Perception of Small Business Owners in the Service Sector in Indonesia towards Artificial General Intelligence (AGI) as a Business Development Innovation

This study illuminates the nuanced perceptions of Indonesian service sector MSME owners toward AGI as a business development innovation, revealing that while they envision AGI as a transformative cognitive partner capable of contex-tual reasoning, adaptive learning, and creative amplification surpassing narrow AI tools by addressing unstructured challenges like hyper local demand forecast-ing and emotional nuance in customer interactions significant feasibility barriers persist, primarily centered on unpredictable costs (e.g., hidden fees, infrastruc-ture scalability) and technical complexity (e.g., non-intuitive interfaces, legacy system integration), which collectively heighten perceptions of AGI as a high risk investment; nevertheless, owners pragmatically advocate for context sensitive solutions such as modular pay per feature pricing, vernacular user interfaces, and incremental integration pathways to democratize access, aligning with their envi-sioned high impact use cases where AGI would drive operational efficiency (e.g., automating inventory, scheduling, and error reduction) and strategic innovation (e.g., hyper personalized customer experiences, real time market adaptation, and proactive risk anticipation), ultimately positioning AGI not merely as a survival tool but as a dual use engine for resilience and competitive differentiation that could redefine MSME scalability through intelligent resource optimization rather than linear resource accumulation, thereby urging AGI developers to recalibrate innovation toward inclusive, co designed ecosystems prioritizing affordability, usability, and seamless workflow augmentation to bridge the gap between theo-retical promise and grassroots realities in emerging economies.

本研究深入阐释了印度尼西亚服务业中小微企业（Micro, Small and Medium Enterprises，简称MSME）所有者对作为商业发展创新载体的通用人工智能（AGI）的差异化认知。研究表明，尽管这些所有者将AGI视为具备情境推理、自适应学习与创意赋能能力的变革性认知伙伴，其可通过解决超本地需求预测、客户交互中的情感细节等非结构化难题，超越狭义人工智能（narrow AI）工具，但当前仍存在显著的落地可行性壁垒，主要集中在不可预估的成本（如隐性收费、基础设施可扩展性不足）与技术复杂度（如操作界面非直观、遗留系统集成难题），上述因素共同强化了AGI作为高风险投资的认知；尽管如此，这些所有者务实倡导采用情境化解决方案，例如按功能模块化定价、母语化用户界面以及渐进式集成路径，以推动AGI的普惠化应用；这些方案契合他们所设想的高价值应用场景——在这些场景中，AGI可提升运营效率（如自动化库存管理、排班与错误排查）并推动战略创新（如超个性化客户体验、实时市场适配与主动风险预判）。最终，AGI不应仅被视作生存工具，更可成为兼具韧性塑造与竞争优势赋能的双重引擎，通过智能资源优化而非线性资源积累重新定义中小微企业的扩张路径。由此，本研究呼吁AGI开发者重新调整创新方向，构建以可负担性、易用性与无缝流程增强为核心的包容性协同设计生态，以弥合新兴经济体中AGI理论价值与基层现实之间的差距。