类,并且发挥更大功效。

因此,一直都有各种乐观的说法,例如认为AI取代不了人类,除非你自己躺平,排斥AI技能;或者说,它会淘汰掉一些岗位,但也会创造新的、至今还无从想象的未来需求和工种。这些观点,大家都耳熟能详,确实也不完全错。只是必须指出,问题不在于AI把人类员工全都顶替掉,因为这不可能,而在于它是否会让好大的一部分变成冗员,想找就业机会却门都没有,进而变得困顿、消沉,甚至心生怨恨。倘若如此,那这场AI革命的结局,就很有可能是反乌托邦式,甚至毁灭性的,这就不能不警惕了(这一由极少数科技主子主宰一切,天下苍生尽是底层“无用之人”的未来场景,不是本文重点,就不展开了)。

硅基机器人多快好省 全面碾压碳基生物人?

眼下最主要趋势之一,是智能与人形机器人的结合。相信除夕夜,很多人都在中国的春晚见识机器人打功夫的魔幻表演,单单是翻筋斗,我们很多真人就做不到。但这些还只是舞台上一瞬间的酷炫和出彩,在众人视线之外,数量更为庞大的各类机器人型款,已被派遣到工厂流水线上,默默在从事着生产,另一些则在服务领域上岗,那才是最深层、最撬动地壳板块的变革所在。有一回讨论课题,同事提到员工自我提升之必要,说最坚实的“护城河”,是得让自身更有价值,例如不是亲自清理地板,而是懂得指挥、监督10个AI机器人代劳。但说着说着,就推演到这个“督工”也极可能不是一个碳基的生物真人,而是另一个算力更强大,更聪明的硅基AI,由它指挥10个、甚至100个AI干活。这么说不知会不会让人气馁,甚至绝望?

AI科技铺天盖地而来,且发展速度极其惊人。仅仅是两三年前吧,世人还在为大语言模型的善解人意、能言善道惊呼,但到了今天,AI已不只是生成内容、画面或影音那么简单,还能帮我们办事,而且是办很多很多不同的事,如同各种助理或经理,甚至就直接当起医生、律师、会计、程序员等等等。据说现在在一些企业的人事部,第一个阅读你让AI协助撰写的简历的,也是AI,不是人,搞不好负责第一关面试的,也是个机器人!这类代理式AI大军,无疑是各种脑力活或认知型职能的最主要威胁之一。

在代理AI之外,最近还有诸如“分析型AI”“决策型AI”等等进阶的报道。说不定不久的将来,还会有AI先生或女士,当上总裁或进入到董事部。听起来有点扯,但已有不少科技大佬,在很认真地提出预言甚至构想了。然后是不用细思也极恐的:AI产生自我意识。最近不是有传言,说在只让代理AI使用的社媒Moltbook上,它们已创造出自己的宗教和神学。对此,我首先是“怀疑论”者,认为信以为真的人是科幻小说看太多了。但,很多如今存在的事物,不也曾经只出现在科幻小说中吗?

世事难料啊,但有一点很确定:AI加上数码化工具和自动化设备,能胜任的工作越来越多。而且,它们不只强在技术,还一如既往,是无可挑剔的模范员工,不会抱怨工作时长、追求工作和生活平衡、每年要求加薪,或投诉被上司歧视、被同事霸凌什么的。当然,它们背后,也没有工会组织。前期的投入也许昂贵,还有维护成本,但全面部署、铺开后,时间一拉长,性价比是活生生的人难以企及的。

少点焦虑多点乐趣 AI学习无须太功利

从国家层面看,我们已下定决心,要在AI这条赛道上奋力一搏。预算案中的好几项宣布,像资助国人上AI课、给企业税收减免、建AI园区等等,都指向这个愿景。

有两点最能彰显这盘AI大棋的“只许胜不许败”国家意志。一是今年贸工部的预估支出是111亿元,比去年实际支出多出近七成,如此的加码幅度,相信没有部门有过,当然也没有“之一”。二是成立由总理亲自领导的全国人工智能理事会,去统筹、推进整个AI议程和战略。我开玩笑说,这已是“举国体制”了,但也能理解,毕竟我们国家小,不如此根本就不太可能和大国竞争,或上台面谈合作。

问题是,国家或许能实现目标,个别公司也或许可以大有作为,但每个个人呢?

还好,首先有国家与我们同在。总理就说了,在过渡期间,“没有人须要独自应对变化”。这句话说得坚定,也很暖心。

出发前,还是先得克服焦虑。“我们必须正面应对,不能被恐惧左右。如果因犹豫和不安停滞不前,我们就会落后于迅速发展的世界。”总理的这个“我们”,可以指国家,也适用于个人。就像前头说了,近四成的人,担心半年内失业, 有危机感当然OK,起码是动力来源,但所谓的“半年”,更多是在吓自己。另外,同样还是墨菲定律的延伸——越焦虑,越退缩,工作就越难有表现,也就越可能被放到裁员名单上。又或者如果还在求学,整天担心自己选错科,学了将来没用的知识,你还能专心致志,考到原本应该属于你的A+吗?

已进入职场的,也常有一种苦恼,不知要如何上手学AI,该报名哪一类提升课程,或掌握哪一种所谓带得走的、AI没办法复制的软技能。这一部分,其实到处都能找到“攻略”或提点,我就不赘述了。只想说,别忘了乐趣。我有一个朋友,特别喜欢豆包,他甚至对陪聊做了分类,例如有一个是专门用来吵架的对象,说可以释放压力和宣泄怒气,这在我看来,也算是另类情绪价值吧?或许,学AI不必太功利,成天想着对工作、对事业有什么加分或帮助。只要能和生活沾上边,有点小用处,或因此有了可以和朋友分享的心得,或避免与社会、科技脱节,那已经可以算是回报了。我甚至认为,这才是更可取、有效的AI学习心法。

还有一些上了年纪的,怕有语文障碍,其实多虑了。很多AI产品,都是多语种的,像上述的豆包,“母语”就是普通话。对了,AI还是学习的好工具,帮助学外语就是其中一例。总之,一旦发现好处,就有更大的探求欲望,然后又再发现和探求,形成正向循环。

国家已作出选择,AI是发展甚至生存的必由之路。我们个人,不也如此?不管你喜不喜欢,都没有退出、抗拒的选项。

AI洪流滚滚,长江后浪推前浪,记得告诉自己,还是要迎难而上,别成为X在沙滩上的一朵前浪。

作者是《联合早报》编务顾问

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