The Problem
Every business runs on what its people know
A business is its people: what they know, how they do things, who they know. That know-how is what lets a company grow, and most of it is never written down.
It doesn't stay in one place. The median US worker has been with their employer for 3.9 years,1 and half of employees worldwide are watching for or seeking a new job.2 72% of employers struggle to fill roles, and AI skills are now the hardest to find.3
Gaps are expensive. In small firms, losing a worker unexpectedly costs one to two years of their pay.4 Projects stall, colleagues cover, and the next person relearns what the last one knew. Leave works the same way on a smaller scale: the work only one person knows how to do waits for them.
The AI Gap
AI made people faster, not companies smarter
AI can draft, analyse, research and carry out work, and 75% of knowledge workers already use it.5 But almost every AI product is designed around the individual.
People bring their own. 78% of AI users bring their own AI tools to work, rising to 80% at small and medium-sized companies.5 70% of employees who use AI rely on free public tools, and 57% hide how they use it.6
Even business plans are personal underneath. Chats, custom assistants, instructions and skills sit in each user's account, and what a person never shared stays with them.7
The AI learns the person, not the project, the department or the company. It reaches company data through connectors, but what it learns about how the work is done belongs to whoever was using it.
So the gains don't add up. 88% of companies use AI regularly, but only 39% see an effect on profit across the company, and nearly two-thirds haven't started scaling it.8 Researchers trace failed AI pilots to a “learning gap”: tools that don't retain feedback or adapt to how the organisation works.9
39%
of companies see AI affect profit across the business, though 88% use it regularly.
McKinsey, The State of AI in 2025.
| Finding | Share |
|---|---|
| Use AI regularly | 88% |
| See it affect profit across the company | 39% |
Our Belief
Every business needs its own AI workforce
We believe every business needs its own AI agents: agents that belong to the company, understand how it works, and stay with it as the team changes.
We believe the whole team should work through them. People set the direction, share their experience and make the decisions. The agents carry the work, 24/7.
What that looks like. Today, a bookkeeper has one AI account and a finance analyst has another. Each AI learns its own user, and neither learns the finance team. With Agent Hero, the whole finance team works through one finance agent, with the team's documents, tools, context and skills. They discuss the month-end close inside it, so it knows what they decided and why. When one of them has it reconcile the month, the method is checked and saved, and the next person gets a faster, better result.
The Design
The agent is the workspace
Agent Hero comes from a product-design view of the problem. Most AI products start from one person, one assistant, one history. A few let teams share an agent, usually as a bot in a chat app or a separate workspace, so the agent, the conversation, the documents, the permissions and the history all live in different places. We started from the other end.
Teams come into the agent. Each agent holds a role, such as Finance, Sales or Operations. The people who do that work join it, talk to each other inside it, and work through it.
Every agent owns a computer. Its own documents, databases, browser, tools and skills, kept between tasks, so work is carried through to an outcome.
The team's conversation is the agent's context. Chats happen inside the agent, not in a separate app, so the reasons behind the work stay with the work.
Connectors are agents too. Each connection to outside software runs as its own agent, with its own permissions. It's a means to an end, not where the work lives.
The agent can be the software. Agents build apps and screens, maintain databases, hold documents and manage who can access what, so a business needs fewer separate tools.
One place to govern everything. People, data, documents, apps, skills and permissions all sit in the agent, not across a patchwork of bots and accounts.
People guide; skills compound. A team member guides every task and signs off the result. The methods that work are saved as skills the whole team reuses.
