Building Indonesia's AI Future

"Building Indonesia's AI Future," an exclusive event co-hosted by Google Cloud and Argor venture capital on November 11, 2025, in Jakarta, Paper.id's Division Lead of Data Science and Engineering, Fiqry, presented a compelling case study demonstrating how the company is transforming into an AI-Native organization to capture Indonesia's digital economy opportunity.

Paper.id, a comprehensive B2B payment platform dedicated to enhancing SME productivity, is spearheading a high-level organizational transformation to become an AI-Native company, driven by its Data Science and Engineering division's focus on accelerating adoption and building a cross-functional AI culture. Internally, this commitment is demonstrated by the fact that 100% of data and AI engineers are adopting AI agent collaborators in their daily workflow, and significant operational processes, such as bank reconciliation and KYC verification, utilize AI, processing trillions of rupiah with high accuracy. The company actively encourages this shift through the demonstration of high-velocity development, notably with Project Circe, which leveraged a lean three-person team to cover 18 specialized roles using Vibes Coding and Agentic Collaborators to achieve PRD-less Software Development and deliver a full-quality, AI-native product in just 45 days, a speed increase of over 83% compared to traditional development. Strategically, Paper.id positions this adoption of AI-Native Software Engineering (SE 3.0) as imperative, emphasizing that AI is a critical force-multiplier for Indonesia's MSME potential and presenting the move to be AI Native as the essential mechanism required to capture the next $366 Billion of Indonesia’s Digital Economy space in 2030. This shift is encouraged as a vital solution to bolster the structural fragility of the MSME sector, where AI can act as a consultant to improve financial management and centralized control, ultimately reducing the high rate of early business failures.

Transcript

1. ⓒ 2025 Paper - Confidential & Proprietary Building Indonesia AI’s Future Google Cloud x Argor 11th November 2025 | Google Office, Jakarta
2. ⓒ 2025 Paper.id - Confidential & Proprietary 2 About Fiqry Revadiansyah Division Lead Data Science & Engineering Data & AI Executive with 7+ years of experience Background: Fintech, Mgmt Consulting, and E-commerce 25+ talks at National & International events Mentor of 5000+ professionals in AI and Data Leading AI & Data Innovation at Paper.id Advisory Board Member Dept. of Statistic Universitas Padjadjaran Adjunct Assistant Lecturer FEB Universitas Indonesia (Master Program) Speakership Portfolio Guest Lecturer ITB, Unpad, UMN, Tel-U, UAI, etc.
3. Building Indonesia AI’s Future 01 About Paper ID ⓒ 2025 Paper.id - Confidential & Proprietary 3 02 Redefining Software Engineering 03 Project Circe - How Paper.id build AI-native Product 04 Building Indonesia AI’s Future 05 Closing Remark
4. ⓒ 2025 Paper.id - Confidential & Proprietary 4 Paper.id is the most comprehensive B2B payment platform that enhances SME productivity. What is Paper.id? Send, manage, and track invoices and business documents, easily access auto-generated financial reports. 1 Invoice Enable digital payments through various methods, integrated with automatic reconciliation of invoice payment status. 2 Payment 3 Financing Connect business with financial institutions through invoice and credit card-based financing. A comprehensive digital invoicing and payment platform for businesses that improves productivity and efficiency.
5. ⓒ 2025 Paper.id - Confidential & Proprietary 5 Paper.id is the most comprehensive B2B payment platform that enhances SME productivity. What is Paper.id? Established in 2017, Paper.id has earned the trust of leading brands and financial institutions, over 700.000 businesses locally and globally Renowned Brand Utilizing Paper.id Strategic Partners and more and more
6. ⓒ 2025 Paper.id - Confidential & Proprietary 6 Paper.id Milestone 2017 Paper.id launched Invoicing platform 2018 Paper.id launched Accounting & Inventory Management Solution 2019 Paper.id mobile app launched on Playstore 2020 We’ve released an enterprise solution and formed partnerships with popular service like OVO and Tokopedia. 2024 Paper.id's mobile app has launched on iOS, and we've secured Series B funding 2023 We’ve launched PaperCard with BRI. The 1st Business Credit Card in Indonesia 2022 We’ve launched e-Materai in e-invoicing with PERURI directly and released Enterprise Solutions for Kopi Kenangan & J&T Cargo 2021 We’ve partnered with several FIs and introduced CC Payment for B2B customers.
