S
SYNPULSE
PBWM AI Strategy · SRM 2026

PBWM AI Strategy - Elevator Pitch

Naren Gunawardana
PBWM · Synpulse
Synpulse logo

© 2026 Synpulse. Private & confidential.

1

02 · Agenda

Goals for today

  1. Why

    Align on why Synpulse is credible in PBWM AI and why clients need guidance now.

  2. What

    Clarify the offering so we can upskill, deliver, and sell with confidence.

  3. How & Who

    Understand the PBWM AI core strategy shaping the offering, the team behind it, and how you can engage.

Synpulse logo

© 2026 Synpulse. Private & confidential.

2
03 · ABOUT THIS ELEVATOR

It's a lot to cover....
so it's an elevator pitch.... inanextremelytallbuilding.

FLOOR 1 / 5
S
GROUND FLOOR · LOBBY
Synpulse logo

© 2026 Synpulse. Private & confidential.

3

05 · The adoption gap

Why PBWM must act now

PBWM needs an optimal AI adoption path: close the catch-up gap, while keeping a deliberate desirable gap where human judgement and governance matter.

AI adoption gap through 2035 Three curves from 2025 to 2035: AI technology potential rises fastest, optimal bank adoption follows, average bank adoption lags with catch-up potential between average and optimal. Adoption (%) 100 75 50 25 0 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 B A AI Potential 99% Optimal Bank 85% Average Bank 58%
Synpulse logo

© 2026 Synpulse. Private & confidential.

5

06 · AI Operating Model

A phased path to PBWM AI value creation

PBWM can compound AI value by moving through three operating layers: efficiency use cases in existing systems, revenue-generating E2E workflows across data silos, and governed agentic autonomy that unlocks new advisory value.

AI operating model compounding across three maturity stages Three concentric symmetric quarter-circle bands inside x/y axes. Two radial arrows from the origin split the quadrant into three equal sectors: Value (top), Architecture (middle), Operating Model (lower). New Value Creation NPS · TTM · Profit Operational Capacity Scale · Reuse · Autonomy 1 2 3 AI-Assisted Operations 2026 Baseline Agent-Augmented Enterprise 2026-2028 Agentic Operating Model 2028+ Value Architecture Operating Model Improve efficiency Automate priority use cases Grow revenue Scale client and advisor impact Unlock new value New advisory capabilities App-centric AI Integrate into existing systems Data-centric AI layer Connect apps and data silos Agent-native architecture Built for autonomous execution Task-level assistance Human-In-The-Loop for every task and decision E2E agent workflows Human-In-The-Loop for some tasks and decisions, Human-On-The-Loop for Monitoring Governed agentic autonomy Human-Above-The-Loop for setting policy and limits and intervening at risk/regulatory points
Synpulse logo

© 2026 Synpulse. Private & confidential.

6

04 · Why Synpulse

Why Synpulse: strategy-to-production partner for PBWM AI

We combine PBWM domain depth, AI platform capability, and delivery execution to move from ambition to measurable impact.

Implementation depth advice production PBWM domain + regulatory depth generic specialist Strategic depth limited production muscle Point solutions narrow use-case expertise Delivery scale lighter PBWM specialization Strategy-only firms vision without execution depth AI boutiques narrow use-case specialists System integrators scale delivery, lighter PBWM depth 01 Built, not just advised PULSE8.AI + delivery 02 Agent-ready PBWM Knowledge Codified rulesets for agents 03 End-to-end execution Strategy to scale

Only the upper-right combines PBWM advisory depth with accountable AI delivery into production.

Synpulse logo

© 2026 Synpulse. Private & confidential.

4

07 · Agenda checkpoint

Goals for today

  1. Why

    Align on why Synpulse is credible in PBWM AI and why clients need guidance now.

  2. What

    Clarify the offering so we can upskill, deliver, and sell with confidence.

  3. How & Who

    Understand the PBWM AI core strategy shaping the offering, the team behind it, and how you can engage.

Synpulse logo

© 2026 Synpulse. Private & confidential.

