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How AI Is Powering the Future of Financial Services

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Elizabeth Bramson-Boudreau


Sameena Shah, Managing Director, J.P.Morgan AI Research, JPMorgan Chase

Sameena Shah is a Managing Director, Artificial Intelligence Research in Digital & Platform Services, where she and the team work across the firm to create Artificial Intelligence technologies for business transformation and growth. She is a highly accomplished leader with over 20 years of educational and industry experience in AI, engineering, data. Her leadership has resulted in award-winning AI technologies that have transformed products and businesses.

Previously, Sameena was Managing Director at S&P Global where she led the firm’s strategy and development for Augmented Intelligence. Prior to that, Sameena worked at Thomson Reuters, a Schonfeld securities hedge fund, Yahoo! Research, and ran her AI consultancy firm.

Sameena has a PhD in Artificial Intelligence, an MS in Computer Science from IIT Delhi, and a BS in Electronics Engineering. She is passionate about Artificial Intelligence and change and is a frequently invited speaker at top forums including Ted talks, and keynotes at premier AI conferences (IJCAI 2021). She is a recipient of several scientific and industry awards including Microsoft’s top PhD thesis in the country award, Cloudera’s top AI/ML application award, Google Women in Engineering award, and a JPMC prolific inventor with 30+ patents and 60+ peer reviewed publications.

Elizabeth Bramson-Boudreau, CEO and Publisher, MIT Technology Review

Elizabeth Bramson-Boudreau is the CEO and publisher of MIT Technology Review, the Massachusetts Institute of Technology’s independent media company.

Since Elizabeth took the helm of MIT Technology Review in mid-2017, the business has undergone a massive transformation from its previous position as a respected but niche print magazine to a widely read, multi-platform media brand with a global audience and a sustainable business. Under her leadership, MIT Technology Review has been lauded for its editorial authority, its best-in-class events, and its novel use of independent, original research to support both advertisers and readers.

Elizabeth has a 20-year background in building and running teams at world-leading media companies. She maintains a keen focus on new ways to commercialize media content to appeal to discerning, demanding consumers as well as B2B audiences.

Prior to joining MIT Technology Review, Elizabeth held a senior executive role at The Economist Group, where her leadership stretched across business lines and included mergers and acquisitions; editorial and product creation and modernization; sales; marketing; and events. Earlier in her career, she worked as a consultant advising technology firms on market entry and international expansion.

Elizabeth holds an executive MBA from the London Business School, an MSc from the London School of Economics, and a bachelor’s degree from Swarthmore College.

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The Download: AI films, and the threat of microplastics

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Welcome to the new surreal. How AI-generated video is changing film.


The Frost nails its uncanny, disconcerting vibe in its first few shots. Vast icy mountains, a makeshift camp of military-style tents, a group of people huddled around a fire, barking dogs. It’s familiar stuff, yet weird enough to plant a growing seed of dread. There’s something wrong here.

Welcome to the unsettling world of AI moviemaking. The Frost is a 12-minute movie from Detroit-based video creation company Waymark in which every shot is generated by an image-making AI. It’s one of the most impressive—and bizarre—examples yet of this strange new genre. Read the full story, and take an exclusive look at the movie.

—Will Douglas Heaven

Microplastics are everywhere. What does that mean for our immune systems?

Microplastics are pretty much everywhere you look. These tiny pieces of plastic pollution, less than five millimeters across, have been found in human blood, breast milk, and placentas. They’re even in our drinking water and the air we breathe.

Given their ubiquity, it’s worth considering what we know about microplastics. What are they doing to us? 

The short answer is: we don’t really know. But scientists have begun to build a picture of their potential effects from early studies in animals and clumps of cells, and new research suggests that they could affect not only the health of our body tissues, but our immune systems more generally. Read the full story.

—Jessica Hamzelou

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Microplastics are everywhere. What does that mean for our immune systems?

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Microplastics are everywhere. What does that mean for our immune systems?


