AI dan UMKM, dua hal yang mungkin terdengar jauh, tapi sebenarnya memiliki potensi besar untuk saling menguatkan.
Di tengah perkembangan teknologi, AI atau artificial intelligence sebenarnya tidak hanya untuk perusahaan besar. Dengan strategi yang tepat, AI bisa menjadi senjata bagi UMKM untuk menambah cuan, mempercepat kerja, atau bahkan membuka peluang pasar yang lebih luas.
Di tengah perkembangan teknologi, AI atau artificial intelligence sebenarnya tidak hanya untuk perusahaan besar. Dengan strategi yang tepat, AI bisa menjadi senjata bagi UMKM untuk menambah cuan, mempercepat kerja, atau bahkan membuka peluang pasar yang lebih luas.
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TVTranscript
00:00So we have a product called AI Mentor, we inject or we train the AI with content or knowledge related to UMKM.
00:10If there is a problem, we try to solve it together with AI, because AI can give us a solution.
00:19Hello, investors. Welcome back to Fincast, your home of finance and investment.
00:30This time with me, Rosalicio, and I'm here with our special guest, Mr. Tio Guritno.
00:36Hello, how are you?
00:37Hello, Ms. Ucha. How are you?
00:38How are you?
00:39Whatever the situation, if you look at Mr. Tio Guritno, he always has a very young vibe.
00:44Amen.
00:45He always gives positivity and energy as well as optimism.
00:49Mr. Tio, in this Fincast, we will discuss the relationship between UMKM and AI.
00:54If the public thinks that AI is very far away, the relationship is very high.
01:01It seems that only large corporations are affected by AI.
01:05Even though UMKM actually has great potential to advance with AI.
01:11Because in the middle of the development of technology, AI is actually very easy to use by many people.
01:18And actually the investment is not as big and as crazy.
01:22Talking about Inspigo itself, we call it a business learning platform.
01:28The relationship between Inspigo, which we all know, is more likely to be large corporate clients.
01:35Then also individual, maybe training for employees, HR, like that.
01:39What is the relationship with UMKM like? Maybe Indonesian people or Fincast viewers also need to know.
01:45Okay, thank you, Ms. Ucha.
01:46So, Inspigo also helps to support UMKM through community programs.
01:52In Inspigo itself, we have a learning curve of 10, 20, 70.
01:5810% we admit knowledge, usually with training.
02:01There is offline or online training or on-demand content.
02:04In Inspigo, there is a lot of on-demand content.
02:0710% of the knowledge we learn from training and on-demand, we train.
02:13Usually in real life, the concept is mentoring.
02:16We meet mentors, discuss with mentors.
02:18In Inspigo, we use simulation with AI.
02:23So, for example, we practice sales.
02:26The counterpart is AI.
02:28We practice with AI, then we will also be reviewed by AI.
02:33What is your performance, what is the score, what is the feedback, what needs to be improved?
02:3770% we implement skills that have been learned in real life.
02:43So, as UMKM employees or maybe owners, we can implement it.
02:49Then if we don't know, we ask the AI mentor.
02:52So, we have a product called AI Mentor.
02:54We inject or train the AI with content or knowledge related to UMKM.
03:02For example, how to promote, what is the price, what competitors, what we have to do.
03:08We train so that we can help entrepreneurs or people who want to learn from UMKM.
03:16Can have access to knowledge quickly.
03:19And can solve problems quickly too.
03:21Okay, so the AI mentor, then the AI role play is actually a service that can also be accessible for UMKM.
03:28Correct.
03:29Okay, now talk about the journey of UMKM itself.
03:32We know that the track record of UMKM in Indonesia is the backbone.
03:35With around 66 million UMKM employees in Indonesia.
03:39Then the contribution to RDB is also up to 61%.
03:43According to you, in general, is the overview actually significant?
03:49Or has it reached the maximum of our UMKM achievements these days?
