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Operator-Led AI Value Creation

The Question is no longer
whether to adopt AI — but whether
it's actually changing your economics.

Digit-AI helps banks, investors, and regulated businesses turn digital and AI ambition into measurable commercial and operating outcomes.

Grounded in operating reality, not AI theatre.

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The Offer

"Digit-AI runs a 3-week AI Value & Defensibility Audit that quantifies EBITDA/efficiency upside and governance risk — then can stay on as Fractional CAIO to deploy the top 2–3 opportunities."

The Reality

Most AI initiatives still produce pilots, not financial results.

The gap between AI ambition and AI economics is where value gets destroyed. Strategy decks multiply. Nothing ships. Regulators ask questions in month 8 that no one prepared for.

Most firms do not need more AI ideas.

They need clearer investment decisions, stronger governance, and execution that improves economics without creating regulatory risk.

Proof, Not Posture

Built on work done in real operating environments, with real capital at stake.

Standard Chartered

Global CIB Digital Transformation

Led an $800M transformation across 60 markets and 1,500 people. Built the bank's Data, API and DLT functions from scratch. A leading global management consultancy subsequently ranked Standard Chartered a top-3 digital open bank globally.

$3.7Btransaction banking revenue digitised
12%revenue uplift

TDB Bank Mongolia

Enterprise Digital & AI Transformation — Current

First Deputy CEO, leading enterprise digital, AI, technology, product and data transformation with 250+ staff. Overseeing one of the most complex active Temenos core banking implementations globally — building a cloud- and API-native platform.

One of the most complex active Temenos core banking implementations globally
1M+clients on new platform

CVC Capital Partners

PE Portfolio Value & Diligence

Supported portfolio value optimisation and acquisition diligence in financial services for one of the world's largest private equity firms. Institutional-grade analysis on both sides of the table.

PE Advisory
Same operator perspective advising buyers and running the transformation inside the portfolio company.

Strategy, implementation, investment judgement, and operating reality — connected.

How We Work

Three ways AI changes your P&L.

01

Fixed Scope · 3 Weeks

AI Value & Defensibility Audit

A decision-ready assessment for boards, investors and executive teams. Identifies where AI creates measurable value, where the business is exposed to disruption, and what to prioritise. Client output: a financial case your board can act on — not a strategy deck.

Most engagements begin here
02

Retained Engagement

AI Value Creation Partner / Fractional CAIO

Senior AI leadership without a full-time hire, a lengthy search, or a steep learning curve. Joins the leadership team to prioritise, shape the operating model, challenge weak initiatives, and keep the programme tied to value.

Embedded, not advisory
03

Programme Phase

AI Deployment Governance & Value Realisation

Strategy into controlled execution. Digit-AI leads architecture, governance and oversight. Specialist engineering partners execute the build under a single governance model. Compliance signs off before anything goes live.

Regulator-ready

Audit → Leadership → Deployment  ·  One partner across the full value cycle

Who We Serve

Senior buyers who cannot afford to get this wrong.

Primary · Private Equity

One fund relationship.
Portfolio-wide AI impact.

PE Ops Partners need AI-driven EBITDA uplift across 8–15 portfolio companies through one trusted relationship. They cannot afford pilots that burn budget without impacting hold-period returns.

Per Target AI Value & Defensibility Audit — 3 weeks, fixed scope. Feeds directly into the IC memo.
Fund Level AI Operating Partner across the portfolio. Architecture, governance, and vendor management through one relationship.

Banks & Financial Institutions

Modernise the bank, not just the technology stack.

Cost-income ratio improvement that human-only operations can no longer deliver — with the regulatory fluency the situation demands.

The fear Regulatory risk from poorly governed AI, and a 6-month CAIO search followed by a 12-month learning curve.

Sovereign & Regulated

Apply AI in ways that survive scrutiny.

Senior AI leadership for complex, multi-market transformations where decisions must stand up to boards, control functions, and regulators.

The fear Hiring a consultancy that sends juniors and leaves before anything ships.

Why Digit-AI

Martijn de Jong — Founder & Managing Director
MdJ
Martijn de Jong Founder & Managing Director
Technology Advisory Board · Northern Data Group

Not a team. Not a methodology. A person with a track record you can verify this afternoon.

25+ years. Standard Chartered. Reliance Jio. TDB Bank. CVC Capital Partners.

Investment Committee · MoreThan Capital (AI & Tech VC)

Every Digit-AI engagement is led directly by Martijn de Jong.

Martijn currently runs a regulated bank transformation as First Deputy CEO at TDB Bank, advises PE funds on AI diligence, and sits on the technology board of Northern Data Group — one of Europe's largest AI infrastructure platforms. That operating position is verifiable and current.

The moat is not a methodology. It is a live track record.

How We Compare

vs. Big Four / MBB You get the principal, not the team. They send teams supervised by partners with advisory experience. Digit-AI sends the person who has sat in the C-suite chair, managed the regulator, and signed off on the P&L.
vs. Specialist AI Regulated environments, not just models. Most focus on model building. We bring first-hand experience of bank risk committees, PE value creation plans, and regulatory expectations.
vs. In-house CAIO Equivalent leadership, immediately. Lengthy search, steep learning curve. Digit-AI provides senior leadership now — with broader cross-sector exposure.
vs. Integrators Economics, not just technology. They deploy technology. We ensure technology changes economics.

Let's Talk

Let's quantify what AI inaction is costing your organisation.

Start with the AI Value & Defensibility Audit — three weeks, fixed scope,
a financial case your board can act on.

Schedule a Conversation

Or reach us directly at hello@digit-ai.ai

Perspectives

Analysis written for decision-makers, not technologists.

AI strategy, governance, and value creation — from an operator who is accountable for the outcome.