Core Insights - The core viewpoint of the article emphasizes the immense potential of AI applications, with less than 10% of companies currently integrating AI into their products and services, indicating significant future growth opportunities [3]. Group 1: AI Market Valuation - The discussion highlights concerns about whether AI stock valuations are overly concentrated and whether these valuations reflect realities of 2026 or 2036 [3]. - There is a notable valuation gap between Asian markets (excluding Japan) with P/E ratios of 12-14 times and the U.S. market with P/E ratios of 20-30 times, creating an opportunity for "cross-regional AI valuation arbitrage" [3]. Group 2: Regional Differences in AI Application - The article points out that while the U.S. is seen as an innovation hub, Asia benefits from a large population and a strong base of STEM graduates, leading to more practical application scenarios in AI [6]. - Asian AI focuses on "small language models + scenario-driven" approaches, emphasizing the integration of hardware and software [6]. Group 3: Corporate AI Implementation Strategies - Companies are encouraged to adopt a "blooming flowers" strategy for AI application, which includes both broad exploration and specialized deep dives [6]. - For broad applications, DBS Group has launched "DBSGPT" to encourage employee testing and learning, while specialized applications require more investment and industry insights [6]. Group 4: Investment in Technology - The company invests $18 billion annually in technology optimization, with AI being a core focus area, reflecting a commitment to improving business processes and cybersecurity [7].