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

I'm a curious technologist and storyteller passionate about making complex things simple.

For over three decades, I’ve worked at the intersection of deep technology, financial services, and digital transformation, helping institutions reimagine how technology creates trust, scale, and human impact.

As Senior Industry Principal at Infosys Finacle, I advise global banks on building future-ready digital architectures, integrating AI and Open Finance, and driving transformation through data, design, and systems thinking. 
My experience spans core banking modernisation, trade finance, wealth tech, and digital engagement hubs, bringing together technology depth and product vision.

A B.Tech graduate from IIT-BHU, I approach every challenge through a systems lens — connecting architecture to behaviour, and innovation to measurable outcomes.

Beyond industry practice, I am the author of the Amazon Bestseller Driving Digital Transformation, read in 25+ countries, and a prolific writer on AI, Deep Tech, Quantum Computing, and Responsible Innovation. 
My insights have appeared on Finextra, Medium, & https://www.raktimsingh.com
, as well as in publications such as Fortune India, The Statesman, Business Standard, Deccan Chronicle, US Times Now & APN news.

As a 2-time TEDx speaker & regular contributor to academic & industry forums, including IITs and IIMs, I focus on bridging emerging technology with practical human outcomes — from AI governance and digital public infrastructure to platform design and fintech innovation.

I also lead the YouTube channel https://www.youtube.com/@raktim_hindi
 (100K+ subscribers), where I simplify complex technologies for students, professionals, and entrepreneurs in Hindi and Hinglish, translating deep tech into real-world possibilities.

At the core of all my work — whether advising, writing, or mentoring — lies a single conviction:

Technology must empower the common person & expand collective intelligence. You can read my article at https://www.raktimsingh.com/

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