I think the body and clothes are ai-generated, with the head and foreground water effects probably drawn manually. My main reason being that the place where the left strap meets the top doesn't make sense, especially when compared to the strap on the other side.
Supporting evidence consists of: alternate breast size for the character, a multi-strapped bikini, perspective on neck and choker look wrong, and a white gap between the outline of her left breast/shoulder and the water behind it.
I think the body and clothes are ai-generated, with the head and foreground water effects probably drawn manually. My main reason being that the place where the left strap meets the top doesn't make sense, especially when compared to the strap on the other side.
Supporting evidence consists of: alternate breast size for the character, a multi-strapped bikini, perspective on neck and choker look wrong, and a white gap between the outline of her left breast/shoulder and the water behind it.