7

08 · What · Building blocks

Our PBWM AI offering

Synpulse packages reusable banking AI assets into two market offerings: modular PBWM capabilities and Forward Deployed AI Change Management.

Market Offerings

Draft – In Progress

PBWM AI Capabilities

Six business dimensions, each composed of modular AI capability building blocks

Forward Deployed AI Change Management

End-to-end support embedded in client teams to design, build and scale AI in regulated PBWM

Client Configuration Layer

Consultants configure BIAB into client-specific agents and deliver AI change management projects

AI Bank In A Box (BIAB)

Patterns, frameworks and standards for banking AI agents — refreshed continuously

BIAB Configuration Layer

PBWM AI Core Team authors & curates the BIAB

Synpulse logo

© 2026 Synpulse. Private & confidential.

8

09 · What · Building blocks

Our PBWM AI offering

Synpulse packages reusable banking AI assets into two market offerings: modular PBWM capabilities and Forward Deployed AI Change Management.

Market Offerings

PBWM AI Capabilities

Six business dimensions, each composed of modular AI capability building blocks

Front Office

Client AdvisoryProspecting & Growth

Investment Engine

Portfolio ManagementInvestment Insights & Research

Client Lifecycle

CLM + KYCClient Servicing

Control & Compliance

Suitability & AdvisoryFinancial CrimeCross-BorderEnterprise Risk

Operations

Execution & Trade OpsAsset ServicingCash, Fees & Control

Content & Distribution

Content GenerationCampaign & GrowthGEO Optimization

Forward Deployed AI Change Management

End-to-end support embedded in client teams to design, build and scale AI in regulated PBWM

Strategy

AI ambition, value pools, transformation roadmap

Assess

Readiness, diagnostics, agent assessment

Design

Operating model, governance, organisation

Build & Deliver

Business Analysis, design, build, test and deploy AI solutions

Govern & Control

AI risk, compliance, monitoring, validation

Adopt & Scale

Training, enablement, embed into BAU

Client Configuration Layer

Consultants configure BIAB into client-specific agents and deliver AI change management projects

AI Bank In A Box (BIAB)

Patterns, frameworks and standards for banking AI agents — refreshed continuously

Business & Domain Knowledge

  • Banking Ontology & Process Library
  • Business Rules & Decision Logic

Agent Design & Capabilities

  • Design Patterns & Reference Architectures
  • Interaction & Memory Patterns

Execution Assets

  • Skill Libraries
  • Tool & Integration Patterns
  • Guardrail Implementations

Governance & Control Framework

  • AI Governance & Risk Frameworks
  • Policy & Control Standards

Lifecycle & Operations

  • Agent Lifecycle Management
  • Evaluation & Monitoring
  • Operating Model & Change Mgmt

BIAB Configuration Layer

PBWM AI Core Team authors & curates the BIAB

Synpulse logo

© 2026 Synpulse. Private & confidential.

9

10 · What · Building blocks

A few examples of our client deliveries

Synpulse packages reusable banking AI assets into two market offerings: modular PBWM capabilities and Forward Deployed AI Change Management.

Market Offerings

PBWM AI Capabilities

Six business dimensions, each composed of modular AI capability building blocks

Front Office

Client AdvisoryProspecting & Growth

Investment Engine

Portfolio ManagementInvestment Insights & Research

Client Lifecycle

CLM + KYCClient Servicing

Control & Compliance

Suitability & AdvisoryFinancial CrimeCross-BorderEnterprise Risk

Operations

Execution & Trade OpsAsset ServicingCash, Fees & Control

Content & Distribution

Content GenerationCampaign & GrowthGEO Optimization

Forward Deployed AI Change Management

End-to-end support embedded in client teams to design, build and scale AI in regulated PBWM

Strategy

AI ambition, value pools, transformation roadmap

Assess

Readiness, diagnostics, agent assessment

Design

Operating model, governance, organisation

Build & Deliver

Business Analysis, design, build, test and deploy AI solutions

Govern & Control

AI risk, compliance, monitoring, validation

Adopt & Scale

Training, enablement, embed into BAU

Client Configuration Layer

Consultants configure BIAB into client-specific agents and deliver AI change management projects

