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

#India is the world's third-most-competitive #AI nation, with a mature ecosystem defined by interoperability and inclusion that is driving innovation and enhancing productivity - KPMG India.

#artificialintelligence #aiagents #agenticai #generativeai #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 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

AI for Bharat: Innovation and inclusion at scale

A #Finance #AIAgent is a digital worker that fulfils finance objectives by taking meaningful and independent action. It can make decisions in real time, adapt to new situations, and improve through feedback and interaction - KPMG.

To accelerate an agentic AI program:
🔰 Articulate the vision
🔰 Start agentic pilots
🔰 Prepare to scale agents within key functions and/or workflows
🔰 Evolve your trusted AI governance playbook for agents
🔰 Implement Trusted AI evaluations specific to AI agents
🔰 Establish agentic talent performance metrics

#ai #artificialintelligence #agenticai #generativeai #digitaltransformation #digitaldisruption 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 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

The Agentic AI Advantage_Finance agents 

#AI terms you need to know in 2026 - EY

🔰 Affective AI
🔰 Autotelic AI
🔰 Biohybrid Intelligence
🔰 Collaborative AI
🔰 Edge AI
🔰 Neurosymbolic AI
🔰 Physical AI
🔰 Reflective AI

#artificialintelligence #aiagents #agenticai #generativeai #physicalAI #digitaldisruption #digitaltransformation

AI terms you need to know in 2026

Most #AI programmes don’t fail because the models are weak. They fail because organisations are still designed for slow, centralised decision-making. AI isn’t exposing a technology gap—it’s exposing an operating-model one.

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

Every era of disruption has a comforting lie. For the internet, it was “we just need a website.” For the cloud, it was “we’ll migrate when it’s cheape

Open article: AI Is Not Failing. Your Operating Model Is. by Tony Moroney • 4 min read

AI Is Not Failing. Your Operating Model Is.

A strategic approach to #AI is tied to business goals and people #strategy, framing AI as a shared responsibility across #leadership, #HR, and business units - Roland Berger.

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

Making AI a people topic: Tech as everyday practice 

We stand at a critical crossroads: the governance of #AI is being dictated by rapid technological development and concentration of power rather than public deliberation.

Democratic AI governance requires holistic efforts across multiple policy areas to encompass the entire technological lifecycle, from infrastructure to AI deployment - KT4Democracy.

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

Framework for Democratic AI Governance

If you are only optimising people, you are already behind.  The next decade belongs to those who optimise service intelligence - Deloitte.

Access CX has written extensively about this shift over the past two years. See our Insights: https://lnkd.in/erhuHdV8

#ai #artificialintelligence #aiagents #agenticai #generativeai #callcenters #bpo #digitaldisruption #digitaltransformation #CX Tom Moroney Melwyn D

The Future of Service - The Age of Intelligent Experience

A new governance reality for boards and executive teams: #AI risk is not only about model behaviour. It is about operational authority: who or what can act, what they can touch, and how quickly that authority can be constrained when the context shifts.

In Issue 60, we explore:
🔰 AI Isn’t Failing. Your Operating Model Is.
🔰 The Identity Threshold: When Digital Workers Require Digital Authority.
🔰 From Policies To Proof: Why “Living Compliance” Is A Competitive Capability.
🔰 The Work Paradox: Why AI Can Increase Load Even As It Increases Output.
🔰 Looking Ahead: When Trust Becomes An Enterprise System.

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

THE CONTROL PLANE ENTERPRISE: IDENTITY, EVIDENCE, AND THE WORK OF TRUST For years, enterprise AI was discussed as an upgrade: better predictions, fast

Open article: The Digital Explorer Chronicles: Issue #60 by Tony Moroney • 7 min read

The Digital Explorer Chronicles: Issue #60

#AgenticAI is becoming table stakes far faster than expected - Nylas.

#artificialintelligence #ai #aiagents #generativeai #digitaltransformation #digitaldisruption #software

The State of Agentic AI 2026

The greatest fear isn’t that #AI is wrong; it’s that AI is ungoverned. Against this backdrop, the CIO’s role is mutating into the AI Accountability Officer - Dataiku.

🔰 29% say they’ve been asked six or more times in the past year to justify or defend an AI outcome they could not fully explain
🔰 85% of CIOs say gaps in traceability or explainability have delayed or stopped AI projects from reaching production 
🔰 70% believe new AI audit or explainability requirements are very likely within the next 12 months
🔰 74% regret at least one major AI vendor or platform selection made in the past 18 months.

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

7 Career-Making AI Decisions for CIOs in 2026

#GenerativeAI and #agenticAI have emerged as powerful strategic differentiators for #capitalmarkets firms. Momentum has been building rapidly and is accelerating exponentially - Amazon Web Services (AWS).

#artificialintelligence #aiagents #agenticai #generativeai #aigovernance #Trade #digitaldisruption #digitaltransformation 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 Prof Dr Ingrid Vasiliu-Feltes Birgul COTELLI, Ph. D. Dr. Sindhu Bhaskar Dr. Martha Boeckenfeld Nicolas Babin Amna Usman Chaudhry Olivier Kenji Mathurin Orlando Francisco F. Reis Andres Lehtmets Dan Fiehn  FBCS CITP Andrew Samu JB McCarthy PhD

Innovation Across the Trade Lifecycle with Generative AI

The transformation execution gap is the widening divide between organisations that act decisively during volatility and those that hesitate—creating measurable differences in speed and performance - KPMG.

Four pillars of effective transformation
🔰 Center on business value
🔰 Take a portfolio (not program) approach
🔰 Accelerate and scale with emerging technology
🔰 Foster a culture of continuous innovation

#digitaltransformation #digitaldisruption #businessmodelinnovation 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 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

Transforming with confidence and clarity in volatile times

By 2030, #tokenizedassets, #stablecoins, & #centralbankdigitalcurrencies (#CBDCs) won’t be experimental. They’ll be table stakes - IBM Institute for Business Value.

#financialservices #banking #payments #fintech #digitaltransformation #digitaldisruption #businessmodelinnovation

Banking in the tokenized economy

#AI will redefine value creation across every segment of the #insurance market. Investors and management teams in its #ecosystem will need to harness AI compete effectively over the next decade - McKinsey & Company.

#artificialintelligence #aiagents #agenticai #generativeai #aigovernance #digitaldisruption #digitaltransformation 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 Prof Dr Ingrid Vasiliu-Feltes Birgul COTELLI, Ph. D. Dr. Sindhu Bhaskar Dr. Martha Boeckenfeld Nicolas Babin Amna Usman Chaudhry Olivier Kenji Mathurin Orlando Francisco F. Reis Andres Lehtmets Dan Fiehn  FBCS CITP Andrew Samu JB McCarthy PhD

AI in insurance - Implications for investors

#EnterpriseAI is leaving the #datacenter. Multi‑agent systems running at the #edge turn local data into instant action without a round-trip to the #cloud. The result: lower latency, higher resiliency, tighter security, and faster value- KPMG.

#artificialintelligence #aiagents #agenticai #generativeai #digitaldisruption #digitaltransformation #ai 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 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

Pushing Boundaries: How to lead with Edge AI computing

India’s online retailers, many of which are small businesses, are looking for flexible, direct, and lower-cost ways to reach consumers, and the direct-to-consumer channel is set for growth - McKinsey & Company.

#ecommerce #payments #SMEs #digitaldisruption #digitaltransformation #retail #india #businessmodelinnovation

The great unbundling of Indian e-commerce 

For many governments, the challenge is not technological but institutional: whether they can translate new technological tools into tangible public value under conditions of scarcity, fragmented systems and structural constraints.

Tony Blair Institute for Global Change

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

Delivering AI Impact

As #AI becomes more agentic, trust becomes even more critical. Agents need the right context in order to take the right actions, which makes knowledge infrastructure foundational - #PrashanthChandrasekar, Stack Overflow.

McKinsey & Company 

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

Building trust to scale AI: Interview with Stack Overflow

Business strategist ■ Catapulting revenue & driving innovation ■ Serial entrepreneur & executive with global experience ■ Board member ■ Author

I’ve spent more than 30 years building real technology systems from hospital operations and smart mobility to AI and today I help leaders deploy AI responsibly, pragmatically, and at scale. 

