Tony Moroney

Top 10 Digital Disruption & Top 25 FinTech by Thinkers 360 | Program Director for Digital Leadership at IMI | WBAF Senator for Ireland and Smart Cities Board Member | Co-Founder, Digital Transformation Lab

I work at the intersection of strategy, foresight, and transformation, helping boards and senior leaders navigate the complexity of AI, digital disruption, and systemic change. My focus is on turning emerging technologies into strategic clarity—equipping decision-makers to act with confidence at the edge of disruption.

As Principal at The Digital Explorer, I advise global brands on digital disruption, innovation, and board-level enablement. I also serve as Co-Founder and Managing Partner for EMEA at Access CX, where we help organisations design and operationalise world-class customer experiences through strategy, technology, and transformation.

I write extensively on AI, governance, and enterprise transformation. My newsletter, The Digital Explorer Chronicles, is widely read by boards and C-suite leaders seeking independent foresight. Recognised as a Top Voice by LinkedIn and Thinkers360, and a Top 50 EMEA Thought Leader, I rank in the Top 10 for Digital Disruption, AI Ethics, and the Metaverse, and in the Top 25 for Digital Transformation, Agentic AI, Generative AI, and FinTech.

Over the past 17 years, I have advised boards and executive teams across Europe, the Middle East, Asia, the Americas, and the Caribbean. My roles include Managing Director at Berkeley Research Group and directors at Grant Thornton UK LLP and Navigant Consulting. Before my advisory career, I held CEO and executive leadership roles in retail banking, mortgages, and investment management—firsthand experience that continues to shape my work on transformation challenges.

I serve as Senator for Ireland at the World Business Angels Investment Forum (WBAF), affiliated with the G20’s Global Partnership for Financial Inclusion, and as a board member of the WBAF Global Science, Technology & Innovation Committee. I also co-founded the Digital Transformation Lab at Cork University Business School (UCC), a think tank focused on digital transformation. In executive education, I am a faculty member at the Institute of Bankers in Ireland, delivering programmes on digital disruption in financial services and fintech.

Currently a PhD candidate researching board and executive understanding of digital disruption, I hold dual MBAs in Banking and General Management. I am a Chartered Director, Chartered Banker, and Chartered Marketer, and a Fellow of the Institute of Directors, the Institute of Banking, the Chartered Institute of Marketing, and the Marketing Institute of Ireland.

Founder & Managing Director

Saburai Consulting is a boutique Financial Services and FinTech strategic advisory firm. Our clients include established financial institutions evolving in the digital era, disruptive FinTech start-ups seeking to redefine the industry, and companies intent on revolutionising their business model through digital transformation.

For more information: www.saburaiconsulting.com

As organisations globally embed #AI into their operations & business strategies, conversations in boardrooms are shifting from ‘how do we govern AI’ to ‘how can AI help us govern’? Australian Institute of Company Directors

#artificialintelligence #aiagents #agenticai #generativeai #aigovernance #boardsofdirectors #digitaltransformation #digitaldisruption Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Prof Dr Ingrid Vasiliu-Feltes ®© Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu

AI use by directors and boards: Early insights

For European policymakers weighing investments in #AIFactories, #Gigafactories, and compute capacity, Finland offers critical insights into what infrastructure alone can and cannot achieve. 

Finland's experience reveals a growing gap between top #AItalent hubs and infrastructure-rich regions across Europe. Without purposeful policy interventions, infrastructure investments will not translate into stronger national capacity, and this gap will continue to widen - interface (formerly SNV).

#artificialintelligence #ai #aiagents #agenticai #generativeai #aiskills #digitaldisruption #digitaltransformation Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

Decoupling Infrastructure and Talent

Reimagining #banking operations through #AI is not simply a technology program; it is a strategic reinvention of workflows and a rewiring of how work gets done - McKinsey & Company.

