Tony Moroney

The Digital Explorer

- Advise global boards and C-suites on AI strategy, digital disruption, and innovation.
- Publish The Digital Explorer Chronicles, a top-performing newsletter on enterprise transformation.
- Deliver keynote talks and executive education on strategy, digital transformation and FinTech.
- Lead strategic research into board-level understanding of digital disruption (PhD focus).

For more information: www.digital-explorer.net 
The Digital Explorer is a trading name of Saburai Consulting.

Principal

Access CX

- Co-lead strategic advisory and next-gen managed services for global CX transformation.
- Architect plug-and-play AI operating models across people, process, and technology.
- Embed Human-First AI and Trustworthy AI frameworks into CX strategy.
- Partner with enterprises to drive measurable outcomes in CX and operational efficiency.

For more information: https://accesscx.com/

Co-founder, Managing Partner, EMEA and Chief Digital Officer (CDO)

World Business Angels Investment Forum (WBAF)

Senator representing Ireland in the Grand Assembly of the World Business Angels Investment Forum. 

As an affiliated partner of the G20 Global Partnership for Financial Inclusion (GPFI), the World Business Angels Investment Forum (WBAF) is committed to collaborating globally to empower the world's economic development. For more information: www.wbaforum.org/

Senator - Ireland

Digital Transformation Lab IE

The Digital Transformation Lab (DT-LAB) is an independent think-tank comprising like-minded individuals from academia, business, and consulting that are interested in generating, validating, and sharing best practices in Digital Transformation. 

The DT-LAB is hosted and supported by Cork University Business School at University College Cork. For more information: www.dt-lab.ie

Co-Founder & Secretary - The Digital Transformation Lab

World Smart Cities Economic Development Commission

Member of the Board of the World Smart Cities Economic Development Commission. This commission's collaborative approach aims to have a multiplier effect in terms of enabling innovation and digital transformation, stimulating the digital economy, and supporting the global entrepreneurial ecosystem.

Board Member

WBAF Global Science, Technology and Innovation Committee

Member of the Board of the Global Science, Technology and Innovation (STI) Committee. The STI is committed to connecting innovators with smart finance, creating a better environment for innovation, helping inventors commercialise their inventions, fostering the kind of creative thinking that leads to innovation by open learning and skill development, and accelerating technology transfer worldwide.

Board Member & President of the STI Emerging Tech and Cybersecurity Subcommittee

Irish Management Institute

Programme Director for Digital Leadership. In addition to custom programmes, lectures on Generative AI, Digital Disruption, Organisational Transformation, and the Future of Financial Services. 

IMI holds an AACSB accreditation, positioning it in the world's top 5% of business education providers. In the prestigious Financial Times Executive Education Global Business School rankings, IMI is ranked first in Ireland for quality of teaching. 

For more information: www.imi.ie

Programme Director - Digital Transformation & Member of the Associate Faculty

Saburai Consulting

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

Founder & Managing Director

Beta Digital

Founded Beta Digital as a specialist strategy and digital transformation advisory firm to empower boards and executives to bring about meaningful, transformational change in their business, culture and operating model and equips organisations with the skills and insights to compete in a dynamic and increasingly digitalised world.

Founder & Managing Partner

Berkeley Research Group LLC

Leading financial services advisor for Board and C-level clients in Ireland, the UK, Europe, the Middle East, the USA, Latin America and the Caribbean on strategy, digital transformation, conduct risk and cyber security preparedness. In addition, principal liaison officer to law firms in Ireland for economic disputes, litigation and global investigations. BRG is a leading global strategic advisory and expert consulting firm. For more information: www.thinkbrg.com

Managing Director - International Financial Services

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 Programme Director for Digital Leadership at the Irish Management Institute and a faculty member at the Institute of Bankers in Ireland.

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.

Organisations now face an unprecedented challenge: managing a single system that demands both human resource approaches and asset management techniques. The separation of technology and strategy exacerbates this. 

MIT Sloan Management Review & Boston Consulting Group (BCG)

#ai #artificialintelligence #aiagents #agenticai #generativeai #aigovernance #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

The Emerging Agentic Enterprise

With #AI, organisations must also understand the importance of leveraging #riskmanagement as a strategic imperative that balances #innovation with sound governance, transparency, and a commitment to ethical outcomes. 

McKinsey & Company

#artificialintelligence #aiagents #agenticai #generativeai #aigovernance #airisks #aiethics #digitaldisruption #digitaltransformation #banking

The new frontiers of AI in risk management

Enterprise #AI at scale is finally within reach. The technology is ready—as long as organisations can feed it the right data - IBM Institute for Business Value.

🔰 83% of CDOs say the potential benefits of #AIagents outweigh the risks
🔰 77% say they’re comfortable relying on outcomes from AI agents.

#artificialintelligence #generativeai #agenticai #digitaltransformation #data #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 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 2025 Chief Data Officer Study:The AI multiplier effect

The latest advancement of #AI technology is here: #agenticAI is an application of existing generative AI technology and has the potential to benefit enterprises and consumers more broadly - Information Technology Industry Council (ITI).

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

Understanding Agentic AI

Incentives will continue to be aligned with accelerated development until coordination mechanisms are designed that are grounded in a common knowledge of the global risks of advancing toward #AGI - RAND.    

Thoughts?

#ai #artificialintelligence #airisks #aigovernance #digitaltransformation #digitaldisruption #agenticai #generativeai #airegulation

The Race to AGI: Competition or Cooperation?

#ArtificialIntelligence (#AI) continues to advance by leaps and bounds, delivering breathtaking capabilities once thought to be far off in the future. AI is opening the door to innovations and new ways of working - Deloitte.