Always the best models, never locked in. Every new frontier model from OpenAI, Anthropic and Google is available as soon as it's released, and the team chooses which to use. We track the releases so businesses don't have to.
| Personal AI | Shared bot | Agent Hero | |
|---|---|---|---|
| Where the work happens | Personal AIIn each person's account | Shared botIn chat channels, outside the agent | Agent HeroInside the company's agent |
| Where team discussion lives | Personal AINowhere the AI can use | Shared botA separate chat tool | Agent HeroIn the agent, as context |
| Who holds the know-how | Personal AIThe individual | Shared botSplit between bot, chat and documents | Agent HeroThe agent, as reusable skills |
| Software and data | Personal AIConnected one person at a time | Shared botThrough connectors | Agent HeroThe agent's own apps, databases and documents, with connectors as agents |
| Governance | Personal AIPer user | Shared botSpread across tools | Agent HeroOne place: the agent |
| Models | Personal AIThe vendor's | Shared botUsually one vendor's | Agent HeroThe newest from OpenAI, Anthropic and Google, chosen by the team |
Why Now
Agents can do the work, and the market is moving
Agents can do real work. Work that wasn't practical to hand to an agent two years ago now is, and it gets cheaper every year.
Agents can connect to business tools. The Model Context Protocol is the shared standard for connecting AI to business tools and data. ChatGPT, Gemini and Copilot support it, and since December 2025 a neutral foundation governs it.10
The market is moving from assistants to agents. 82% of business leaders expect to use AI agents as digital labour within 12 to 18 months.11
The habit exists, in the wrong shape. 75% of knowledge workers already use AI at work, mostly in personal silos.5,6 The open question is who owns what that AI learns: the person, the AI vendor, or the business. We think it should be the business.
- 7 months
How often the length of task AI agents can complete on their own has doubled, for six years.12
- 9–900×
How much cheaper a given level of AI capability gets each year, depending on the task.13
- 40%
Of enterprise applications expected to include task-specific AI agents by the end of 2026, up from under 5% in 2025.14
Our Focus
Why we start with SMEs
The problem exists in every business, but SMEs feel it most and are served least.
They feel it most. 63% of Singapore SMEs name manpower cost their No. 1 challenge,15 83% of employers say those costs are rising,16 and 63% of small employers planned a 2026 hiring freeze.17 The average SME worker produces S$132k of value a year against S$349k at larger firms,18 so SMEs can't match big-company pay. In a ten-person team, one absence takes out a tenth of the business.
They're served least. 14.5% of Singapore SMEs use AI, against 62.5% of larger firms.19 46% of large firms using AI had it built or adapted by a specialist, against 26% of small firms.20 Singapore's deep-AI support requires an in-house tech team.21 Personal AI is all most SMEs have.
They can be reached. Singapore has 369,500 SMEs: 99% of enterprises and 69% of employment.22 Professional-services firms are adopting AI fastest, from 5.1% to 25.7% in one year.19
The product is the same for a 10-person firm and a 1,000-person company. SMEs are where the need is sharpest and the competition weakest, so that's where we prove it first.
63%
of Singapore SMEs name manpower cost their top challenge.
SBF National Business Survey 2025 (SMEs); SNEF Wage and Employment Outlook 2026/27; SNEF business sentiment survey, Dec 2025 (small employers).
| Finding | Share |
|---|---|
| Employers reporting rising manpower costs | 83% |
| SMEs naming manpower cost their top challenge | 63% |
| Small employers planning a 2026 headcount freeze | 63% |
What Changes
A business that gets better with every task
People decide; agents carry the work. The team brings judgment, experience and relationships. The agents handle the work, 24/7.
Know-how stays with the business. Methods and context are already in the agent colleagues use.
Leave without the scramble. Work keeps moving while someone is away, without colleagues covering it from scratch.
Newcomers start at full speed sooner. They work through an agent that already knows how the team does things.
Capacity grows faster than headcount. New initiatives no longer wait for a hire.
These outcomes have limits. Agents carry digital work; client relationships, judgment calls and sign-off on anything that matters stay with people. The best AI agents complete only about 30% of realistic office tasks on their own,23 and only 22% of business owners fully trust AI to work unsupervised,24 so a person guides every task.
Today, the owner oversees a small team for each business function, each working through its own tasks; when someone goes on leave or resigns, that function's work slows or stops. Tomorrow, the same teams work with and through one AI agent per function, and the work carries on as people go on leave or resign.
The Proof
Our first SMEs already do more with the same team
For every customer we measure work completed against the time and cost to deliver it, whether saved skills reduce the guidance later tasks need, whether a colleague can pick up work without rebuilding its context, and how quickly new joiners become productive. The first results are in.
