Owen Kosman, co-founder and CTO of Standard Form, joins The Generalists to talk about building AI-era healthcare software, why physician scheduling is still run on spreadsheets, and why San Francisco remains the center of gravity for ambitious software founders.

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In this episode, Owen shares how growing up in Indonesia, studying in Singapore and Oxford, and building in London shaped the way he thinks about risk, opportunity, and entrepreneurship. The conversation explores why he is building for the US healthcare market, what makes hospital scheduling such a hard technical and trust problem, and why AI tools like Claude Code are changing how small teams build software.

Owen also reflects on San Francisco hacker houses, the culture of giving first, the difference between startup scenes in the US, UK, and Indonesia, and why Indonesian founders need to think clearly about purchasing power, real customer needs, and what kind of businesses actually fit the market.

🔔 Listen and Subscribe

• YouTube: https://www.youtube.com/@TheGeneralistsPodcast

• Spotify: https://open.spotify.com/show/2apfGY403NGr1EyTNkJfG4

• Apple Podcasts: https://podcasts.apple.com/us/podcast/the-generalists/id1756861150

What You’ll Learn

• Why San Francisco is still the world’s startup epicenter in the AI era

• How Claude Code enables two founders to build like a much larger team

• Why trust, not just code, is the biggest moat in healthcare AI

• How physician scheduling still relies on Excel inside many hospitals

• The rise of hacker houses and why founders are flocking to them

• Why Owen chose to build for the US instead of Indonesia

• The realities of building a startup as an Indonesian founder abroad

• Why Indonesia’s 300 million population doesn’t automatically create a software market

• Whether AI is changing the need for venture capital and large startup teams

• Owen’s advice for young Indonesian founders on curiosity, ambition, and building globally

👤👤 Hosts

• Michael Smith Jr.: https://www.linkedin.com/in/smittysgp/

• Raz Kotler: https://www.linkedin.com/in/razkotler/

👤 Guest

• Owen Kosman: https://www.linkedin.com/in/owenkosman/

🔗 Resources

• Standard Form: https://www.heystandard.com/

• Creative Selection by Ken Kocienda: https://creativeselection.io/

• The Way to Love by Anthony de Mello: https://www.amazon.com/Way- Love-Meditations-Anthony-Mello/dp/038524939X

• Claude Code: https://www.anthropic.com/claude-code

• Cursor: https://cursor.com/

• Corgi: https://www.corgi.insure/