#artificialintelligence #aiagents #agenticai #generativeai #digitaldisruption #digitaltransformation Richard Turrin Panagiotis Kriaris RAKTIM SINGH Sam Boboev Monica Jasuja JB McCarthy PhD Eveline Ruehlin Oriol Caudevilla Nicolas Pinto Victor Yaromin Theodora Lau Alex Jimenez Dr. Efi Pylarinou Helen Yu Imtiaz Adam Nicolas Babin Martin Moeller Dr. Sindhu Bhaskar

AI in Asia: Reimagining banking ops through agentic AI

Organisations across industries now view #AI as a core lever for long-term growth, efficiency, and competitive advantage - Capgemini

#artificialintelligence #aiagents #agenticai #generativeai #aigovernance #digitaldisruption #digitaltransformation Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

The multi-year AI advantage - The enterprise of tomorrow

The #luxurygoods industry is entering a new era—where the exclusivity of high craft meets the boundless innovation of #AI. Its future of luxury is marked by personalisation, efficiency, and next-level creativity - Deloitte.

#artificialintelligence #aiagents #agenticai #generativeai #retail #brands #digitaldisruption #digitaltransformation Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

Shaping luxury’s future with AI

#AI is no longer disrupting enterprises by doing something new. It is exposing what was already fragile: leadership clarity, decision-making authority, data foundations, governance maturity, and capacity to think under pressure.

In Issue 57, we explore:
🔰 Exposure, Not Disruption: What AI Reveals About the Enterprise
🔰 The Leadership Gap: When Intelligence Outruns Authority
🔰 The Data Illusion: Why More Intelligence Still Produces Fragility
🔰 Decision Authority in the Agentic Enterprise: Who Decides, Owns, Explains
🔰 Looking Forward: Exposure to Design, Rebuilding the Thinking Enterprise

#artificialintelligence #aiagents #agenticai #generativeai #aigovernance #digitaldisruption #digitaltransformation

WHEN INTELLIGENCE EXPOSES THE ENTERPRISE AI is no longer disrupting enterprises by doing something new. It is exposing what was already fragile: leade

Open article: The Digital Explorer Chronicles: Issue #57 by Tony Moroney • 9 min read

The Digital Explorer Chronicles: Issue #57

Over the next two years, 72% of executives expect #agenticAI to enable new technology capabilities that can transform business models and industry structures - IBM Institute for Business Value.

🔰 Only 38% of organisations have embedded security into every stage of the AI lifecycle— from development to deployment.
🔰 45% of executives say they will need to change how they set business goals and objectives because of agentic AI.

#artificialintelligence #ai #agenticai #generativeai #airisks #futureofwork #digitaldisruption #digitaltransformation Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

The essential guide to agentic AI

The expectation is that consumers will use a range of agentic payment tools to shop, search, purchase, and pay for goods and services, or to make other payments - Consumer Bankers Association. 

Benefits to Consumers and the Marketplace 
🔰 Reduced Cognitive Load:
🔰 Better Financial Outcomes
🔰 Faster Decision-Making and Transactions
🔰 Better Prices and Higher Quality
🔰 New Entrant Opportunities

#ai #artificialintelligence #agenticai #apyments #ecommerce #fintech #digitaldisruption #digitaltransformation #digitalbanking Richard Turrin Panagiotis Kriaris RAKTIM SINGH Sam Boboev Monica Jasuja Eveline Ruehlin Victor Yaromin Theodora Lau Alex Jimenez Dr. Efi Pylarinou Nafis Alam Martin Moeller Birgul COTELLI, Ph. D. Dr. Sindhu Bhaskar Dr. Martha Boeckenfeld Nicolas Babin Prof Dr Ingrid Vasiliu-Feltes Amna Usman Chaudhry Olivier Kenji Mathurin Orlando Francisco F. Reis

Agentic Al Payments

CEOs are investing in #AI even though immediate returns are often elusive. They’re prioritising #innovation. And many are entering new sectors as they lean into a reconfiguration of industries that’s reshaping the global economy.

PwC #artificialintelligence #aiagents #agenticai #generativeai #airisks #aigovernance #digitaldisruption #digitaltransformation Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

Leading through uncertainty in the age of AI

#ArtificialIntelligence is delivering real-world results, with impact, scale and trust now driving value - World Economic Forum & #Accenture.

Five key insights that enable successful AI adoption and scaling:
🔰 Harnessing AI as a core part of how organisations work
🔰 Amplifying strengths when humans and AI work together 
🔰 Strengthening data foundations and strategic #data sources 
🔰 Modernising the technology stack for advanced AI capabilities
🔰 Scaling AI with confidence through #responsibleAI practices

#ai #futureofwork #aiadioption #aiagents #agenticai #generativeai #aigovernance #digitaldisruption #digitaltransformation Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

Insights on Real-World AI Adoption

#AI has improved risk assessment accuracy by 30%, lifted lead-to-conversion ratios by 23%, and reduced time-to-quote by 40%. Advanced models also help strengthen capital planning. However, few insurers are scaling AI effectively. 

Boston Consulting Group (BCG)  

#artificialintelligence #aiagents #agenticai #generativeai #aigovernance #digitaldisruption #digitaltransformation #insurance Richard Turrin Panagiotis Kriaris RAKTIM SINGH Sam Boboev Monica Jasuja JB McCarthy PhD Eveline Ruehlin Oriol Caudevilla Nicolas Pinto Victor Yaromin Theodora Lau Alex Jimenez Dr. Efi Pylarinou Helen Yu Nafis Alam Imtiaz Adam Nicolas Babin Antonio Grasso Birgul COTELLI, Ph. D. Martin Moeller Nafis Alam Dr. Sindhu Bhaskar Dr. Martha Boeckenfeld Prof Dr Ingrid Vasiliu-Feltes Irene Lyakovetsky Dinis Guarda Ian Jones Neville Gaunt 💡⚡️ Giuliano Liguori Franco Ronconi Amna Usman Chaudhry Anthony Rochand Ima Miri Olivier Kenji Mathurin Orlando Francisco F. Reis Dr. Debashis Dutta Lionel Costes Helen Yu Sharad Agarwal

AI-First Companies - Life Insurance & Annuity

#AI is redefining the way organisations govern and manage risk. Boardrooms and their directors are at the forefront of this AI evolution - Deloitte.

Five ways board members can prepare for an AI future
🔰 Build the board’s AI literacy
🔰 Promote AI fluency in the C-suite
🔰 Consider recruiting board members with AI experience
🔰 Orient the board for the future
🔰 Guide the organisation as AI matures

#artificialintelligence #aiagents #agenticai #generativeai #aigovernance #BoardsofDirectors #digitaldisruption #digitaltransformation #aifluency Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Helen Yu Amna Usman Chaudhry Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

Artificial Intelligence in the boardroom

There is tremendous promise in what #agenticAI can achieve, but realising that potential requires careful planning, robust infrastructure and strong governance - S&P Global Market Intelligence.

#ai #artificialintelligence #aiagents #generativeai #aigovernance #airisks #digitaldisruption #digitaltransformation Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

AI in Action: Unleashing Agentic Potential 

Policies aimed at fostering long-run convergence through the #AI economy should prioritise facilitating access to the technology. Promoting international access to knowledge can accelerate the diffusion of AI and spread its benefits. 

OECD - OCDE

#artificialintelligence #aiagents #agenticai #generativeai #aiskills #airisks #digitaldisruption #digitaltransformation #futureofwork

AI and the Global Productivity Divide

66% of organisations report their boards have “limited to no knowledge or experience” with #AI, and nearly one in three say AI does not even appear on their agendas - McKinsey & Company.

Two priorities for boards:
🔰 Defining the company’s posture toward AI adoption
🔰 Tailoring the governance model to match the company’s AI posture.

#artificialintelligence #aigovernance #aiagents #agenticai #generativeai #boardsofdirectors #digitaldisruption #digitaltransformation Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

The AI reckoning: How boards can evolve

Third-party #AI platform providers are rapidly moving into the #ecommerce space. This poses an acute challenge to retail media organisations, which risk disintermediation by customers in both what is presented and what is learned. 

Arthur D. Little

#artificialintelligence #ai #aiagents #agenticai #generativeai #aiskills #digitaldisruption #digitaltransformation #retail #media #marketing Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

AGENTIC AI WANTS TO EAT YOUR LUNCHTIME MEAL DEAL

25% of CEOs identified ‘strategic differentiation’ — gaining competitive advantage through innovation, customer experience or new business models as the primary driver of #AI adoption - KPMG 

🔰 65% say Gen AI remains a top investment priority.
🔰 59% expect agentic AI to have a significant or transformational impact.
🔰 70% expect to spend 10–20% of their budget on AI in the next 12 months.
🔰 69% expect ROI from AI investments within 1–3 years, up from 13% last year.
🔰 56% say ethical challenges are the biggest obstacles to implementation.

