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A laptop with a ChatGPT window stands between four crossed-out tasks dropping into a bin and four open doors, the gap, the mixed team, the question and the limits, each with a desk inside.
Wider thought leadership11 min read

Your Client Has ChatGPT. He Still Needs You.

Dancho DimkovPublished 27 October 2026Updated 27 October 2026

Edition 25

Imagine the second meeting with the owner of a small company. Before you open your notes, he turns his laptop toward you and shows you ChatGPT: the market research he did last night, his competitors and their prices, and a page of advice on his own pricing. The subscription cost him €20 for the month. As far as he is concerned, his company is already an AI company.

And the question every one of us has asked in that chair comes back: if ChatGPT does his research and advises him on his prices, why would he pay me now?

He is right about the research, and wrong about the conclusion. His ChatGPT took the part of our work that was already getting cheap. Behind it, every new way the owner applies AI opens a problem that nobody in his company is paid to solve, and ChatGPT cannot solve it for him either. That problem is consulting work, and it is how we still help an owner who says his company is already AI. This edition follows it through the four ways owners apply AI in their business, from our chair.

The owner turns his laptop toward the consultant, showing market research, competitor prices and pricing under a €20 a month tag, while the consultant, notebook closed, wonders why he would pay now.

Four ways owners apply AI in their business

In edition 18 I gave owners the roadmap for AI-sation, and I will not walk it again here. For us consultants it fits in one sentence: Map is the diagnostic, Automate and AI-sate are the implementation, Humanize is the change management, and we run the four steps one department at a time. In the same edition, 144 owners of small companies from Macedonia scored their own business, and AI came out as the area where they are weakest. They do not lack access: there are dozens of AI tools, free or at €20 a month. What they lack is guidance. Corporations hire the Big Four and enterprise consulting teams, and get frameworks for digital transformation and operating models, built for large teams, months of analysis and big budgets. A small firm has the owner, and the consultant, if the consultant takes the chair. And AI changes the owner's job as much as his team's work.

I see four ways owners of small firms apply AI in their business: as a productivity tool, as a digital employee, as a leadership assistant, and as a leader. My talk called them AI in leadership. Here I call each one a stage, because each goes one level deeper into the business than the one before.

A cut-away building rises in four steps, productivity tool, digital employee, leadership assistant and AI as a leader, with a small owner on the first step looking up at a red armchair at the top.

Stage 1. The owner uses AI as a productivity tool

The first way an owner applies AI is the simplest one: he tells everyone to use ChatGPT. He pays for the accounts, asks the team to use AI for everything and builds what my talk calls an AI-first productivity culture. Then he calls AI done, because everyone in the company has it open on the screen.

Our fear at this stage is about price. Our own reports are now expected faster and cheaper, because the client has ChatGPT too.

What breaks is harder to see. A tool sits in every hand, and the work under it has not changed. The salesperson writes the same follow-up email, only faster, and the bookkeeper still copies the same invoice from one system into the other, now with a summary from ChatGPT on top. It is the same process with faster typing, and from the owner's chair it looks like progress, because the screens are busier.

What arrives on our desk is the gap between using a tool and changing the work. Closing it needs someone who has seen the work itself: where the hours go, which steps exist only because two systems do not talk to each other, which report nobody reads. ChatGPT cannot see that for the owner, because it only knows what he types into it.

I saw this in my own firm. When I mapped one of our sales channels the way the team really works, our old document of six or seven steps came out as ten steps and 113 activities. Eight of those activities died on the table before any code or AI touched them, among them paying extra to push our applications up the list. The work changed first, and the tools came after.

Two identical chains of five gears, input, process, review, decide and deliver, one worked by hand and one with laptops and AI badges, with a ruler between them reading zero.

Stage 2. The owner takes on AI as a digital employee

The second way goes one level deeper, into the work itself: the owner hears about agents. An agent is an AI that does a piece of the work on its own, instead of waiting for a question, and a digital employee is an agent with a place in the team: routine tasks, data processing, follow-ups, monitoring and alerts. In my talk on AI-sation of SMEs the picture is 25 people and 25 agents in one company, and the owner moves from managing tasks to orchestrating a system. He likes that picture, and he wants his own 25 agents.

Our fear here is about staffing. The agents do the junior work we used to staff: the research, the data cleaning, the first drafts, the follow-up lists.

