What does it take to deploy real AI features at scale in regulated industries? Phill Rosen, Global CTO at MoneyLion, unpacks the technical, cultural, and organizational barriers to AI readiness—and how they’re solving them.
In this episode of Hybrid Minds, host Vahe Andonians is joined by Phill Rosen, Global CTO at MoneyLion, to explore the state of AI integration in financial technology. Phill offers a grounded and technical perspective on what it really takes to build, ship, and maintain AI-powered features in production, focused especially in highly regulated spaces like consumer finance.
They discuss what it means for a company to be "AI-ready," and why most businesses will still depend on human engineers for the foreseeable future. Phil also shares how MoneyLion leverages modular AI systems, API integrations, and real-time data infrastructures to deliver smarter financial products and personalized content at scale.
This episode is a must-listen for engineers, product leaders, and technical decision-makers looking to understand what AI adoption really looks like behind the scenes.
Key Quote:
“ If you tell me that 90% of code written will be AI-assisted in some way. That's obviously possible. That's obviously something that's very easily achievable. We can have 100% of our engineers writing in Copilot. They can have some level of AI assistance involved there, and that might make them more efficient. But to take the ENG engineer out of the equation is not something most organizations can do yet.”
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