While a virtual intelligence is little more than a sophisticated interactive operating system, an artificial intelligence is a self-aware computing system capable of learning and independent decision making. Creating an AI requires adaptive code, a long education, and a specialized quantum computer known as a "blue box."
In the Milky Way, artificial intelligence is considered a threat to galactic civilization. The geth—synthetic lifeforms who turned on their quarian creators—are often used as an example of the destructive capability of rogue AI, and those who attempt to create AI without strict Citadel Council oversight are subject to sanctions or even arrest.
Alec Ryder's research papers claim that experiential separation is the root of conflict between organic and synthetic life; that an AI sharing the experience of its creator would have no desire to rebel. My connection to your Pathfinder implant and physiology makes me the first iteration of this new approach to AI.