AI refers to Artificial Intelligence, mimicking the natural intelligence of humans or animals in computerized systems. ML refers to machine learning, mimicking the way organic brains learn from their surroundings in a computer.  ML is a subset of AI, but since many AI software applications utilize ML, the terms are sometimes used in combination or interchangeably (despite the distinction).  ML algorithms often use neural network programming to statistically match input patterns with outcomes to either classify outputs or predict future events without the need for complex application specific programming using traditional If/Then logic that requires the programmer to think of all scenarios that may be encountered in the future.