What breaks is the team. Somebody has to decide which part of a workflow the agent takes, who it hands over to, who checks it and how anyone knows it did a good job. My slide for this stage carries three headings: team roles and responsibilities, collaboration, AI performance metrics. In a small firm nobody maps the process, nobody writes the roles and nobody sets the metrics for an agent, and no HR framework covers one. To be fair to the owner, nobody trained us to design a mixed team either.

So what arrives on our desk is the design of a mixed team. Whoever maps the process, writes the roles and sets the metrics owns this stage. In an SME that is nobody, so it is us.

My own firm has one documented digital employee, on that same sales channel. Every morning AI helpers read the new job posts and write a verdict on each one, apply or skip, and a second helper reads every skip again without seeing the first verdict. The AI writes the application and the reply to a prospect, and code sends them. Of the 105 activities left after the map, a person is needed at four: the discovery call, the approval of the proposal, the kick-off call and the approval of the contract. The AI did not pick those four places. I found them on the last walk through the map, by asking where a person still has to be.

An organisation chart pairs a person with a robot in every box, beside three pinned sheets, map the process, write the roles and set the metrics, and a pen that nobody holds.

Stage 3. The owner thinks with AI as a leadership assistant

The third way moves AI up, from the team's work to the owner's own decisions. A leadership assistant is an AI the owner thinks with: it analyses the data, models scenarios, flags the risks and recommends what to do, and it is always available. My talk calls it a second brain, and the slide carries two lines: better questions, better decisions.

This is the sharpest fear of the four, because that is our chair. The assistant does what we used to bill for: the analysis, the scenarios, the recommendation.

What breaks is what goes in. The assistant is only as good as the question it is asked and the data it is fed. Ask it why sales are down, and it answers that question, even when the real question is why the best clients stopped coming back. Give it one export from the accounting software, and it reasons on one export. In an SME the data sits in ten places, from the till and the delivery apps to the Excel files and the owner's head, and the assistant is useless until someone builds its base.

So our value moves to the question we ask, the data we feed it, and the judgement on the answer. Building the base is work in its own right. Someone has to find the files, make them readable for an AI and check that the same files give the same numbers every time. The judgement stays with us as well, because the assistant writes a confident answer to a weak question as easily as to a good one.

In the previous edition I told you how our diagnostics work now: the AI does the analysis and drafts the report, and the consultant turns the owner's claims into hypotheses and research questions. One engagement from it fits this stage. A food business gave us 580 files, and before the AI could answer anything useful, we had to make the same files give the same numbers. When it then wrote nine hypotheses for one area, eight of the nine turned out to be evidence for the first one rather than hypotheses of their own, and the shortlist was ours to make.

A funnel feeds ten sources, from the till to the owner’s knowledge, and a card marked the question into the leadership assistant, which prints a confident answer under a magnifier.

Stage 4. The owner lets AI act as a leader

The fourth way puts AI in the leader's chair, at least in the owner's head. He reads that a robot was named CEO, and he starts asking the machine before he asks anyone. My talk lists what is coming at this level: real-time oversight of operations, predictive planning, strategic recommendations built on scenarios, and autonomous execution within limits, while people stay responsible for ethics, culture and vision. It is not here today, but it is coming sooner than we think.

The headlines he reads are real, and my talk's notes record three of them. NetDragon Websoft, a gaming company in China, named a humanoid robot, Ms Tang Yu, the rotating CEO of a subsidiary. Dictador, a spirits brand, named the humanoid robot Mika its CEO, and the decisions on hiring and firing stayed with people. CS India, a youth organisation, announced ChatGPT as its new CEO.

Our fear at this stage is the last one: the owner asks the machine before he asks us.

What breaks is that nobody has written the limits. What may the machine decide alone? Where does the owner sign? Who checks what it did? A corporation answers those questions with a board, a compliance team and a policy for almost everything. A small firm has never had a governance document, the written rules for who decides what, and now it needs one for a member of the team that never sleeps.

That is the work that arrives on our desk: someone writes the limits. Governance and boundaries means a page the owner can read: what the machine may decide alone, where the owner signs and who checks. If we do not write them, the owner asks the machine before us.

In my own firm two of those limits are written down. On our sales channel, code and AI prepare the proposal and the contract, and neither goes out before the person who signs for the firm approves it, because both are commitments. My personal assistant agent reads and drafts but never sends, so every draft waits for me. Those are two short rules, and someone had to sit down and write them.

The owner turns his chair to a smiling robot and asks it first, a newspaper headed robot named CEO on his desk, while the consultant waits in the doorway with a folder and the clock runs.
A clipboard lists may decide alone, the owner signs and who checks, the last box still empty, while a robot waits at the edge of the desk with folded hands beside the owner’s pen.