Here, bits of plastic can end up collecting various types of bacteria, which cling to their surfaces. Seabirds that ingest them not only end up with a stomach full of plastic—which can end up starving them—but also get introduced to types of bacteria that they wouldn’t encounter otherwise. It seems to disturb their gut microbiomes.

There are similar concerns for humans. These tiny bits of plastic, floating and flying all over the world, could act as a “Trojan horse,” introducing harmful drug-resistant bacteria and their genes, as some researchers put it.

It’s a deeply unsettling thought. As research plows on, hopefully we’ll learn not only what microplastics are doing to us, but how we might tackle the problem.

Read more from Tech Review’s archive

It is too simplistic to say we should ban all plastic. But we could do with revolutionizing the way we recycle it, as my colleague Casey Crownhart pointed out in an article published last year. 

We can use sewage to track the rise of antimicrobial-resistant bacteria, as I wrote in a previous edition of the Checkup. At this point, we need all the help we can get …

… which is partly why scientists are also exploring the possibility of using tiny viruses to treat drug-resistant bacterial infections. Phages were discovered around 100 years ago and are due a comeback!

Our immune systems are incredibly complicated. And sex matters: there are important differences between the immune systems of men and women, as Sandeep Ravindran wrote in this feature, which ran in our magazine issue on gender.

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Welcome to the new surreal. How AI-generated video is changing film.

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Welcome to the new surreal. How AI-generated video is changing film.


Fast and cheap

Artists are often the first to experiment with new technology. But the immediate future of generative video is being shaped by the advertising industry. Waymark made The Frost to explore how generative AI could be built into its products. The company makes video creation tools for businesses looking for a fast and cheap way to make commercials. Waymark is one of several startups, alongside firms such as Softcube and Vedia AI, that offer bespoke video ads for clients with just a few clicks.

Waymark’s current tech, launched at the start of the year, pulls together several different AI techniques, including large language models, image recognition, and speech synthesis, to generate a video ad on the fly. Waymark also drew on its large data set of non-AI-generated commercials created for previous customers. “We have hundreds of thousands of videos,” says CEO Alex Persky-Stern. “We’ve pulled the best of those and trained it on what a good video looks like.”

To use Waymark’s tool, which it offers as part of a tiered subscription service starting at $25 a month, users supply the web address or social media accounts for their business, and it goes off and gathers all the text and images it can find. It then uses that data to generate a commercial, using OpenAI’s GPT-3 to write a script that is read aloud by a synthesized voice over selected images that highlight the business. A slick minute-long commercial can be generated in seconds. Users can edit the result if they wish, tweaking the script, editing images, choosing a different voice, and so on. Waymark says that more than 100,000 people have used its tool so far.

The trouble is that not every business has a website or images to draw from, says Parker. “An accountant or a therapist might have no assets at all,” he says. 

Waymark’s next idea is to use generative AI to create images and video for businesses that don’t yet have any—or don’t want to use the ones they have. “That’s the thrust behind making The Frost,” says Parker. “Create a world, a vibe.”

The Frost has a vibe, for sure. But it is also janky. “It’s not a perfect medium yet by any means,” says Rubin. “It was a bit of a struggle to get certain things from DALL-E, like emotional responses in faces. But at other times, it delighted us. We’d be like, ‘Oh my God, this is magic happening before our eyes.’”

This hit-and-miss process will improve as the technology gets better. DALL-E 2, which Waymark used to make The Frost, was released just a year ago. Video generation tools that generate short clips have only been around for a few months.  

The most revolutionary aspect of the technology is being able to generate new shots whenever you want them, says Rubin: “With 15 minutes of trial and error, you get that shot you wanted that fits perfectly into a sequence.” He remembers cutting the film together and needing particular shots, like a close-up of a boot on a mountainside. With DALL-E, he could just call it up. “It’s mind-blowing,” he says. “That’s when it started to be a real eye-opening experience as a filmmaker.”

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