03:53I think it can be more productive.
03:56While being a mentor at UMKM, I often get the same questions.
04:01Then the problem is more or less similar.
04:06And indeed in that class, the problem is the same.
04:09Later in the class, the problem is similar again.
04:11So actually there are things that I think can be made much more productive.
04:17Which is using AI in my opinion.
04:19AI as a companion, as our mentor, as our discussion partner.
04:25We see AI as a tool.
04:28We have to have knowledge too.
04:30So we have to keep learning.
04:33Not dependent on AI.
04:34But if there are questions, we can directly ask.
04:37Many asked me yesterday, for example,
04:39how do we innovate in our internal company with limited investment?
04:48But we want to innovate, there is refreshment in our products.
04:52How do we do it?
04:53It can help answer at that time.
04:55But if the question is, I'm not there anymore.
04:58What's the answer?
04:59So actually this knowledge can be collected.
05:02Finally it can be accessible to many people.
05:05Not just people who join the program.
05:07But maybe it can be people out there who actually need it.
05:11So it should be with technology.
05:14Not just AI.
05:15Now AI is in trend and is being used a lot.
05:19But with technology, I'm sure UMKM can be much more productive.
05:23Can be much more productive.
05:24Now we can see the latest data, 25 million UMKM has gone digital.
05:29But talking about going digital,
05:31maybe many people think that going digital is important,
05:33integrated with the digital ecosystem.
05:35Online sales, then the payment has been used.
05:40Chris, for example, has also joined e-commerce.
05:43But actually differentiating going digital and being integrated with AI.
05:48Is this different?
05:49Actually, AI is what we call AI at UMKM.
05:55Actually to help them acquire knowledge or ask quickly.
06:02For example, I want to open a store online.
06:03How?
06:04Can be guided.
06:05So I don't have to go anywhere, then join training.
06:10So this can be very simple.
06:12So actually, maybe integration is one thing.
06:18Words that seem difficult to integrate.
06:21Maybe we just adopt it.
06:22Adopt new technology to help us be much more productive.
06:28Because we can be closer to knowledge.
06:30Knowledge that used to be difficult to access.
06:33Or only certain people have it.
06:36Now it has been collected, it has been trained.
06:39AI should be very accessible and helpful for many UMKM.
06:45Maybe many people think,
06:47talking about AI, is the investment big or not?
06:50Because if you look at it from the offset or income,
06:54300 million per year in small micro businesses.
06:58But talking about UMKM, businesses that are starting to win,
07:01the revenue can even be tens of billions per year.
07:04In the beginning, you don't need to integrate technology into the business.
07:09If it's automation, it will be quite complex.
07:13But in my opinion, if there is a problem, we try to solve it together with AI.
07:19Because AI can give us a solution faster.
07:24Still, we have to decide.
07:25But usually we have to ask friends, mentors.
07:28We ask, but we decide what to do to solve the problem.
07:34So in the beginning, in my opinion, if there is a problem,
07:37there is an AI-first mindset.
07:40If there is a problem, the first thing to think about is,
07:43how can we ask AI, can this help solve the problem?
07:47We don't.
07:48Still, we have to have the knowledge too.
07:51We decide, not all of us.
07:53We just follow, we finally praise AI.
07:57Still, we decide for ourselves.
08:00But AI-first mindset, in my opinion, can be one of the things that can be easily done.
08:05And now we can use the outside too.
08:08Such as GPT, Mini, etc.
08:11Cloud.
08:12It can be done, and it's a lot for free.
08:14So in my opinion, there is no need for any investment.
08:17But it's more about the mindset.
08:19Okay.
08:20First, the mindset for AI.
08:22Where AI offers a much better efficiency, productivity,
08:26which makes it easier for us.
08:28But actually, you're talking about the ease of use of AI.
08:32In business, it's very variable, right?
08:34Starting from marketing,
08:36then from the administration,
08:38to financial management.
