How to tell if you need an AI chat, AI workflow or AI agent?

The following is from a talk I gave at Block71 Jakarta in August 2026 about using Agentic AI in Marketing.

As a marketer, you probably use AI to generate images and write copy. But what about planning entire campaigns, or producing marketing ops reports, or finding inspiration and ideas?

For understanding of “which AI to use and when”, you need to first understand the difference between an AI chat, workflow and agent. So here’s an example to illustrate this:

Imagine that your kitchen is on fire. The smoke alarm is going off. You grab your phone and ask the AI what to do.

It tells you: "Ambil pemadam api di bawah bak cuci." (Take the extinguisher from under the sink). Pull the pin. Aim at the base of the flame, not the top. Then get out.

So, the AI above gave you a response. But you still have to take action i.e. find the extinguisher, pull the pin and run. That is AI chat.

Now imagine the same fire, but this it triggers a smoke alarm. Which kicks off a series of events:

The CCTV in the kitchen switches on. An AI looks at the camera image to work out what is burning. If it's wood or paper, it triggers the water sprinkler. Oil or electrical, it triggers CO2. At the same time, an alert goes to the fire department and your phone buzzes.

Everything above started from a single event. But everything was also planned in advance. Someone wired the alarm to the camera, the camera to the AI, and the AI to the extinguisher system. The AI made exactly one decision, the one it was asked to make: what is the source of the fire. That is an AI workflow.

One more fire. Same alarm.

This time the AI checks the CCTV and sees the fire is coming from the new electric kettle you bought last week. It calls the fire department, then unlocks the front door when the truck arrives. It sends a drone in to carry the cat out. Then it leaves a 1-star review at the shop that sold you the kettle.

Nobody wrote a rule about the cat. Nobody wrote a rule about the front door, or the review. All the AI had was an objective: protect the lives in the building. It worked out the rest. That is an AI agent.

You don’t have to pick just one

So, which one should you use? The answer is any of them, and all of them.

Across my own businesses, I use a mix of chats, workflows and agents to produce 25 different kinds of marketing output across 7 functions, from blog posts and case studies to ad scripts and weekly reports. Some of it is chat. Most of it runs on around 120 n8n workflows. A small but growing part is agents running on this plugin.

Another way to decide is to think of it in the two axes above: First, how expensive is a mistake? Some errors are a deleted draft. Some spend money or damage the brand before anyone notices.

Second, can a machine check the quality? If you can write down the rules for what “good” looks like, then AI can check its own work. If good means you have to look at it and judge, like an image or a video, then a human has to sit in the loop.

Bottom left: Automate fully

Low cost of error, and the output is checkable. This is where workflows and agents run without you. “At 5pm every day, convert all completed job sheets into CRM records and send the customer an email to ask for a review.” Converting a blog post into social drafts. Turning a five-star review into a reel.

My case-study writer for a facilities maintenance company is this shape: job photos and technician notes in, a draft article waiting in Slack every morning.

Bottom right: Generate and curate

Low cost of error, but the quality is taste. Ad concepts, ad scripts, visual ideas, topic ideas. “10 ad concepts based on ads performance.” “A 30-day content plan based on my Google Search Console history.”

AI can’t tell you which of the 10 concepts is the good one. But generating is cheap, so let it make the variations and you do the picking.

Ten AI ad concepts on a desk, one circled
Above: Asking AI to generate multiple ideas cheaply for curation and shortlisting. Yes this very image is AI generated too, and that’s precisely the point I want to make (why else would someone draw a red marker circle on the table, and place their iced coffee on the edge of the laptop?)

Top left: Verify then ship

High cost of error, but checkable. This is mostly marketing ops: reporting, data analysis, checking the prices and contact numbers in your copy, ad budgets, tracking, bid caps. “Analyse my Google Ads and Meta Ads performance in the last 7 days and suggest 1 action item to improve conversion.”

That exact prompt is now a tool that hands me one action item a week.

Top right: Human-led

High cost of error, and the quality is taste. AI drafts, but somebody has to own it. “Develop a new product launch campaign for my latest retro clothing line.”

The campaign brief sits here, because everything downstream inherits its mistakes, and “is this the right strategy” is not something a machine can check. Brand analysis sits here too. Get the brand wrong and every output that reads it is wrong.

My campaign plugin works in this square. The agent asks the questions and does the research, but I answer them, and I sign off the brief.

Showing the campaign agent on a laptop to attendees after the talk
Above: Showing the campaign agent to attendees after the talk.

Where the grid is only a starting point

There are areas that don’t really sit neatly in the 2×2 grid. For example, a paid ad campaign bid caps and ad budgets. Yes these are machine-checkable, so on paper they belong in “verify then ship” with the AI making the change itself. But I still review every one by hand. A wrong bid spends money before anyone opens a report, and I don’t yet trust a checker enough to give full wallet control.

So, what marketing tasks have you delegated to AI, and which quadrant does it sit in?


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