Data Ethnography Pilots:
Before AI deployment, conduct qualitative fieldwork to identify local economic signals (e.g., types of trust, rhythms of trade).
Open Algorithm Interfaces:
Allow local actors to question and adjust system outputs (e.g., credit scores, risk ratings), embedding socio-contextual override mechanisms.
Outcomes Anticipated:
Technology becomes enabling rather than excluding.
Policy instruments gain resonance and legitimacy in diverse economic settings.
Greater visibility of informal productivity within AI systems.
Reduced frictions in vertical and horizontal economic interactions.
C. Hybrid Market Design and Interlayer Financial Systems
Rationale:
Indonesia's economic reality reveals not only a vertical stratification (from informal to formal) but also horizontal disconnection between coexisting economic layers. Layer 1 (traditional) and Layer 2 (proto-industrial) actors often operate outside formal banking and marketplace systems, while Layer 3 (digital economy) and Layer 4 (AI-driven economy) increasingly rely on algorithmic visibility and formal compliance. The result is a structural exclusion, not only from market participation but from capital flows, credit scoring systems, and growth opportunities.
To bridge this fragmentation, we propose a hybrid market design and a layer-sensitive financial ecosystem that enables fair exchange, capital circulation, and data interoperability across all four economic layers---without coercive formalization or forced platform migration.
1. Hybrid Marketplaces: Physical-Digital Synergy
Rather than replacing traditional markets, we propose multi-nodal marketplaces that integrate analog and digital actors with symmetric access:
QR-Enabled Pasar Tradisional:
Enable traders to receive payments via QRIS, while maintaining physical interaction and bargaining culture.
"Offline-first" Digital Marketplaces:
Mobile apps and kiosks that allow sellers to upload stock/prices via USSD or SMS for inclusion in digital listings.
Rotating Hybrid Bazaars:
Physical market events curated by digital platforms (Tokopedia, Shopee, Gojek) to discover and onboard offline microproducers.
2. Interlayer Financial Instruments
We advocate for the creation of financial products tailored to interlayer relations, such as:
