The difference lies in 'who asks and who concludes.' In AI-assisted mode: you first define the problem scope and judgment criteria, then use AI to quickly gather data or generate options, and finally make decisions based on actual circumstances. In AI-driven mode: input the problem, take the output as-is, skipping the human judgment layer. The former treats AI as a tool; the latter treats it as a manager. For SME owners, decisions like market testing, pricing adjustments, and customer communication strategies carry context only you know—which clients speak conservatively, which markets are particularly sensitive now—information not in AI's training data that requires human input.