In addition, 78% say AI workforce readiness or AI upskilling could negatively impact the organisation, while 79% say AI has redefined entry-level skills, and 80% say it is reshaping workforce development.

#artificialintelligence #aiagents #agenticai #generativeai #aigovernance #aiskills #digitaldisruption #digitaltransformation Richard Turrin Panagiotis Kriaris RAKTIM SINGH Sam Boboev Monica Jasuja JB McCarthy PhD Eveline Ruehlin Oriol Caudevilla Nicolas Pinto Victor Yaromin Theodora Lau Alex Jimenez Dr. Efi Pylarinou Helen Yu Nafis Alam Imtiaz Adam Nicolas Babin Antonio Grasso Martin Moeller Dr. Sindhu Bhaskar Dr. Martha Boeckenfeld Birgul COTELLI, Ph. D. Prof Dr Ingrid Vasiliu-Feltes Irene Lyakovetsky Dinis Guarda Ian Jones Neville Gaunt 💡⚡️ Giuliano Liguori Franco Ronconi Amna Usman Chaudhry Anthony Rochand Olivier Kenji Mathurin Orlando Francisco F. Reis Dr. Debashis Dutta Lionel Costes Helen Yu Sharad Agarwal Dr. Marcell Vollmer Ima Miri

KPMG 2025 Banking and Capital Markets CEO Outlook

#Tech services firms will need to cultivate deep domain expertise, combine capabilities across service lines to deliver integrated solutions, secure unique access to enterprise data, and master hybrid human–agent operational models.

McKinsey & Company #artificialintelligence #generativeai #aigovernance #aiagents #agenticai #ai #digitaldisruption #digitaltransformation

Reimagining tech services value proposition for agentic AI

#AI is probably the biggest, the most complex business transformation—but it’s 80% #businesstransformation and 20% #techtransformation - McKinsey & Company, North America Chair, Eric Kutcher.

#artificialintelligence #aiagents #agenticai #generativeai #digitaldisruption #digitaltransformation #businessmodelinnovation

How the best CEOs are meeting the AI moment

For #manufacturers, turning #AI investment into lasting competitive advantage means building new human and infrastructure capabilities as they completely rethink how a production network operates and what it can achieve.

McKinsey & Company

#artificialintelligence #aiagents #agenticai #generativeai #digitaldisruption #digitaltransformation #businessmodelinnovation

How COOs can scale AI in manufacturing

Experienced Professor and Leader with a demonstrated history of working in the higher education industry with rich experience in Transnational Education and Branch campuses.

I am currently working as a Professor of Finance and Head (Dean) of the School of Business at Monash University Malaysia. I previously worked as Professor and Head of the School of Accounting & Finance at Asia Pacific University (APU), as Associate Professor at Henley Business School ( Univ. of Reading), and at the Nottingham University Business School (NUBS) at the University of Nottingham Malaysia Campus (UNMC). I am also a research affiliate of the Cambridge Centre for Alternative Finance (CCAF) at Judge Business School, University of Cambridge. I regularly contribute to a global industry report on Fintech and Financial regulations.  

My research is focused on banking/FinTech regulation, financial stability, corporate finance, financial market, Islamic banking and finance, financial intermediation, and financial economics. My articles have been published in leading journals like The World Economy, Emerging Markets Review, RIBAF, Pacific-Basin Finance Journal, Journal of Asset Management, Journal of Banking Regulation, Journal of International Banking Law & Regulation, Review of Islamic Economics; Journal of Internet Banking and Commerce and Journal of Financial Services Marketing among others. I have co-authored nine books on Islamic Finance/Fintech, and among them is the Encyclopedia of Islamic Finance, which is the first of its kind and has sold over 1000 copies worldwide. 

As a frequent traveller, I have given lectures on Islamic finance/finance worldwide, such as the Harvard Islamic Finance Forum at Harvard Law School, Gulf Research Meeting at Cambridge University, UK, Durham University Summer School and Seoul International Finance Conference (SIFIC), among others. I have been appointed as a visiting Associate professor at Universities in the UK and Indonesia. I have co-edited special issues on Islamic finance in mainstream finance and economics journals such as The World Economy, Managerial Finance and Economic Papers. 

