No longer a tool, but rather a partner in marketing, this study tests the efficacy of AI-generated systems in the marketing realm - predictive personalization and generative AI - and their effects on engagement, trust and purchase intention. Furthermore, this study tests the efficacy of AI in marketing systems through a combination of surveys and experiments, gathering and analysing qualitative responses. Thus, a systematic survey of marketers, managers and digital consumers across verticals shows AI's role in assessing campaign efficacy, perceived authenticity and ethical legitimacy - which, ultimately, creates a foundation for judging human-generated marketing versus AI-generated efforts. AI does assist with predictive personalization accuracy, but it decreases emotional appeal through too much reliance on coding. The Human-AI Co-Creation Marketing Framework (HACMF) is a new method - whereby predictability, creativity and human emotional attachment is part of the process; research has shown such efforts tenuous until now. Evidence to support executive equity in marketing abounds - test results show previously unsuccessful efforts are now successful through this research. Real-time testing of human and AI overlap and ability to use machine-like tendencies with sensemaking capacity to improve brand differentiation, trust, and loyalty in a coded world of marketing