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

Dec. 9, 2025

Code Red: The Real Battle for the AI Stack

OpenAI just hit “Code Red” while Chinese labs ship GPT-5–tier models at a fraction of the cost. If your 2025 plan is “just pick the best model,” you might already be behind. In this episode, Jeff and Annie break down the real...
Dec. 5, 2025

AI Hits the White House, the Courtroom & the Enterprise Stack

A federal judge just told OpenAI it can’t use a dictionary word, Anthropic shipped a model that can out-code half your engineering team, and the White House quietly launched a “Genesis Mission” that sounds suspiciously like a...
Nov. 25, 2025

AI Gets Personal: Agents, Emotions, and the Creepy Side of Connection

AI agents just invaded your inbox, desktop, and holiday shopping list — and one major model quietly traded “maximal truth” for vibes. Meanwhile, a startup wants to put digital versions of your dead relatives at your wedding, ...
Nov. 21, 2025

AI Leaves Earth: Superintelligence, Satellites, and the Race to the Bottom

What happens when AI leaves the data center and heads into orbit right as models get cheaper, warmer, and way more powerful? This week, Jeff and Annie unpack the weird future where AI runs in space, speaks in the voices of le...
Nov. 11, 2025

Agent Browsers vs Amazon Who Wins Checkout

AI is finally moving the needle at work (while face) planting on real jobs. And the first agent war just landed on Amazon’s front lawn. Jeff and Annie unpack a wild week: Apple reportedly tapping Google’s Gemini to supercharg...

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.

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"Your podcast is beautiful! Not only does it sound good, I learn a lot from it. Every day I look forward to listening to the newest episode! The episode about siri is my personal favorite. I am thankf…"

Liam Nelson | Oct. 28, 2025