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

Projects Delivery Group

Projects Delivery Group assist organisations to maximise their business processes and project delivery by providing the best mix of people, processes, tools and training in a collaborative work space.
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Projects Delivery Director

Albwardi Engineering Consulting

Responsible for the successful leadership and management of the organization according to the strategic direction set by the Directors.

Primary Duties and Responsibilities

Leadership
•	Participate with the Directors in developing a vision and strategic plan to guide the organization
•	Identify, assess, and inform the Directors of internal and external issues that affect the organization
•	Act as a professional advisor to the Director on all aspects of the organization's activities including set up the Project Management Office (PMO)

Operational planning and management
•	Develop an operational plan which incorporates goals and objectives that work towards the strategic direction of the organization
•	Oversee the efficient and effective day-to-day operation of the organization

Program planning and management
•	Monitor the day-to-day delivery of the programs and services of the organization to maintain or improve quality
•	Oversee the planning, implementation, execution and evaluation of special projects

Human resources planning and management
•	Determine staffing requirements for organizational management and program delivery
•	Recruit, interview and select staff that have the right technical and personal abilities to help further the organization's mission
•	Ensure that all staff receives an orientation to the organization and that appropriate training is provided
•	Implement a performance management process for all staff which includes monitoring the performance of staff on an on-going basis and conducting an annual performance review
•	Coach and mentor staff as appropriate to improve performance

Financial planning and management
•	Ensure that sound bookkeeping and accounting procedures are followed
•	Provide the Board with comprehensive, regular reports on the revenues and expenditure of the organization

Executive Director

Saudi Consolidated Engineering Company - Khatib & Alami

Project Manager on the construction of the strategic plan of the Riyadh City water management contract 13.

Full Project Management of the design and constuction of a major Saudi infrastructure project.

Senior Construction Project Manager

Oryx Energy Projects & Services

Project managed the delivery of the Oryx Engineering Solutions centre at Ras Laffan Industrial city, Qatar, a 15,000m2 3 storey concrete office blocks, Pre Engineered Building workshop and services outbuildings.  (Value $25m).

Client Representative

Halcrow

Project Managed the delivery of the Infrastructure, Structural and MEP packages on the Qasr Al Sarab five-star retreat being built by the Tourism Development & Investment Company (TDIC), in Abu Dhabi. Attended principals and design meetings and communicated between Client, Architect and Contractor (Value $300m).

Qasr Al Sarab is a massive luxury five star Arabian retreats built in the Liwa Desert. The development features a five star hotel, a luxury health spa and conference centre. The total built up area is 53,000 square metres. with 142 hotel rooms, 42 private villas and 10 royal villas.

Senior Project Manager

ADL Management

Began as Structural Engineering Technician but then through continual professional Development advanced to Project Management Consultant.
Clients and projects including, but not limited to the following:
Allott and Lomax  (Now Jacobs) Heysham Nuclear Power Station, THORP –Nuclear Processing Plant.
Atkins – Decommissioning of the B70 building on the Sellafield Nuclear site for BNFL
AtoZ Precast - Refurbishment, re-cladding  and structural alterations of the bridges in and around ST. Petersberg, Florida.
Balfour Beatty International - Hydro electric project in the north of Thailand as a JV between Balfour Beatty International and the Thailand Electric Authority
Bison Pre-cast - Numerous precast projects in the UK including numerous Football Stadia most notably Manchester United- Old Trafford Football Stadium & Nottingham Forest Ground.
Biwater – Numerous waste water plants in the UK and Iraq.
Breton Pre-cast – New headquarters for the VAT office in Southend UK.
Dandara Developments – St George’s Island Manchester  Tower residential development.
Dosser Group – Re-cladding of the external envelope of York University
Graham Schofield Associates – Structural renewal and repair contract of schools for Lancashire Count Council. 
LWC Sdn. Bhd - Kuala  Lumpar Commonwealth Games Stadia, infrastructure and hotels.
North West Water – Various water infrastructure projects.
Multi Design Consultants (Simons) - THORP Head End Nuclear Processing Plant
Peter Barnsley Associates – Merry Hill Shopping Centre, including Cinema and Mono Rail system
Travers Morgan- Infrastructure and  Submerged Tunnel to A55 Conway By-Pass, Wales UK.

Structural Engineer

Are These Challenges Holding Your Team Back?
* Struggling to find a cohesive team that consistently delivers projects on time and within budget?
* Concerned that your team isn't equipped with the latest skills to drive your company’s growth?
* Finding it hard to stay competitive in an era of rapid technological advancement?

You’re Not Alone – And It’s Not Your Fault
In today's fast-paced digital world, it's easy to feel overwhelmed by the constant need to adapt. Many companies struggle to build teams that are both high-performing & up-to-date with the latest technologies. This is not a reflection of poor management—it’s a result of the increasing complexity and speed of change in today’s market.

What I’ve Seen: Common Pitfalls & Game-Changing Solutions
From my experience working with tech-driven executives, I’ve noticed three critical challenges:
* Building teams with the right mix of skills to meet evolving project demands.
* Ensuring continuous upskilling to keep pace with rapid technological changes.
* Implementing a unified, data-driven project management approach that everyone can rally behind.

When organizations address these challenges by working with me, they experience:
* Seamless project delivery through optimized, high-performing teams.
* Continuous development & alignment with cutting-edge technologies.
*Streamlined processes & enhanced project quality that drives growth & innovation.

How My Approach Transforms Teams and Projects
1. Turning Around Troubled Projects: A luxury resort development project in Abu Dhabi was facing severe delays and budget overruns. After restructuring the project team and applying a data-driven management strategy, we delivered the project on time, meeting all quality expectations.

Creating Digital Transformation Success: I spearheaded the design and implementation of a cloud-based virtual PMO in Saudi Arabia. This overhaul boosted project tracking efficiency by 35% and significantly improved decision-making for high-profile initiatives.

Building High-Performing Teams for Global Expansion: At CTG Group, I established project management offices across the UK, Chennai, Dubai, & Manila. By recruiting the right talent & deploying effective methodologies, I helped the company grow from a start-up to a multi-million-dollar enterprise, managing a portfolio of complex global projects.

Ready to Elevate Your Team’s Performance?
If you’d like to see similar results in your projects, send me a direct message here on LinkedIn, and let’s discuss how we can work together to build and equip a team that drives your success.

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