7. Data Science and Engineering @Paper.id ⓒ 2025 Paper.id - Confidential & Proprietary 7
8. ⓒ 2025 Paper.id - Confidential & Proprietary 8 At DSE, together we moving beyond AI buzzwords to deliver measurable customer value: accelerating adoption, building cross-functional AI culture, and scaling intelligent solutions Project Highlights Breaking silos through BU and cross-division collaboration 3 in 5 Paper.id employees used AskOrion, Human capital agent for internal bot Rp3.0T amount processed via OCR & Bank Reconciliation in H1 2025 53% fewer failed attempts on KYC verification using built-in OCR Rp10 B amount processed via AI recon capturing a 99.99% accuracy & auto recommendation >90% data warehouse tables built on top of the AI, including metadata and data quality check 100% data & AI engineers were adopting AI agent collaborator in daily use case Strategic Initiatives In the pursuit of shaping an AI Native company Paper.id AI Demo Day Where breakthrough AI prototypes meet real-world innovation, showcasing the future of intelligent enterprise solutions Collaborative AI and Data Culture Empowering shared ownership and cross-BU innovation to unlock enterprise-wide intelligence Paper.id MCP Server Enables seamless integration, automated invoicing, payment processing, and business cash flow management AI Demo Day Recap Summarized strategic way to deliver value Lyra: PaperGPT Self-hosted “Gemini" for Paper.id employee for better data governance and security usage PaperMate: Chat to Send Invoice Self-hosted integration service for enabling user send, remind invoice or payments using natural chat PaperQuery: Chat to Create Insight Enable more analytical and data pull capabilities using natural chat
9. ⓒ 2025 Paper.id - Confidential & Proprietary 9 Redefining Software Engineering
10. ⓒ 2025 Paper.id - Confidential & Proprietary 10 Redefining Software Engineering Annual recurring revenue (ARR) in 6 months with team of 15 $80M sold to wix.com in 6 months of development $50M $100M Annual recurring revenue (ARR) in 2 years with team of 20
11. ⓒ 2025 Paper.id - Confidential & Proprietary 11 Redefining Software Engineering The Next Era of Software: Redefining SE Principles with AI Collaboration “25% of Winter 2025 Batch, 95% of their codebases written by AI” - Garry Tan *Hassan, A.E., Oliva, G.A., Lin, D., Chen, B. and Jiang, Z.M. (2024) Towards AI-Native Software Engineering (SE 3.0): A Vision and a Challenge Roadmap. Available at: arXiv:2410.06107
12. ⓒ 2025 Paper.id - Confidential & Proprietary 12 AI will write 95%+ of code by 2030 *Bessemer Venture Partners projection Emerging Roles: AI Engineer, Prompt Engineer, Context Engineer, and AI Orchestrator Team Structure and Roles transform as AI enables order-of-magnitude productivity leaps 37% acceptance rate for suggestions, 45% of reduction in hours spent, 59% decrease in web searches manually Redefining Software Engineering Software 3.0: AI agents compress development cycles from months to minutes
13. ⓒ 2025 Paper.id - Confidential & Proprietary 13 The Era of “Vibes Coding” Architect Design the structure and flow before diving into code. Ask Query AI to generate, refine, and debug the implementation. Amplify Enhance and iterate the output to unlock its full potential.
