Ricardo Tomaz is VP of Finance & Operations at Ztudium, the 4IR technology company behind Businessabc, Citiesabc, and IntelligentHQ. He owns the group's finance and operations function, spanning financial strategy, budgeting, reporting, and multi-entity operations, and works directly with leadership to align commercial goals with data-driven insight.

Working at the core of a technology group operating across AI and blockchain, Ricardo writes on the practical intersection of finance and emerging technology: how automation and digital transformation are reshaping business operations, what data-driven decision-making looks like in practice, and the questions of governance and ethics that come with AI-led systems.