As consultants: What left our desk, and what arrived

When the owner uses AI as a productivity tool, the desk research and the quick first draft of a report left our desk, and the gap between using a tool and changing the work arrived.

When he takes on AI as a digital employee, the junior work we used to staff left, and the design of a mixed team arrived: the process map, the roles and the metrics for an agent.

When he thinks with AI as a leadership assistant, the analysis, the scenarios and the recommendation left, and the question, the base of data behind the assistant and the judgement on its answer arrived.

When he lets AI act as a leader, his habit of asking us first left, and the limits arrived: what the machine decides alone, where the owner signs, who checks.

Each way he applies AI takes a cheaper piece of our work off the table and puts a dearer one on it. The cheaper piece is the one the owner's ChatGPT can do. The dearer one is work nobody in a small firm is paid to do, and ChatGPT cannot do it for him.

A ledger of four rows, tool, employee, assistant and leader, sets what left the desk, from desk research to being asked first, against what arrived, while a consultant holds up the board.

They have the tools and miss the guide

The owner with the laptop was right about his research. He has the tools. What he is missing is the guide, and every new way he applies AI leaves a bigger problem on his desk than the one before. In a corporation each of those problems has a department: IT for the tools, HR for the mixed team, strategy for the assistant, legal and compliance for the limits. In a small firm all four land on the owner, and on whoever he trusts to sit beside him. So the fear points the wrong way. His ChatGPT does the work that was already becoming cheap, and what it opens is ours to take.

A glass office tower with four floors, legal, strategy, HR and IT, stands beside a small shop where the owner and a consultant sit at the counter with the same four problems stacked as boxes.

Corporations had decades and a department. SMEs have you.

So which way is your last client applying AI, and what did you sell him: the thing his ChatGPT now does, or the thing it opened?

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Questions readers ask

What are the four ways business owners apply AI?

They are the four ways the owner of a small firm puts AI to work, as it moves from the team's work to his own job. At stage 1, he uses AI as a productivity tool: everyone uses ChatGPT. At stage 2, he takes on AI as a digital employee: agents do parts of real workflows beside the people. At stage 3, he uses AI as a leadership assistant, to analyse data, model scenarios and weigh risks before a decision. At stage 4, he lets AI act as a leader: the machine executes on its own within limits that people set. Each way leaves the owner a new problem, and in a small firm that problem is consulting work.

Will ChatGPT replace consultants who work with small businesses?

It takes over part of the work, mostly the desk research and the first draft of a report, and clients now expect those faster and cheaper. It does not take the work that opens behind it. With each way the owner applies AI, he meets a problem nobody in his firm is paid to solve: the gap between using a tool and changing the work, the design of a team of people and agents, the question and the data behind a leadership assistant, and the limits of what a machine may decide. That is AI consulting for SMEs, and an owner who says his company is already AI still needs it, because ChatGPT cannot do it for him.

What does a consultant do when an owner wants an AI digital employee?

He maps the process first, writes the roles and sets the metrics. A digital employee is an agent, an AI that does a piece of the work on its own, so somebody has to decide which part of the workflow it takes, who it hands over to, who checks it and how its work is measured. No HR framework covers an agent, and a small firm has nobody whose job this is. In my own firm's sales channel, the map came first, and after code and AI took over, a person stayed at four of 105 activities: the discovery call, the proposal approval, the kick-off call and the contract approval.

What does an AI leadership assistant need before it is useful?

When the owner uses AI as a leadership assistant, it needs a good question, a base of clean data and someone to judge its answer. The assistant answers the question it is asked, so a weak question gets a confident weak answer. In a small firm the data sits in many places: the till, the delivery apps, the Excel files and the owner's head. The assistant is useless until someone finds those files, makes them readable for an AI and checks that the same files give the same numbers every time. Building that base, and judging what comes back, is the consultant's work.

When an owner lets AI act as a leader, who writes the limits of what it may decide?

In a corporation a board, a compliance team and written policies do it. A small firm usually has no governance document at all, the written rules for who decides what, so the consultant writes the limits with the owner: what the machine may decide alone, where the owner signs and who checks its work. In my own firm, for example, code and AI prepare proposals and contracts, but neither goes out before the person who signs for the firm approves it. If nobody writes the limits, the owner ends up asking the machine before anyone else.

About the author

Dancho Dimkov writes Anatomy of Consulting, a publication about the practice of business diagnosis. Read more about the publication.

Stages referenced here are links in the diagnostic journey (7 links in total).