14. ⓒ 2025 Paper.id - Confidential & Proprietary 14 Orchestrating AI-Native Stack Role Fully Automated Partially Automated Key AI Tools Product Manager User Story Generation PRD Drafting Competitive Analysis Report Requirements Gathering Product Strategy & Roadmap Stakeholder Management Gemini/ChatGPT/Claude for Deep Research Backend Engineer API Scaffolding Boilerplate Code Unit Tests Performance Optimization System Integration Multiple Repository Code Any Agentic Coding Collaborator Frontend Engineer Component Generation UI Implementation Responsive Layout & Styles Complex Interaction State Management Performance Tuning Any Agentic Coding Collaborator QA Engineer Unit Testing Generation E2E Test Script Regression Test Test Strategy Edge Case Identification UAT Coordination LLM as Judge using Playwright/Cypress AI/Agent Mode like GPT/Manus
15. ⓒ 2025 Paper.id - Confidential & Proprietary 15 Project Circe: How Paper.id build AI-native Product
16. Project Management Project Circe ⓒ 2025 Paper.id - Confidential & Proprietary 16 Introduction - Project Circe Building an AI-native Product Development: myreserva.id Market Analysis Use case assessment Prototyping Revisit the use case Piloting Iteration and feedback loop Scaling up Move on to next sector A vision born from the legendary Greek goddess of transformation, where the power of shapeshifting becomes the essence of innovation. Deep Research Deep Research Vibes Coding: Hi-Fi to Code Agentic AI to find leads In depth interview Deep Research Vibes Coding: Hi-Fi to Code Vibes Coding: Hi-Fi to Code Transforming Paper.id to serve multiple high potential business segments through AI transformation. Staff & Resource Management Booking and Scheduling Concept testing to users Calendar & Appointment Customer Database Management Payment Processing Business Analytics & Automated Report A multi-tenancy digital platform that lets users book beauty treatments, salon visits, and clinic appointments.
17. ⓒ 2025 Paper.id - Confidential & Proprietary 17 Introduction - Project Circe Building an AI-native Product Development: myreserva.id
18. ⓒ 2025 Paper.id - Confidential & Proprietary 18 Introduction - Project Circe Building an AI-native Product Development: myreserva.id https://myreserva.id/
19. How do we build myreserva.id? ⓒ 2025 Paper.id - Confidential & Proprietary 19
20. ⓒ 2025 Paper.id - Confidential & Proprietary 20 Introduction - Project Circe Manpower Management Building an AI-native Product Development: myreserva.id A vision born from the legendary Greek goddess of transformation, where the power of shapeshifting becomes the essence of innovation. Solution Architect Product Manager Full Stack Developer GTM Strategy Project Circe demonstrates that a lean team of only 3 people can deliver full-quality software using Vibe Coding, matching the standards of conventional high-quality SDLC. Architecture & Infrastructure Research, Marketing, PM, Operations, Admin Frontend and Backend 45 days of preparation Strategic Thinking Partner “Extra Employee” / Agentic Collaborator PRD-less Product Development Yes, we employ AI for the processes:
21. ⓒ 2025 Paper.id - Confidential & Proprietary 21 Introduction - Project Circe How 3 people leveraged AI to handle 18 specialized roles at this project Solution Architect Product Manager Full Stack Developer GTM Research Social Media Admin BD and Commercial Marketing (Ads & Content) Project Management Product Analyst DevSecOps Engineer Platform Engineer Backend Engineer Frontend Engineer Cloud Architect Site Reliability Engineer Tech Lead Security Engineer UI/UX Developer API Developer Database Engineer QA Engineer Job Descriptions / Functionalities Team Member
22. ⓒ 2025 Paper.id - Confidential & Proprietary 22 Introduction - Project Circe How 3 people leveraged AI to handle 18 specialized roles at this project Solution Architect Product Manager Full Stack Developer GTM Research Social Media Admin BD and Commercial Marketing (Ads & Content) Project Management Product Analyst DevSecOps Engineer Platform Engineer Backend Engineer Frontend Engineer Cloud Architect Site Reliability Engineer Tech Lead Security Engineer UI/UX Developer API Developer Database Engineer QA Engineer Can be automated fully/partially with AI Still untouchable with AI (at least for now) Job Descriptions / Functionalities Team Member
23. Market Research Content Creation ⓒ 2025 Paper.id - Confidential & Proprietary 23 Introduction - Project Circe Operational and Product Management: Building the intelligent data and AI platform today Mixed Deep Research methodology UI/UX Prototyping Thinking Partner and Agent Collaborator Video: Google Veo 3/3.1 Image: Gemini Flash 2.5 Nano Banana Mockup UI and Feature Placement
