Fintech
In today's fast-evolving market, payment institutions, e-money institutions, and crypto-asset service providers are at the cutting edge. As customer needs shift and technology transforms financial services, these providers are continually innovating and redefining value creation.
To remain competitive, it's crucial to adapt to new regulations, bolster operational resilience, and tackle emerging risks – all while new business models and technologies rapidly enter the scene.
This is where we step in. Whether you're enhancing capabilities, navigating regulatory changes, or strategising for long-term growth, we're here to help you prepare for the future. With the strength of our global network, we enable you to stay ahead of change and unlock lasting potential.
Assurance
Investors want confidence on the financial statements of credit and financial institutions to understand performance and make decisions with confidence. Our audit approach is designed to bring clarity, reassurance, and sector‑specific perspectives to this continually evolving ecosystem. At PwC Malta, we are dedicated to deliver high‑quality audits powered by deep industry knowledge, vast experience, and the strength of PwC’s global network. Our focus is not only on meeting audit requirements, but on supporting your institution’s ability to adapt, grow, and remain resilient in a market that never stands still. We work alongside you by maintaining open, transparent communication throughout the audit process, helping you anticipate challenges and uncover opportunities.
Advisory
Financial institutions operate in a fast‑moving environment shaped by shifting customer expectations, evolving regulatory demands, and rapid advances in digital finance. Providers across payments, digital finance, and the wider financial services ecosystem must continuously adapt their business models while maintaining strong governance and operational resilience. We help financial institutions such as yours navigate this complexity with clarity and confidence. We support you as you respond to regulatory change, strengthen control frameworks, and plan for sustainable growth, ensuring you remain competitive and prepared for what’s next.
At PwC, we you navigate the complexities of licence applications by evaluating the necessary regulatory requirements and operational capabilities for success. Whether you're seeking authorisation for the first time, expanding your operations, or entering the Maltese market, we work with you to understand the supervisory landscape and assess the feasibility of your proposed activities.
We offer guidance on the essential elements of a strong application, such as the submission of the business plan, the governance structure, risk management framework, and considerations for capital and liquidity. We also support institutions in preparing for interactions with the regulatory authority, ensuring you understand the level of detail typically required during the assessment process. With this structured approach, we help you build a clear, well-supported regulatory proposition that aligns with your strategic goals and meets the standards set by the competent authorities.
The financial sector is expanding and diversifying quickly, with new services and products appearing at a fast pace. Meanwhile, regulatory demands are rising and changing, posing challenges for institutions in payments, digital assets, and the broader regulated financial services landscape.
Effective governance and risk management are crucial for a thriving financial institution, be it a payment institution, EMI or a CASP. We assist you in crafting governance structures that ensure clear accountability and strong oversight, while developing risk management frameworks that tackle operational, financial, technology, and compliance risks.
At PwC, we blend industry expertise with up-to-date regulatory insights to stay aligned with new requirements from authorities. We collaborate closely to offer clear, practical advice and customised support, helping you fortify your control environment and sustain trust in a swiftly evolving market.
Stay up to date with our latest
thought leadership
Contact us