Four early customers, Sep–Oct 2026. Time with the agent includes people reading, correcting and approving. Hand-work figures are estimates.
Time with the agent on a first run and a later run of the same job, at an aesthetic clinic and an IT services SME.
219 of 310 completed tasks at an executive search firm, 5–14 Oct 2026. Its most-used shared agent worked for six people.
The Evidence
Why it works
Know-how held in a shared system makes new people productive sooner and makes each person more capable.
New staff perform like experienced staff, sooner. When AI captured how top performers worked, in a study of 5,179 employees, staff with two months' experience performed like those with six months.25
A person with AI does the work of a small team. In a field experiment at Procter & Gamble, one person working with AI matched the performance of a two-person team.26
AI fills skills gaps. 39% of SMEs using generative AI with a skills gap say it helped make up for missing skills, rising to 49% where AI is used in core work.27
2 months
When AI captured how top performers worked, staff with two months' experience performed like those with six months.
Illustrative shape of the finding in Brynjolfsson, Li & Raymond, Generative AI at Work (QJE, 2025): support agents with AI at two months matched agents without it at six.
| Group | Months to reach the six-month level |
|---|---|
| With an AI assistant | about 2 |
| Without | 6 |
References
- 1. US Bureau of Labor Statistics, Employee Tenure in January 2024. Link
- 2. Gallup, Employee Retention & Attraction indicator, 2025 World Poll. Link
- 3. ManpowerGroup, Global Talent Shortage 2026 (39,000 employers, 41 countries). Link
- 4. Jäger & Heining, "How Substitutable Are Workers? Evidence from Worker Deaths", NBER Working Paper 30629. NBER
- 5. Microsoft & LinkedIn, 2024 Work Trend Index: AI at Work Is Here. Now Comes the Hard Part. Link
- 6. KPMG & University of Melbourne, Trust, Attitudes and Use of AI: A Global Study 2025. PDF
- 7. Vendor offboarding documentation. Anthropic Help Center; Microsoft Learn
- 8. McKinsey, The State of AI in 2025: Agents, Innovation, and Transformation. Link
- 9. MIT NANDA, The GenAI Divide: State of AI in Business 2025 (preliminary). PDF
- 10. Anthropic, Donating the Model Context Protocol and establishing the Agentic AI Foundation, Dec 2025. Link
- 11. Microsoft, 2025 Work Trend Index: The Frontier Firm Is Born. Link
- 12. METR, Measuring AI Ability to Complete Long Tasks, Mar 2025 (50%-reliability horizon). Link
- 13. Epoch AI, LLM inference price trends. Link
- 14. Gartner, Gartner Predicts 40% of Enterprise Apps Will Feature Task-Specific AI Agents by 2026, Aug 2025. Link
- 15. Singapore Business Federation, National Business Survey 2025. PDF
- 16. Singapore National Employers Federation (SNEF), Wage and Employment Outlook 2026/27, via Human Resources Online. Link
- 17. SNEF business sentiment survey, Dec 2025. Link
- 18. Singapore Department of Statistics, value added per worker, SMEs vs non-SMEs, 2025. Link
- 19. IMDA, Singapore Digital Economy Report 2025. PDF
- 20. Eurostat, Use of artificial intelligence in enterprises, 2025. Link
- 21. Digital Industry Singapore, Enterprise Compute Initiative. Link
- 22. Singapore Department of Statistics, SMEs by count, employment and value added, 2025. TableBuilder
- 23. Xu et al., "TheAgentCompany: Benchmarking LLM Agents on Consequential Real-World Tasks", NeurIPS 2025. arXiv
- 24. Bluevine, Small Business AI Trends Report 2026 (n=942). Link
- 25. Brynjolfsson, Li & Raymond, "Generative AI at Work", Quarterly Journal of Economics (2025). NBER
- 26. Dell'Acqua et al., "The Cybernetic Teammate", NBER Working Paper 33641 (2025). NBER
- 27. OECD, Generative AI and the SME Workforce (Nov 2025). PDF
People change. The know-how stays.