AI Bank In A Box (BIAB)

Patterns, frameworks and standards for banking AI agents — refreshed continuously

Business & Domain Knowledge

  • Banking Ontology & Process Library
  • Business Rules & Decision Logic

Agent Design & Capabilities

  • Design Patterns & Reference Architectures
  • Interaction & Memory Patterns

Execution Assets

  • Skill Libraries
  • Tool & Integration Patterns
  • Guardrail Implementations

Governance & Control Framework

  • AI Governance & Risk Frameworks
  • Policy & Control Standards

Lifecycle & Operations

  • Agent Lifecycle Management
  • Evaluation & Monitoring
  • Operating Model & Change Mgmt

BIAB Configuration Layer

PBWM AI Core Team authors & curates the BIAB

Synpulse logo

© 2026 Synpulse. Private & confidential.

10

11 · What · Building blocks

A few examples of our client deliveries

Synpulse packages reusable banking AI assets into two market offerings: modular PBWM capabilities and Forward Deployed AI Change Management.

Market Offerings

PBWM AI Capabilities

Six business dimensions, each composed of modular AI capability building blocks

Front Office

Client AdvisoryProspecting & Growth

Investment Engine

Portfolio ManagementInvestment Insights & Research

Client Lifecycle

CLM + KYCClient Servicing

Control & Compliance

Suitability & AdvisoryFinancial CrimeCross-BorderEnterprise Risk

Operations

Execution & Trade OpsAsset ServicingCash, Fees & Control

Content & Distribution

Content GenerationCampaign & GrowthGEO Optimization

Forward Deployed AI Change Management

End-to-end support embedded in client teams to design, build and scale AI in regulated PBWM

Strategy

AI ambition, value pools, transformation roadmap

Assess

Readiness, diagnostics, agent assessment

Design

Operating model, governance, organisation

Build & Deliver

Business Analysis, design, build, test and deploy AI solutions

Govern & Control

AI risk, compliance, monitoring, validation

Adopt & Scale

Training, enablement, embed into BAU

Client Configuration Layer

Consultants configure BIAB into client-specific agents and deliver AI change management projects

AI Bank In A Box (BIAB)

Patterns, frameworks and standards for banking AI agents — refreshed continuously

Business & Domain Knowledge

  • Banking Ontology & Process Library
  • Business Rules & Decision Logic

Agent Design & Capabilities

  • Design Patterns & Reference Architectures
  • Interaction & Memory Patterns

Execution Assets

  • Skill Libraries
  • Tool & Integration Patterns
  • Guardrail Implementations

Governance & Control Framework

  • AI Governance & Risk Frameworks
  • Policy & Control Standards

Lifecycle & Operations

  • Agent Lifecycle Management
  • Evaluation & Monitoring
  • Operating Model & Change Mgmt

BIAB Configuration Layer

PBWM AI Core Team authors & curates the BIAB

Synpulse logo

© 2026 Synpulse. Private & confidential.

11

12 · What · Building blocks

A few examples of our client deliveries

Synpulse packages reusable banking AI assets into two market offerings: modular PBWM capabilities and Forward Deployed AI Change Management.

Market Offerings

PBWM AI Capabilities

Six business dimensions, each composed of modular AI capability building blocks

Front Office

Client AdvisoryProspecting & Growth

Investment Engine

Portfolio ManagementInvestment Insights & Research

Client Lifecycle

CLM + KYCClient Servicing

Control & Compliance

Suitability & AdvisoryFinancial CrimeCross-BorderEnterprise Risk

Operations

Execution & Trade OpsAsset ServicingCash, Fees & Control

Content & Distribution

Content GenerationCampaign & GrowthGEO Optimization

Forward Deployed AI Change Management

End-to-end support embedded in client teams to design, build and scale AI in regulated PBWM