As a strategic advisor and consultant, I’m passionate about accelerating revenue and driving innovation for companies that align with my values of transparency, honesty, and human-centered growth.

I enjoy contributing to conversations that shape the future of technology and business, offering actionable insights, ethical perspectives, and real-world experience.

With a career spanning startups to multinational tech leaders, I’ve held leadership roles across Asia, North America, and Europe. My journey includes launching 26 startups, scaling several to 8-figure revenues, leading two IPOs, and overseeing €500M in global M&A. I’ve driven 3X to 10X revenue growth and advised companies on transformative digital strategies.

I bring hands-on experience in AI and robotics, cloud computing, health tech, web analytics, gamification, consumer electronics, and digital marketing. Whether as a board member, C-suite advisor, or strategic connector, I’m focused on translating bold ideas into scalable, profitable growth.

How I help:
• Advising founders and executives on growth, innovation, and transformation
• Developing and executing high-impact strategies
• Leveraging a powerful global network for strategic introductions
• Guiding companies in ethically deploying AI and emerging technologies
• Sharing my expertise in AI and robotics, digital transformation, cloud, health tech, web analytics, gamification, big data, consumer electronics, and digital marketing

Who I work with:
I partner with growth-minded organizations—startups and corporates alike—that are building innovative, impactful solutions. Sector experience includes healthcare, technology, electronics, and retail.

Based in France, I work with clients globally, having lived and worked in the U.S., Japan, the U.K., Germany, and Benelux.

Let’s connect:
If you’re seeking a seasoned advisor to help drive innovation and sustainable growth, I’d love to hear about your vision. Feel free to send an InMail to arrange a quick call.

Nicolas Babin

📢 Throughout this series, I’m sharing leadership lessons shaped by repetition, situations I’ve seen play out again and again over the years. One of the most critical lessons is learning to distinguish between decisions that can be fixed and those that cannot.

Not all decisions carry the same weight. Some shape culture, trust, and trajectory for years. Hiring choices, governance structures, incentive systems, once made, they are extremely difficult to undo.

👇 This video is about recognizing irreversible decisions early, and treating them with the care they deserve.

🎥 Watch if you want to lead with long-term responsibility, not short-term urgency.

Business Strategist | Driving Innovation & Growth | Serial Entrepreneur (26 Startups) | Board Member | Author of The Talking Dog

💣 AI does not replace leadership.

It exposes it.

📍 That’s why I’ve written so much about AI and Human Resources, and AI and leadership.

Culture, bias, governance, decision quality, AI amplifies all of them.

👇 In this 1-minute video, I reflect on what AI really changes at the leadership level and what it doesn’t.

🎥 Watch the video.
 
Leadership maturity matters more than ever.

Happy to share that I'll be speaking at AI Career Success: Why Leaving Your Comfort Zone Is Your Biggest Advantage! Make sure to attend it tomorrow.

From the Factory Floor at 12 to IBM Futurist | Authority Architect | Engineering Success for Founders & Executives | Co-Founder, MONDAY INFLUENCER®

AI won't replace you. Your routines will.

Join me and Nicolas Babin (former head of Sony Europe AI & Robotics and EU Digital Ambassador) to learn why your comfort zone is the biggest risk to your career right now—and how to break out of it.

Friday 20th.
5:05 PM (17:05) in the UK:
NY: 12:05 PM (EST)
San Fran: 9:05 AM (PST)

Save your spot. 👇

Mitch Jackson, Andrew Duggan and 34 other attendees

View event: AI Career Success: Why Leaving Your Comfort Zone Is Your Biggest Advantage

AI Career Success: Why Leaving Your Comfort Zone Is Your Biggest Advantage

And for this Friday thought-provoking post, I would like to have your feedback about this:

The most dangerous sentence in leadership:

“We’ve always done it this way and it worked.”

What do you think? Please write your comments below!

The clip was created by Adobe Stock

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The Battle

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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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Performance ScoreTony Moroney's LinkedIn Performance