I was featured as the Professor of the Month by the Financial Times in 2014 and am the winner of the Upcoming Personality in Islamic Finance for 2016, given by GIFA. I have been ranked among the top 50 global social media influencers in Fintech by Refinitiv and Thinkers 360 and Ranked as the number one Global Regtech Influencer.

Nafis Alam

#AI in 2030- Extrapolating current trends-

Insightful takeaways from Epoch AI report

✅ On current trends, the largest #AImodels of 2030 will require investments of hundreds of billions of dollars, and 1,000x the compute of today’s largest models

✅ Continued scaling will lead to continued progress in capabilities. Once a task begins to show substantive progress with scaling, performance tends to predictably improve with further scaling

✅ AI will be able to implement complex scientific software from natural language, assist mathematicians formalising proof sketches, and answer open-ended questions about biology protocols

✅ Advanced AI will likely lead to a flourishing of desk-based research, which will likely benefit from all of the above advances.

✅ #regulation could have large effects on where #automation can happen in the economy, and could potentially lead to large differences in AI deployment between different jurisdictions. 

#Bigdata #ArtificialIntelligence #AgenticAI #GenerativeAI #AIskill #Automation #Investment #Decisionmaking #Fintech #Finserv #Regulation #Regtech  

Mike Flache Francesco Burelli Tony Moroney Panagiotis Kriaris Dr. Martha Boeckenfeld Prof Dr Ingrid Vasiliu-Feltes Spiros Margaris Alex Jimenez Nicolas Babin Nicolas Pinto Amitav Bhattacharjee Sam Boboev Enrico Molinari Dr. Khulood Almani🇸🇦 د.خلود المانع Dr. Efi Pylarinou Imtiaz Adam Eveline Ruehlin Victor Yaromin Digital Growth Collective Sharad Agarwal Dr. Debashis Dutta  


https://lnkd.in/dNsHuAuj

Educator,Researcher, Leader & Influencer. Head, School of Business; Prof of Finance @Monash University ||Top 50 global influencers in FinTech, Regtech & Crypto ||Making world a better place with RegTech Research

Artificial Intelligence in 2030

Top #banking trends for 2026- A new age of possibility- 

Key takeaways from Accenture  report 

✅ $13 trillion in transaction value could shift to alternative #payment methods by 2030, putting an estimated $13 billion in payment fees at risk.

✅ 57% of #business leaders believe #agenticcommerce will become mainstream within the next three years

✅ $289 billion in potential benefits from scaled #genAI adoption over the next three years

✅ 57% of #banking IT executives expect broad or fully embedded #AIagent adoption in #risk, #compliance and #fraud detection within three years.

✅ 8% average growth in #software costs a year since 2017, outpacing #banking revenue growth.

✅ ~ 70% of #ITbudget are being consumed just by maintenance of technical #debt.

✅ 81% of #riskexecutives expect that risks their organizations face will become more interconnected over the next two years.

#digitalcurrency #money #cryptocurrency #bank #fintech #finser #payment #diigitalpayment #regulation #regtech #GenAI #AI #AgenticAI 

Mike Flache Francesco Burelli Tony Moroney Panagiotis Kriaris Dr. Martha Boeckenfeld Prof Dr Ingrid Vasiliu-Feltes Spiros Margaris Alex Jimenez Nicolas Babin Nicolas Pinto Amitav Bhattacharjee Sam Boboev Enrico Molinari Dr. Khulood Almani🇸🇦 د.خلود المانع Dr. Efi Pylarinou Theodora Lau Douglas Arner Monica Jasuja Victor Yaromin Digital Growth Collective Helen Yu Prasanna Lohar Sharad Agarwal Lokesh Gupta Dr. Debashis Dutta  

https://lnkd.in/gPG6ng5v

Banking Top Trends 2026

Four #regulatory shifts #financial firms must watch in 2026- 

Key takeaways from EY report

✅ Global regulation is shifting towards localized, nationally driven agendas, resulting in diverse approaches and increased unpredictability.

✅ More than 70% of banking firms report using #agenticAI to some degree, with 16% having fully deployed solutions and 52% running pilot projects, but there is a general lack of robust #governance frameworks.

✅ Rapid advances in AI and digital assets are outpacing #regulatory #oversight, prompting new governance models and frameworks across regions.