86 of the most compelling use cases for AI across six major industries: 
🔰 Consumer 
🔰 Energy, Resources & Industrials 
🔰 Financial Services 
🔰 Government & Public Services 
🔰 Life Sciences & Health Care 
🔰 Technology, Media & Telecommunications

#agenticai #aiagents #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 AI Dossier

Behavioural evidence, not benchmarks, will decide whether we face another #AI winter or a future where #code governs quietly in the background - Arthur D. Little.

#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. Sharad Agarwal Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu 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

WHY JUDGMENT WILL DECIDE THE FUTURE OF AGENTIC AI

While productivity gains continue to be a core benefit, organisations are increasingly leveraging #AI for strategic innovation. AI is now recognised as a catalyst for competitive differentiation and long-term growth. 

Both #generativeAI (#GenAI) and #agenticAI are expanding rapidly within organisations. AI-powered innovation is the new frontier. 

IDC - sponsored by Microsoft.

#artificialintelligence #aiagents #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 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

Frontier firms leading the AI revolution

#Transformation is now a way of life for global companies as they respond to disruption driven by regulatory change, technological advances, and shifting customer behaviours - Arthur D. Little.

 🔰 65% are undergoing wide-reaching or expanding transformation initiatives
 🔰 95% of respondents are highly confident they will deliver success
 🔰 71% have set a timeline of four to six years for transformation
 🔰 32% have a dedicated CTrO; 41% of transformation efforts led by the CEO.

#digitaltransformation #digitaldisruption #businessmodelinnovation

Embracing transformation in a disrupted world 2025

By building on past interactions, #agenticAI refines its behaviour over time, something traditional large language models (#LLMs) and #machinelearning (ML) models do not.

Agentic AI also offers capabilities such as reasoning, long-term planning, and dynamic environmental interaction. It tackles complex workflows that once required significant human oversight - Arthur D. Little

#ai #artificialintelligence #aiagents #generativeai #aigovernance #airisk #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

Beyond Prompts - Agentic AI

#Deepfakes have evolved from #socialmedia entertainment to powerful tools of deception, with nearly 5% of all #fraud attempts in 2024 estimated to involve deepfake elements - Citi.

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

AI Deepfakes | When Seeing and Hearing Can’t be Trusted 

With organisations moving at the speed of #generativeAI and #agenticAI—and soon, the speed of #quantum—seeking out stable ground becomes an exercise in futility - IBM Institute for Business Value.

Five strategic #technology trends:
🔰 Uncertainty will be your greatest asset—if you embrace it.
🔰 Employees will want more AI—not less.
🔰 Customers will hold your AI accountable.
🔰 Global AI resilience will require a local safety net.
🔰 Quantum advantage will demand strength in numbers.

#artificialintelligence #aiagents #aigovernance #quantumcomputing #data #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

5 trends for 2026 

Work in the future will be a partnership between people, agents, and robots—all powered by artificial intelligence. This requires new skills and a rethink of how people work together with intelligent machines - McKinsey & Company.

#ai #artificialintelligence #aiagents #agenticai #generativeai #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

Agents, robots, and us: Skills in the age of AI

#AI-led startups dominate funding in both volume and value, signalling a new era in which #AIagents and #automation are now the primary drivers of technology innovation across support functions - Finch Capital.

AI's Structural Dominance: Reaching 50% of Funding Volume
🔰 AI accounts for 50% of Business Tech funding volume in 2025. Median valuations have surged 2.6 times since 2018, surpassing the 2021 peaks.
🔰 Deal volume overall dropped 32% year-on-year. Yet deal values rose, showing consolidation amongst top performers across Europe.
🔰 France leads deal value at 49%, driven by Mistral AI. The UK accounts for 33% of the volume, followed by Germany and France.
🔰 Europe's median Business Tech exit reached €49M in 2025. Up 65% from last year, highlighting robust mid-market buyout activity.

#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 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

Europe’s AI Rewiring

#AI may support competition in downstream markets by lowering barriers to entry, reducing minimum efficient scale, and enabling product differentiation and #innovation. It also introduces new risks - OECD - OCDE.

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

AI and competitive dynamics in downstream markets

#FinancialServices institutions that treat their everyday #banking products as strategic levers—not utilities—can reshape their relationships with customers and unlock differentiated growth - Boston Consulting Group (BCG).

#retailbanks #banks #fintech #challengerbanks #neobanks #digitalbanking #digitaldisruption #digitaltransformation

Reimagining Everyday Banking Products

#GCC organisations may need to pick up the pace to stay ahead, backing experimentation and pilots with the capabilities required to support #AI at scale and drive #AIAdoption, with value creation as the constant goal.

QuantumBlack, AI by McKinsey

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

The State of AI in GCC

Only 8% of our #EU Member States have issued a national health-specific #AI strategy - World Health Organization and European Union.

Six key thematic pillars for AI governance and uptake: national strategies, legal frameworks, #data governance, adoption barriers, alignment with #health system needs and #trust building. 

🔰 Equity must remain a guiding principle. 
🔰 Gaps in legal accountability, uneven investments in #workforce development and emerging #risks of exclusion underscore the need for continued vigilance, cooperation and learning.  

#artificialintelligence #aiagents #agenticai #generativeai #aigovernance #aiethics #healthcare #healthtech #digitaldisruption #digitaltransformation

Artificial intelligence is reshaping health systems

Growth comes from how leaders choose to build and deploy #AI. Competitive advantage depends not on how many agents a company launches but on how effectively they are designed, managed, and scaled - McKinsey & Company.

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

Agents for growth: Turning AI promise into impact

#AI promises to make #auto #marketing and #sales cooler, smarter, and faster with smarter data-driven offers, pricing with automated support, reducing manual tasks, and improving efficiency- McKinsey & Company.

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

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