Strategy

AI ambition, value pools, transformation roadmap

Assess

Readiness, diagnostics, agent assessment

Design

Operating model, governance, organisation

Build & Deliver

Business Analysis, design, build, test and deploy AI solutions

Govern & Control

AI risk, compliance, monitoring, validation

Adopt & Scale

Training, enablement, embed into BAU

Client Configuration Layer

Consultants configure BIAB into client-specific agents and deliver AI change management projects

AI Bank In A Box (BIAB)

Patterns, frameworks and standards for banking AI agents — refreshed continuously

Business & Domain Knowledge

  • Banking Ontology & Process Library
  • Business Rules & Decision Logic

Agent Design & Capabilities

  • Design Patterns & Reference Architectures
  • Interaction & Memory Patterns

Execution Assets

  • Skill Libraries
  • Tool & Integration Patterns
  • Guardrail Implementations

Governance & Control Framework

  • AI Governance & Risk Frameworks
  • Policy & Control Standards

Lifecycle & Operations

  • Agent Lifecycle Management
  • Evaluation & Monitoring
  • Operating Model & Change Mgmt

BIAB Configuration Layer

PBWM AI Core Team authors & curates the BIAB

Synpulse logo

© 2026 Synpulse. Private & confidential.

12

13 · What · Building blocks

A few examples of our client deliveries

Synpulse packages reusable banking AI assets into two market offerings: modular PBWM capabilities and Forward Deployed AI Change Management.

Market Offerings

PBWM AI Capabilities

Six business dimensions, each composed of modular AI capability building blocks

Front Office

Client AdvisoryProspecting & Growth

Investment Engine

Portfolio ManagementInvestment Insights & Research

Client Lifecycle

CLM + KYCClient Servicing

Control & Compliance

Suitability & AdvisoryFinancial CrimeCross-BorderEnterprise Risk

Operations

Execution & Trade OpsAsset ServicingCash, Fees & Control

Content & Distribution

Content GenerationCampaign & GrowthGEO Optimization

Forward Deployed AI Change Management

End-to-end support embedded in client teams to design, build and scale AI in regulated PBWM

Strategy

AI ambition, value pools, transformation roadmap

Assess

Readiness, diagnostics, agent assessment

Design

Operating model, governance, organisation

Build & Deliver

Business Analysis, design, build, test and deploy AI solutions

Govern & Control

AI risk, compliance, monitoring, validation

Adopt & Scale

Training, enablement, embed into BAU

Client Configuration Layer

Consultants configure BIAB into client-specific agents and deliver AI change management projects

AI Bank In A Box (BIAB)

Patterns, frameworks and standards for banking AI agents — refreshed continuously

Business & Domain Knowledge

  • Banking Ontology & Process Library
  • Business Rules & Decision Logic

Agent Design & Capabilities

  • Design Patterns & Reference Architectures
  • Interaction & Memory Patterns

Execution Assets

  • Skill Libraries
  • Tool & Integration Patterns
  • Guardrail Implementations

Governance & Control Framework

  • AI Governance & Risk Frameworks
  • Policy & Control Standards

Lifecycle & Operations

  • Agent Lifecycle Management
  • Evaluation & Monitoring
  • Operating Model & Change Mgmt

BIAB Configuration Layer

PBWM AI Core Team authors & curates the BIAB

Synpulse logo

© 2026 Synpulse. Private & confidential.

13

14 · What · Building blocks

A few examples of our client deliveries

Synpulse packages reusable banking AI assets into two market offerings: modular PBWM capabilities and Forward Deployed AI Change Management.

