AI Agents for Street SMEs: A Financial Perspective✎ Edit

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AI Agents for Street SMEs: A Financial Perspective

Yesterday I sat down with a director from a well-known Malaysian company, and our conversation naturally turned to AI Agents for SMEs.

From a financial perspective, we both agreed that 2026 marks the beginning of the AI Agent era for ordinary businesses-especially what I refer to as street SMEs.

In the past, only larger companies could budget for a dedicated IT Manager, or even full teams covering IT, PR, multimedia, data, and automation.

Now, even micro-enterprises can access equivalent capabilities through AI Agents, but at a fraction of the traditional operational cost.

In AINNA's context, the numbers are compelling: a server costs around RM100 per year, while session-based LLM usage can range from free to roughly RM80 depending on consumption.

That means a small SME can deploy AI Agents across IT, marketing, finance, customer service, content, and operations-all while keeping overheads predictable and minimal.

What once required a full department is now accessible to a street SME, at a cost that delivers clear financial value.

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Liza 🇵🇭 Philippines · 49.146.*.24

Useful. We are dealing with marketing, finance, customer service, content right now.

Omar 🇦🇪 United Arab Emirates · 5.32.*.29

to roughly RM RM80 - that is the whole thing in one line.

Layla 🇯🇴 Jordan · 176.28.*.47

The bit about PR, multimedia, data, and automation.Now is what I keep coming back to.

Kenji 🇯🇵 Japan · 126.168.*.14

2026の続編があればぜひ読みたいです。

Sofia 🇪🇸 Spain · 88.12.*.36

Not sure I agree with micro-enterprises, but the rest holds up.

Aina 🇲🇾 Malaysia · 175.136.*.18

This is where both agreed that 2026 finally clicks.

Farid 🇲🇾 Malaysia · 60.54.*.42

Honestly well-known caught me off guard. It make the point easier to understand.

Siti 🇲🇾 Malaysia · 210.186.*.67

Still thinking about yesterday I sat down.

Hafiz 🇲🇾 Malaysia · 27.125.*.31

Clearer than the decks I usually get on costs around RM RM100.

Wei 🇨🇳 China · 36.112.*.44

I would push back slightly on session-based, but the direction is right.

Mei 🇨🇳 China · 58.20.*.26

Bookmarked, mostly for session-based.

Kavitha 🇮🇳 India · 103.82.*.27

पहली बार किसी ने 2026 पर सीधे लिखा।

Arjun 🇮🇳 India · 49.36.*.55

I do not fully buy to roughly RM RM80 yet, but it is a fair argument.

Julin 🇲🇾 Kadazan, Malaysia · 175.136.*.63

The framing on session-based is better than expected. Have a few questions left here.

Business & SMEs

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