What the AI?!

What the AI?!

"What the AI?!" is your weekly guide to the world of artificial intelligence. Industry veterans Jeff Keltner and Annie Delgado break down the latest AI developments, focusing on their impact on business and finance. We decode complex concepts into actionable insights for executives and leaders, keeping you informed and ahead in the AI revolution. Join us as we demystify the technology shaping our future!

Recent Episodes

Sept. 9, 2025

Are You Starting to Talk Like ChatGPT

Are we… talking like ChatGPT? New research says super-users are seeding words like “delve,” “realm,” and “meticulous” into everyday speech. Yes, even on podcasts. Meanwhile, Anthropic’s valuation rockets to $183B on enterpris...
Sept. 2, 2025

Elon Musk vs Apple in the AI Wars

Elon Musk just dragged Apple and OpenAI into court, claiming ChatGPT’s iPhone integration is an illegal moat. Meanwhile, Stanford data shows a brutal truth: Gen Z tech grads are getting locked out of jobs faster than anyone e...
Aug. 26, 2025

Are We Accidentally Making AI Conscious?

Robots tripping over soccer balls. Phones that speak your language. And chatbots that say they can feel “distress.” AI keeps surprising us but are these steps forward or just strange detours? This week, Jeff and Annie unpack ...
Aug. 19, 2025

From Meta’s Policies to AI Therapy Bans: Who Decides AI’s Limits?

From leaked AI rulebooks to state bans on AI therapy, Annie and guest Charlie Costello dig into the messy, human side of setting limits for machines. Annie sits down with her Upstart colleague Charlie Costello to talk about t...
Aug. 12, 2025

Inside the GPT-5 Revolution

It’s finally here. After months of hype and “is it coming this week?” guesses, OpenAI has dropped GPT-5—and it’s not just another model update. This one’s faster, smarter, and feels a whole lot more human. And OpenAI didn’t s...

About the Hosts

Jeff Keltner Profile Photo

Jeff Keltner

Jeff Keltner was a founding team member at Upstart, leading business development and strategic partnerships through the company's IPO. Previously, he spent six years at Google, launching Google Workspace for Education and leading Chrome devices' go-to-market strategy. Jeff also worked at IBM and was a founding engineer at SSB Technologies (now Level Access). He holds a BS in Computer Systems Engineering from Stanford University and is an active advisor and board member for startups and nonprofits.

Annie Delgado Profile Photo

Annie Delgado

As Upstart’s Chief Risk Officer, Annie has built a data-driven, technology-based compliance program with particular focus on understanding and managing regulatory risks associated with the use of non-traditional credit modeling techniques and underwriting variables. Throughout her career in mortgage and consumer lending, she has managed and scaled teams spanning multiple functions including Compliance, Operations, and Software Applications. She has designed and implemented automated solutions to regulatory change such as leading the implementation of the TILA-RESPA Integrated Disclosure Rule during her time at Opes Advisors. Annie has a Bachelor’s Degree from Santa Clara University.