Market Offerings

PBWM AI Capabilities

Six business dimensions, each composed of modular AI capability building blocks

Front Office

Client AdvisoryProspecting & Growth

Investment Engine

Portfolio ManagementInvestment Insights & Research

Client Lifecycle

CLM + KYCClient Servicing

Control & Compliance

Suitability & AdvisoryFinancial CrimeCross-BorderEnterprise Risk

Operations

Execution & Trade OpsAsset ServicingCash, Fees & Control

Content & Distribution

Content GenerationCampaign & GrowthGEO Optimization

Forward Deployed AI Change Management

End-to-end support embedded in client teams to design, build and scale AI in regulated PBWM

Strategy

AI ambition, value pools, transformation roadmap

Assess

Readiness, diagnostics, agent assessment

Design

Operating model, governance, organisation

Build & Deliver

Business Analysis, design, build, test and deploy AI solutions

Govern & Control

AI risk, compliance, monitoring, validation

Adopt & Scale

Training, enablement, embed into BAU

Client Configuration Layer

Consultants configure BIAB into client-specific agents and deliver AI change management projects

AI Bank In A Box (BIAB)

Patterns, frameworks and standards for banking AI agents — refreshed continuously

Business & Domain Knowledge

  • Banking Ontology & Process Library
  • Business Rules & Decision Logic

Agent Design & Capabilities

  • Design Patterns & Reference Architectures
  • Interaction & Memory Patterns

Execution Assets

  • Skill Libraries
  • Tool & Integration Patterns
  • Guardrail Implementations

Governance & Control Framework

  • AI Governance & Risk Frameworks
  • Policy & Control Standards

Lifecycle & Operations

  • Agent Lifecycle Management
  • Evaluation & Monitoring
  • Operating Model & Change Mgmt

BIAB Configuration Layer

PBWM AI Core Team authors & curates the BIAB

Synpulse logo

© 2026 Synpulse. Private & confidential.

14

15 · Agenda checkpoint

Goals for today

  1. Why

    Align on why Synpulse is credible in PBWM AI and why clients need guidance now.

  2. What

    Clarify the offering so we can upskill, deliver, and sell with confidence.

  3. How & Who

    Understand the PBWM AI core strategy shaping the offering, the team behind it, and how you can engage.

Synpulse logo

© 2026 Synpulse. Private & confidential.

15

16 · How

PBWM AI Execution Model

The execution model translates the enterprise AI vision into concrete, revenue‑generating outcomes for PBWM in APAC.

Continuous market intelligence and AI insights to inform product innovation and client positioning

Commercialize R&D insights into differentiated AI solutions driving revenue growth

Marketing channels and internal training for sales enablement and capability building

Delivery excellence through resourcing, and structured project execution

Synpulse logo

© 2026 Synpulse. Private & confidential.

16

17 · Who

PBWM AI Core Team

The team behind the offering, owners of the strategy, curators of BIAB, and your contact for pursuits and deliveries.

PBWM AI Core team

Boon Peng Yeo

Boon Peng Yeo

Carol Cao

Carol Cao

Javen Goh

Javen Goh

Naren Gunawardana

Naren Gunawardana

Prasanna Venkatesan

Prasanna Venkatesan

Stephanie Winata

Stephanie Winata

Wee Hung Soh

Wee Hung Soh

Synpulse logo

© 2026 Synpulse. Private & confidential.

17

18 · Agenda complete

Goals for today

  1. Why

    Align on why Synpulse is credible in PBWM AI and why clients need guidance now.

  2. What

    Clarify the offering so we can upskill, deliver, and sell with confidence.

  3. How & Who

    Understand the PBWM AI core strategy shaping the offering, the team behind it, and how you can engage.

Synpulse logo

© 2026 Synpulse. Private & confidential.

18

19 · Recap

PBWM AI — recap & next steps

Recap

  • Why

    AI is advancing faster than PBWM clients can adopt it, so they need a partner who helps them close the gap without giving up human accountability where it matters.

  • What

    We deliver modular PBWM AI Capabilities and Forward Deployed AI Change Management, both built on our AI Bank in a Box (BIAB) platform.

  • How

    We run pursuits and deliveries through the PBWM AI Execution Model — from Insights and Innovation, through Enablement, to Implementation.

  • Who

    Liaise with the PBWM AI Core Team on your opportunities and projects; they own the offering, and you bring client context and delivery learnings back to them.

Next steps

  1. Upskill

    Build fluency on AI BIAB and the skillsets needed to deliver, through the PBWM AI team’s training programs.

  2. Reach out

    Contact the PBWM AI Core Team for support on your opportunities and project deliveries.