08:40The ease of use of AI, as you said,
08:45actually, MSMEs are still confused.
08:47Where does it start?
08:49So, in my opinion, first, we see it as a consultant.
08:54Consultant or mentor.
08:56We can ask anything.
08:57So, for example, we have a marketing problem.
09:00We want to enter a new market.
09:02One of my mentees from Papua wants to enter a market in Java.
09:06What should we do?
09:08What topics are relevant to people in Java Island?
09:12Because our product is very unique.
09:14Papua has relevance to healthy life,
09:17but how to crack the market?
09:19There can be a lot of discussions, a lot of research.
09:22In the end, he implements what has been discussed,
09:26then he tells us again,
09:28oh, I think this is not right.
09:30So, it can be reversed.
09:32In the end, they can find the right solution.
09:36That's in the market penetration area.
09:39For product development, there is feedback.
09:42Yesterday, I also mentored,
09:44they interviewed their customers.
09:47So, customers who have bought once a month,
09:52there are those who buy five times a month.
09:54So, there are heavy customers,
09:56there are regular customers.
09:58In the interview, what is the feedback?
10:00It is run through to AI.
10:02What is the pattern?
10:04What innovation can I do for the future
10:08so that I can still serve my customers
10:11and my customers become loyal?
10:13Things like that can be done.
10:16Financial can also be done,
10:18but it is a bit sensitive.
10:20If you use a public solution,
10:24it will go to the cloud.
10:26But technically, it can read.
10:30For example, our income in 2023 is like this,
10:332024 until October is like this.
10:36What is the trend?
10:38Where are the peaks in the months?
10:40Then why?
10:41We can ask him to analyze.
10:43So, we don't need to hire consultants.
10:46They can help us analyze
10:48as long as the notes are neat and detailed.
10:52Things like that can be done.
10:55And actually, what I see in the future,
10:58there is a high possibility that
11:00our company is only one or two people.
11:02But he has an AI team that can help them
11:06so they don't need too many teams.
11:10So, AI is very personalized.
11:14It can follow our previous records.
11:18So, the reference or preference
11:20that is presented at the moment
11:22is probably a combination of previous experiences.
11:28But actually,
11:30the platform or technology that needs to be used,
11:33when talking about building a strategy
11:36or the most basic business plan,
11:38is it as easy as holding a CPT and Gemini chart?
11:43Yes.
11:44If they are open to the public,
11:48they are trained with public information.
11:51At Inspigo,
11:52we work with the institution to train the AI.
11:57So, we train the AI
12:00with thousands of millions of documents
12:03related to MSMEs.
12:05For example, regulation,
12:07how to export and import,
12:10the availability of raw materials,
12:13we can train the AI.
12:16So, specifically for MSMEs.
12:20If you want to try,
12:22you can try the general one first
12:24to get used to the mindset.
12:27But for those who have been trained,
12:28it will be more like that,
12:29giving suggestions.
12:33In my opinion, just be open.
12:36The important thing is to be open first.
12:38Sometimes the hard part is there.
12:41The AI is ready to help,
12:44ready to give answers,
12:47but the human is ready or not.
12:51So, the mindset is changed first.
12:53When we are used to the general one,
12:55we can decide to go in advance,
12:58joining the training,
12:59joining the community.
13:02But how sophisticated is this AI
13:05that can provide personalization,
13:07various preferences for decision-making.
13:10As Mr. Tio said,
13:12at Inspigo, it is combined with the community
13:15and corporate as well,
13:17to work together to train the AI.
13:19Is this a different application or technology?
13:22Or what is it like?
13:23Yes, at Inspigo,
13:25we are open to the public.
13:27It's quite general.
13:28But for the programs,
13:30we work with institutions.
13:33For example, the Banking Institute,
13:35and also the UMKM course.
13:41In the program,
13:44sometimes UMKM wants to improve the class.
13:46We have to improve the model.
