In this forward-looking conversation, Umony CEO Dean Elwood sits down with CTO Alan Charbonneau to explore how large language models (LLMs) are reshaping how we think about intelligence, agency and creativity.

From early “magic moments” in autocomplete to AI’s role as research assistant, creative partner and code generator, they reflect on the speed of innovation, the future of programming and what real-world AGI might look like.

They also discuss what sets human creativity apart, and whether AI can (or should) develop taste, agency and originality.

Chapters:
00:00 – Intro
00:44 – The First Magic Moment with AI
02:50 – Creativity vs. Imitation
06:55 – How AI Changes the Way We Code
10:29 – Regulation, Control & Responsibility
14:46 – What Makes Intelligence Human?
21:45 – Where AI Is Going Next

In this wide-ranging discussion, Dean Elwood talks with Umony Advisory Board member Sally Dewar — an experienced finance professional whose career spans KPMG, the London Stock Exchange’s regulatory division, the Financial Services Authority (FSA) and JP Morgan. Sally recounts her front-row seat to the upheaval of the financial crisis, offering a behind-the-scenes look at regulatory challenges and the major cultural shifts that followed.

If you’re curious about how the banking world really works behind the headlines — and what the next evolution of risk, regulation and AI-driven compliance might look like — this episode gives an insider perspective on the changing face of finance.

Chapters:

00:00 Intro

00:27 Sally’s Career Journey

02:57 Inside the LIBOR Scandal

08:16 Regulatory Evolution

18:35 Role of Technology

29:21 Culture & Conduct

30:25 Future Outlook

FCA update as pointed out in the podcast:

⁠https://www.theguardian.com/business/2025/mar/12/financial-watchdog-scraps-plan-to-name-and-shame-uk-firms-under-investigation