24. Social Media Content Generation ⓒ 2025 Paper.id - Confidential & Proprietary 24 Introduction - Project Circe Operational and Product Management: Building the intelligent data and AI platform today Prompt Generation -> Prompt (JSON format) -> Image / Video Generation
25. Agentic Market Research Market Research ⓒ 2025 Paper.id - Confidential & Proprietary 25 Introduction - Project Circe Operational and Product Management: Building the intelligent data and AI platform today Competitive Analysis + Market Segmentation + Technology Feature Research + Synthesis & Documentation Prompt Generation -> Deep Research -> Research Summarization 40 hours spent 1 hour spent Agentic Collaborator (40x efficiency)
26. Software Development Agentic Coding Collaborator ⓒ 2025 Paper.id - Confidential & Proprietary 26 Introduction - Project Circe Software Engineer: Building the intelligent data and AI platform today Best model choice: - Sonnet 4.5 - Opus 4.1 Cloud Run, Pub/Sub, Logging Load Balancer, Cloud Armor, GKE Marketing and Analytics Tech Stacks
27. ⓒ 2025 Paper.id - Confidential & Proprietary 27 Introduction - Project Circe Software Engineer: Building the intelligent data and AI platform today Master doc.md (Center Hub) Task 1 Task 2 Task XX Code Code Code Test Test Test Production Code (Consistent Quality) This master doc acts as the project's persistent memory Contains all architectural decisions, patterns, and standards Each task follows identical workflow - load, implement, test, review from the same execution slash command Research and Requirement Input PRD-less Software Development After the code is deployed, we leverage Agentic AI capabilities to perform E2E testing on our platform Agentic QA Development AI to create feature roadmap, list, tech stack, product list
28. ⓒ 2025 Paper.id - Confidential & Proprietary 28 Introduction - Project Circe Software Engineer: Building the intelligent data and AI platform today Prompt Example for AI-Native Software Development
29. ⓒ 2025 Paper.id - Confidential & Proprietary 29 Introduction - Project Circe Software Engineer: Building the intelligent data and AI platform today Agentic QA Result in Excel
30. ⓒ 2025 Paper.id - Confidential & Proprietary 30 Introduction - Project Circe Getting the users: how we get our users? Reserva GTM Strategy Acquisition Activation Retention O ine Approach Inactive Paper Users Data Scraping Outbound Ads Landing Page WA / IG Chat Bidaily Follow via Chat
31. ⓒ 2025 Paper.id - Confidential & Proprietary 31 Introduction - Project Circe Results: From Concept to Launch in 45 Days Across Multiple Segments Traditional Development Reserva (AI-Powered) Time to market Team size PMF Validation 4-6 months 8-10 people 3-6 months 45 days 3 people 6 weeks +83% faster +70% leaner +83% faster Through AI, we unlock speed, efficiency, and quality that were not through as possible before A few days after launch, keen users across multiple segment are trying our product Private Practitioner Beauty Clinic Pilates Studio Spa and Massage Even, we get strong Interest from users, even from pre launch phase Finally, WE ARE LIVE! Ready to serve your booking, scheduling, and payment needs
32. ⓒ 2025 Paper.id - Confidential & Proprietary 32 Building Indonesia AI’s Future
33. ⓒ 2025 Paper.id - Confidential & Proprietary 33 Most Indonesian MSMEs Can’t Survive Beyond Three Months While Indonesia’s MSME sector is expanding rapidly and contributing over 60% to GDP, yet 60.2% fail to survive beyond their first three months. This reflects a critical gap: high growth at the macro level, but low resilience at the operational level. 1st Month 2nd Month 3rd Month 4th Month >4th Month 21,34 18,54 20,29 9,38 29,81 60.2% The Survival Capability of MSMEs (2021) Small businesses globally are at risk of failure within 3 months if unsupported – According to surveys during crisis periods (e.g., McKinsey during COVID-19), 1 in 2 small businesses reported they wouldn't survive 90 days without incoming revenue or support. OECD data shows that 33% of global SMEs could go bankrupt within 1 month, and 50% within 3 months without policy or financial intervention, highlighting structural fragility. 50% 33% MSME failures are due to poor financial management – Data from the U.S. Small Business Administration and AMPU indicate that most early-stage failures result from cash flow mismanagement rather than product-market mismatch or marketing issues. 82% While not all MSMEs fail within the first 3 months, those that do contribute to a reduction in the overall economic output, affecting GDP and employment rates. If 60.2% of MSMEs fail within their first 3 months, the implications are systemic: With MSMEs employing around 97% of Indonesia's workforce, early closures can lead to significant job losses, particularly in informal sectors. High failure rates can lead to increased non-performing loans (NPLs) in the banking sector, affecting financial stability.