13:49How to improve the model?
13:51There must be a trend,
13:52the business must go up first,
13:53so that if there is a loan,
13:55it can be returned.
13:58But sometimes we don't know where to ask.
14:01If AI is trained with banking solutions,
14:06and directly connected to the banks,
14:09it can be much more efficient for them.
14:14Hopefully,
14:16this child can learn,
14:18then go up,
14:20and can be helped by financial institutions.
14:23Eventually, it can go up.
14:25Because it is massive,
14:28it can move by itself,
14:29the impact should also be massive.
14:31What needs to be open
14:33is the mindset at the beginning,
14:35then it needs to be accustomed,
14:36they also need to embrace it in the organization.
14:41For example, in my team,
14:44everyone has to use AI.
14:45If you don't use AI,
14:47you will be left behind.
14:48Because the output expectation
14:50which is usually only one output per week,
14:53now I expect maybe three outputs per day.
14:56So it has to be much more productive
14:58people are still the same,
15:00but much more productive
15:01because they use technology.
15:03The time is still the same,
15:04people are still the same,
15:05but the output is much more ...
15:07If humans want to stay relevant,
15:09they have to be much more productive.
15:10Otherwise, we can also be replaced by technology.
15:15But earlier, you talked about the mindset
15:17that needs to be changed.
15:18Actually, the obstacles of MSMEs
15:20that you see these days,
15:21especially in adapting to the digital ecosystem,
15:26what is the answer?
15:27Actually, it's human nature.
15:29If people don't know the benefits,
15:31people are not yet too motivated to adopt it.
15:37But once they know the benefits,
15:39their motivation increases.
15:40Maybe the benefits are not yet felt at this time,
15:44or maybe they are not yet too exposed to this technology.
15:47But I think once there are benefits,
15:49why is the use of CGPT Gemina so high now?
15:55The use is organic,
15:56without any promotions,
15:58because people know what the benefits are.
16:00Many people depend on it.
16:02For example, if someone dies,
16:03where can they go to work?
16:05I think MSMEs will be in that phase too.
16:09Those who already have an online store,
16:12they are already used to online,
16:14hopefully they can expand to that area too.
16:18But clearly, as entrepreneurs,
16:21we can't stop learning.
16:24Learning needs to be enjoyable,
16:26learning needs to be fun,
16:28and it's part of our duty to keep learning.
16:33Because the market is changing,
16:35the situation is changing,
16:36so with the accompaniment of technology,
16:39I think it will be easier to learn.
16:41Okay.
16:42Is there a practical test,
16:44or maybe a case study,
16:45how far can AI be maximized,
16:47the benefits of MSMEs?
16:49Maybe some examples in sales.
16:53In sales,
16:55some of my mentees also said,
16:58for example,
17:00they sell clothes,
17:01they go to big companies
17:04to sell clothing, etc.
17:06They need practice in the link.
17:10Actually, we can use technology like AI,
17:14in Inspigor, it's called AI Role Play,
17:16we can practice.
17:17For example, we meet from the government,
17:21we can customize the AI,
17:23we can configure it.
17:24When we talk to the government,
17:26it's not like in real life,
17:29but it's just role playing.
17:30That's practice.
17:31If the government is fierce,
17:32or the women are fierce,
17:33we can set it up.
17:34In the end, the skills in real life will be helped
17:37because we have practiced first.
17:41If they refuse,
17:42we can also ask the mentor,
17:44why don't you want this?
17:46Even though the variety of clothes is Rp10,000,
17:49why do you ask for this price?
17:51How do you solve the win-win situation?
17:56Sometimes it's minute by minute.
17:59We have to have an answer,
18:01it can't be more than a week,
18:02maybe a few hours or a day.
18:05It can help our discussion
18:06without having to call the mentor, etc.
18:09Maybe that's it.
18:11Especially to find a business through sales,
18:15I think it's very practical.