✅ Payment regulation is caught between local and global efforts, with global rules cutting across the inherently local nature of payments, since specific rules are determined by the jurisdiction where the payment is received

✅ #Resilience, cybersecurity and #consumerprotection are rising as top priorities, with boards adapting to evolving risks and regulatory expectations

#Bigdata #AI #Digitalassets #Dataprivacy #CyberSecurity #FinTech #Finserv #Regulation #Regtech #stablecoins #fairness #Trust #AgenticAI

Mike Flache Francesco Burelli Tony Moroney Panagiotis Kriaris Dr. Martha Boeckenfeld Prof Dr Ingrid Vasiliu-Feltes Spiros Margaris Alex Jimenez Nicolas Babin Nicolas Pinto Amitav Bhattacharjee Sam Boboev Enrico Molinari Dr. Khulood Almani🇸🇦 د.خلود المانع Dr. Efi Pylarinou Douglas Arner Monica Jasuja Victor Yaromin Sharad Agarwal Digital Growth Collective Dr. Debashis Dutta 

https://lnkd.in/dwcfNyvX

EY Global Financial Services Regulatory Outlook 2026

Move away from over dependence on #Artificialintelligence- The #Human Advantage: Stronger Brains in e Age of #AI-

Key takeaways from the World Economic Forum  report in collaboration with McKinsey Health Institute  

✅ Despite rapid technological advances, nothing yet replicates the brain’s capacity to contribute to society.

✅ Countries and companies must evolve their strategies to enable collaboration and harness the complementary strengths of #humanintelligence and #technology

✅ Strong brain health lays the foundation for resilient individuals, organizations and communities

✅  elevating brain capital as an area of interdisciplinary research that can connect siloed efforts, attract more strategic #investment and support crucial work
on measurement.

✅ As AI advances, building human
capacity with comparable urgency and resources must be prioritized. Investing in #braincapital is a path to more fulfilling lives, resilient economies and stronger societies.

#Bigdata #Automation #Decisionmaking #Fintech #Finserv #AIrisk #Regulation #Regtech #Futureofwork 

Mike Flache Francesco Burelli Tony Moroney Panagiotis Kriaris Dr. Martha Boeckenfeld Prof Dr Ingrid Vasiliu-Feltes Spiros Margaris Alex Jimenez Nicolas Babin Nicolas Pinto Amitav Bhattacharjee Sam Boboev Enrico Molinari Dr. Khulood Almani🇸🇦 د.خلود المانع Dr. Efi Pylarinou Imtiaz Adam Eveline Ruehlin Peter Slattery, PhD Victor Yaromin Digital Growth Collective Sharad Agarwal Dr. Debashis Dutta  

https://lnkd.in/gTDZjShX

The Human Advantage in the Age of AI 2026

Rethinking #AISovereignty: Pathways to #Competitiveness through Strategic #Investments- 

Key Takeaways from the World Economic Forum (WEF)report

✅ Invest strategically in AI, concentrating on areas of comparative advantage rather than spreading resources across the entire #AIvaluechain

✅ Ensure #interoperable AI infrastructure to guarantee #scalability, #trust and #resilience.

✅ Partner strategically, tapping into alliances to fill critical gaps instead of duplicating

✅ Huge disparity in #AIinvestment- share of aggregate global AI investment by the #US and #China: approximately 65% costly efforts.

✅ Projected annual investment in AI applications by 2030: approximately $1.5 trillion

#Bigdata #ArtificialIntelligence #ResponsibleAI #AIEthics #AIRisk #FinTech #Finserv #regulation #regtech

Mike Flache Francesco Burelli Tony Moroney Panagiotis Kriaris Dr. Martha Boeckenfeld Prof Dr Ingrid Vasiliu-Feltes Spiros Margaris Alex Jimenez Nicolas Babin Nicolas Pinto Amitav Bhattacharjee Sam Boboev Enrico Molinari Dr. Khulood Almani🇸🇦 د.خلود المانع Dr. Efi Pylarinou Imtiaz Adam Eveline Ruehlin Peter Slattery, PhD Victor Yaromin Digital Growth Collective Sharad Agarwal Dr. Debashis Dutta

https://lnkd.in/gRxYJ-Th

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Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Tony Moroney's LinkedIn Performance

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