It's very clear now. Lo Hwei Yen was killed because of...

[masgnoeL]

Ms Lo's last message was "Tell them (MFA Authorities?) to hurry up". Meaning the terrorist's demands were still not being met!

BTW, it would also be interesting to know if the 2 rounds that killed her had been from the AK47s or the WWI vintage rifles used by the Indian Army?

If AK47 rounds, then huge exit wound from the torso and the husband wouldn't be able to touch the cheek of his dead wife with a head wound from an AK47 round?

Well, we will never know. Ms Lo is dead and dead people tells no tales.
I doubt anyone will do any forensics. Anyway, she is already cremated. The truth goes with her and only her hubby will know more than anybody else but I doubt he has any capacity to seek the whole truth. He can't even get MFA to act on his wife's message.