18:19In terms of marketing, internal management,
18:23can it help?
18:24Yes, it can.
18:25Someone asked me yesterday,
18:27what if I don't perform?
18:30What should I do?
18:31I feel sorry for him,
18:32he has a family, etc.
18:34But the business is down.
18:37There must be solutions
18:44to make people perform again.
18:47Because if they don't perform,
18:48the business is also impacted by underperformance.
18:52He asked me by chance,
18:54but in my opinion,
18:56the answer should be answered
18:58before meeting me,
18:59maybe before meeting the AI.
19:02Because from the beginning,
19:04what we know,
19:05training for entrepreneurs,
19:07mostly one-on-one mentoring with humans.
19:10But mentoring with humans,
19:12the cost must be expensive,
19:13the time is limited.
19:15But by being connected with AI,
19:18it becomes something very good.
19:20We become more independent.
19:21Still need to meet people,
19:23because there are many wisdoms that AI doesn't have.
19:26But the basic questions can go straight to technology.
19:31Because it's repetitive sometimes.
19:33Those who have wisdom and experience,
19:35those who have fallen and risen,
19:37it's usually difficult to deliver with technology.
19:40It must be with a real person who has experienced it.
19:44So, you get the emotion,
19:46maybe you get the spirit.
19:48But it's a bit further in the layer.
19:51So, in the beginning,
19:52you can do it with technology first,
19:54and then meet the person.
19:57Okay.
19:58Then, when UMKM already has the mindset
20:01to adjust to AI sophistication,
20:05to decide to change the mindset,
20:08in your opinion,
20:09the main step that needs to be done
20:11starting from using AI first,
20:14or then looking for a community,
20:16what do you think needs to be done?
20:18If using technology,
20:19first, you need to have an open-minded mindset.
20:23Second, in using this technology,
20:26in my opinion,
20:27the most important thing is to learn the art of asking.
20:31Because the way we ask
20:33will greatly affect the answer that will be given.
20:36So, if we ask,
20:38there are closed-ended questions and open-ended questions.
20:41If it's closed-ended,
20:42it's just,
20:43is this good?
20:44No?
20:45Or yes?
20:46But it's open-ended,
20:47please tell me how to do it like this.
20:50Because when we ask,
20:52the way we instruct AI also gives instructions.
20:56That's also part of our training.
21:01Because I've been in this area for quite a long time,
21:06I can see people who give the right or good instructions
21:11are the same as usual.
21:12You can see the results.
21:14So, the results are really deep,
21:16really thorough,
21:17really detailed.
21:18The other one is just general.
21:20Actually, the art of giving instructions
21:23gives a reflection of when we are in real life,
21:29giving instructions to our team.
21:31So, sometimes at the beginning,
21:33I use AI generative,
21:35the results are like this.
21:38Then, when I think about instructing my team,
21:41it turns out that my team's instructions are not too detailed.
21:44That's why the results are like this.
21:46So, there are a lot of reflections that I experienced
21:49when instructing AI.
21:51It turns out that I have to be more detailed.
21:53Then, it has to be wider too.
21:57Explain the situation.
21:59So, in the end, everything comes out.
22:03In my opinion, not many people have it.
22:07Maybe they will experience it when using the technology.
22:10But that's another skill that I think needs to be learned.
22:13It is the art of asking and the art of giving instructions.
22:16Wow, this is an interesting insight.
22:18It turns out that there is also the art of communication.
22:20Then, the output produced by AI is not in line with what we want.
22:24Maybe our mind is not yet interpreted with good diction
22:28to instruct the AI itself.
22:31Or sometimes, one thing can be done with various perspectives.
22:35So, please look from this perspective,
22:37this perspective, and this perspective.
22:38Then, combine everything.
22:40We also have to be able to instruct AI
22:43to see from different perspectives.
22:45Sometimes, we just want it from our perspective.
22:48Well, those things.
