Salesforce provides two declarative tools to implement business processes that either occur as a result of end user operations such as creating, updating, or starting an approval process for a record; this tool is known as Workflow. When you need to implement a UI flow that provides a wizard or interview style user experience, this tool is known as Flow or sometimes Visual Flow.
As an application developer, both can be created and packaged as part of your application. Such components are upgradable (provided that they are marked as Protected). Typically, however, package developers tend to leave utilization of these features to consultants and subscriber org admins in preference to Apex and/or Visualforce, where more complex logic and user experiences can be created.