34. ⓒ 2025 Paper.id - Confidential & Proprietary 34 Capturing Indonesia’s AI-Driven Growth Opportunity Unlocking the 60% informal economy, from financial inclusion to agricultural transformation potential AI acts as a consultant that guides MSME owners in decision-making, reducing the need to hire specialized staff. MSME AI Assistance Manage all branches or different businesses from one centralized dashboard for faster control and decision-making. Automate the process of scanning and recording invoices and receipts with OCR technology, saving dozens of hours of manual work each month. Centralized Multi-Business Management Seamless document automation Control cash flow, expenses, and stock levels in real-time with automated alerts to prevent losses and stockouts. Gain deep insights into sales trends and customer behavior to create more effective and targeted marketing strategies. Smart Financial & Inventory Control AI-Powered Customer Insights $ 366 B Economic Impact (%) by Sector in 2030 60% workforce in informal economy (170M+ people), where 70M unbanked adults, largest unbanked population in SEA $2.1T numbers aimed for 2030’s GDP, where the elevation comes from $366 B of AI adoption across key sectors
35. ⓒ 2025 Paper.id - Confidential & Proprietary 35 Closing Remark
36. ⓒ 2025 Paper.id - Confidential & Proprietary 36 Company isn’t just about Code When we realize that “Vibe Coding” won’t help much, it only covers up 20% of all functionalities Monetary Health and Unit Economics (Foundation) • Your business generates more value from each customer than it costs to acquire and serve them. Without healthy unit economics (LTV > 3x CAC, gross margins >70%), you're building on sand no matter how impressive everything else looks. 2 Technology and Operational Excellence (Vibe Coding here) • Your tech stack works reliably (99.9%+ uptime) and your operations run smoothly with clear processes that don't require constant firefighting. The product ships updates regularly, bugs get fixed quickly, and the team knows what to do without daily crisis meetings. 3 Product-Market Fit and Customer Success • Customers can't imagine going back to life before your product, actively use it, and tell others about it without being asked. Retention is high (>98% monthly), customers expand their usage over time, and your NPS score is above 50. 4 Market Position and Moats • You've built defensible competitive advantages that make it hard for others to replicate your success or steal your customers. This could be network effects (marketplace gets better with more users), data moats (insights from millions of bookings), brand dominance, or high switching costs. 1 5 Vision and Leadership • The founders can articulate a compelling future that attracts top talent, inspires the team, and gets investors excited about 10x potential. Leadership makes consistent decisions, adapts when needed, and builds a culture where people do their best work.
37. ⓒ 2025 Paper.id - Confidential & Proprietary 37 Is Vibe Coding always Worth Buying? Criticism on “Automating the contextless” Software Engineering 3.0
38. ⓒ 2025 Paper.id - Confidential & Proprietary 38 The real engineering happens here Specification How you define the problem Planning How you structure the solution Task Decomposition How you break down the work Implementation How you execute with quality
39. ⓒ 2025 Paper.id - Confidential & Proprietary 39 GenAI is not about creating the new thing (code/etc), it’s your thinking partner and iteration tool Do your own vertical niche, AI is a force-multiplier for Indonesia’s MSMEs potential and critical sectors AI Native isn’t just a narrative, it’s your gun to capture the next $366 Billion of Indonesia’s Digital Economy space in 2030 Software Engineering 3.0 is your call, accommodate your working behavior with AI-first. Always starts small then iterate very quickly. Building Indonesia AI’s Future Architecting, building, and iterating the next frontier of Indonesia’s digital economy in 2026 and beyond
40. Thank you! Building Indonesia AI’s Future 11th November 2025 | Google Office, Jakarta ⓒ 2025 Paper.id - Confidential & Proprietary 40