22:50So, I think that's part of the learning
22:53in using this technology.
22:55Because the technology is advanced,
22:57but how we use this technology
23:00is the key to success
23:03or the function of the technology itself.
23:06So that we don't become dependent on AI
23:09but we are more advanced in controlling AI.
23:12So, in my opinion, reading books,
23:14still learning, still have to.
23:17Because it is the foundation for us to be able to ask
23:20or learn something from the AI.
23:23Okay.
23:24Okay, so far from Instigo itself,
23:26do you have any features or services
23:28that UMKM is curious about?
23:30If I want to get in touch with these services,
23:32what should I do?
23:33Yes, of course, there are a lot of content in Instigo.
23:35Learning content.
23:37You can learn about leadership,
23:39about sales, marketing.
23:43That's the content I said 10%.
23:45Learn from the experts,
23:47from the experts.
23:48It can be accessed by UMKM.
23:5220% of it is training.
23:56Training can also be used.
23:57Some are open to the public.
23:5970% of it will be open to the public soon.
24:04But now there are still a lot of programs using it.
24:07But the point is,
24:09the vision of Instigo is
24:11learning has to impact performance.
24:16So if we learn but we don't improve,
24:19there is something wrong in the learning process.
24:23Because learning has to make us perform better
24:26in our work or whatever it is.
24:28So we go from end to end
24:32to help people learn.
24:35It's not just knowledge acquisition,
24:37but to apply the knowledge,
24:40how to make them perform better.
24:42Not just to get insights, but how to apply it.
24:45That's the hardest part.
24:47I tried it yesterday after public speaking training.
24:49Now I'm good, right?
24:51If you don't practice, you can't do it.
24:53But if you practice and have questions,
24:56you can call the trainer.
24:58You can ask them about the technology.
25:01In the end, you can practice and role play again.
25:04Hopefully, you can become a better public speaker.
25:08I heard there is an upcoming project
25:11or something for the community
25:13that can be impactful for UMKM.
25:16At the end of November,
25:18we will launch with the community and institutions
25:23a special UMKM AI mentor.
25:27We are in the process of training the AI
25:31to be really helpful.
25:33Because as long as I'm a UMKM mentor,
25:35I get a lot of questions.
25:38We want to make sure the AI can answer those questions.
25:42And maybe it can answer better than me.
25:45Maybe if there are more experiences.
25:47But in theory, the AI can be trained.
25:52So, all UMKM members who join this program
25:55at the end of November
25:57can ask our AI mentor.
26:01And hopefully, it can help
26:03the development of UMKM much faster.
26:06Wow, okay.
26:07So, you have to keep up to date.
26:11Keep up to date on social media.
26:13I will post on my own social media.
26:17If it's launched, you can join.
26:20Okay, that's cool.
26:21Maybe the last thing from you.
26:23Any advice or tips for UMKM entrepreneurs
26:26who are often worried about starting to take a step.
26:30They are afraid of AI, about data privacy.
26:34Then they also think about
26:36what if all the employees are replaced by AI.
26:40I think there are a lot of considerations.
26:42How about you?
26:43I don't know if entrepreneurs or UMKM
26:46if all the employees are replaced by AI,
26:48they will be happy or not.
26:50Because the term may be far more productive.
26:52But clearly, from the point of view of entrepreneurs
26:56or UMKM owners, UMKM actors,
26:59I think it's open-minded to learn something new
27:02especially technology.
27:03Secondly, the problem-solving mindset.
27:07We always have problems.
27:08As entrepreneurs, we have a lot of problems in a day.
27:11And we are used to problems.
27:13We want to solve problems quickly.
27:15How can these technologies help us solve the problem?
27:20From there, the benefits will be seen.
27:22In the long run, from just solving problems,
27:26AI can enter the business process.
27:32That's the last step.
27:34If it's comfortable and the investment is good.
27:37But if it will give efficiency
27:40and a lower cost than now,
27:43why not to explore?
