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

Jan. 28, 2026

AI Is Making Money. Now Comes the Hard Part

AI finally has real revenue. Now it has real problems. Jeff Keltner and Annie Delgado unpack the growing gap between AI hype and AI economics, starting with Davos, where industry leaders could not agree on whether AI will erase jobs or create new...
Jan. 20, 2026

When AI Starts Buying, Building, and Acting for You

AI is done just answering questions. Now it wants to do things for you. In Episode 61, Jeff Keltner and Annie Delgado dig into the moment AI shifts from assistant to actor — buying things, managing files, shaping infrastructure, and quietly changing...
Jan. 13, 2026

AI Crossed the Line. Now What?

AI crossed a line this week — from tools that assist to systems that act. Jeff Keltner and Annie Delgado break down the moment where AI stopped feeling experimental and started colliding with the real world. They open with Gr...
Jan. 6, 2026

The AI Moat Is Dead (2025 Proved It)

2025 killed the “best model wins” story—fast. This week, we zoom out: agents got real, media got usable, and the AI race turned into a build-and-ship infrastructure war. Jeff and Annie open with quick hits: Meta’s reported $2...
Dec. 30, 2025

We Asked ChatGPT to Predict 2026. Here’s What It Got Right (and Wrong)

In this episode, Jeff Keltner and Annie Delgado walk through ChatGPT’s boldest claims: the end of the model arms race, the rise of AI “middle managers,” a quiet shift away from explainability toward outcome-based fairness, an...

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