Generative AI uses much more complex algorithm and is trained on a far wider data set. Predictive text is based on a relatively simple library, and often based on your own text input history. The former has a better basis for sentence structure and syntax, and tends to be readable and coherent, if not necessarily factual and accurate. The latter just guesses what word might come next, and the more you tap/iterate on it, the less coherent it gets.
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