27:45So, that's probably the last level
27:47where it has begun to integrate.
27:49But the mindset is open first,
27:51adopt and make it a habit.
27:54It's something we do every day.
27:57I think it's easier to do.
27:59Integrating is probably the last.
28:02Okay, but maybe last,
28:04related to our competitiveness as employees.
28:07How do we need to adapt to AI?
28:11What competitiveness do we need to improve
28:13in the next 5-10 years?
28:15So, as humans,
28:18AI capabilities are very advanced.
28:23And this is still the early version.
28:26The early version is very advanced.
28:28As humans, our job later,
28:31maybe because I often help corporations,
28:33is that we first have to adopt this technology
28:38and embrace it.
28:40And later we will have an AI team.
28:44Now there is an AI agent.
28:46AI agent is one to help our career.
28:50One to help our job.
28:51So, for example, our job is sales.
28:53What about my sales?
28:54So that it's higher.
28:55Then one more, maybe for mental health.
28:57What about our health?
28:59One more for productivity.
29:03Later, this AI,
29:05now it's actually starting to be able,
29:07but it's not too common.
29:08I think maybe next year it will be more common again.
29:11AI can be instructed.
29:14Every morning you check this source, this TV,
29:18this, this, this, all kinds.
29:19Collect the data, give it to me every 7 o'clock in the morning.
29:24He will do it every day.
29:26And he can still ask,
29:27oh, what about the gold price?
29:29Like this, like this, like this.
29:30He has made his own summary.
29:31I can discuss.
29:32Maybe in the case of UMKM,
29:35I need that.
29:36I need that price.
29:37For example, the price of food or all kinds.
29:39Then later the others can also.
29:42Later every day I want to have an email to this, this, this.
29:46Automated.
29:48But the email is based on the results of my meeting.
29:51For example, so he will record our meeting.
29:53Then later it will be sent.
29:54So later there will be a lot of discussion.
29:59Then also interaction with the AI.
30:02And the AI can be given instructions.
30:06Finally, a lot of automation.
30:08So we don't need to have one team, one person, one person.
30:12Later the AI can help do that.
30:15So that we as employees,
30:18we have to learn to manage it.
30:22We can have a lot later.
30:24The more comfortable we manage it,
30:27the more unique value we have.
30:29That's what will be sought later.
30:31I feel a lot in the future.
30:33Okay, that's really cool.
30:34So for us as individuals,
30:36decide to go with AI.
30:37And we will, other than Ibu Daka,
30:39we will also know how far AI is.
30:41So we can also be aware.
30:44Okay, if AI can get here,
30:46it means I have to get there.
30:48I have to be the master of all this AI.
30:53So assume, for example,
30:55Tio is now at this level,
30:57but with all these AI agents,
30:59Tio can raise the level again.
31:01So it looks like that.
31:03Okay, that's really cool.
31:04As Tio said, raise the level.
31:06It can start from UMKM, from individuals,
31:08everyone has to raise the level
31:10with AI itself.
31:13Thank you so much, Tio.
31:15Gorinno has joined FinCast,
31:17your home of finance and investment.
31:19Hopefully, FinCast fans or investor friends
31:21can get a lot of insights.
31:23And of course, not only get insights,
31:25but also start to decide,
31:27start to change,
31:28and make decisions starting from now.
31:30I wish you all the best.
31:32Thank you, Ibu.
31:33I wish you all the best for Instigo.
31:34Always give the best works
31:36to then give a very positive impact
31:38for the people in the future.
31:40See you again, investor friends.
31:42And don't forget to keep watching
31:43IDX Channel,
31:44Your Trustworthy and Comprehensive Investment Reference.
31:46See you in the next video.
31:47Thank you and goodbye.
31:53IDX Channel
31:55Your Trustworthy and Comprehensive Investment Reference
31:57See you in the next video.
31:59Thank you and goodbye.