Malta: Technology

The Malta Financial Services Authority has issued critical guidance on compliance reporting and digital operational resilience for financial institutions operating in Malta.

For decades, digital trust has relied on a foundational assumption: that the cryptographic systems securing financial infrastructure are effectively unbreakable within any realistic business horizon. That assumption is now being re‑examined.

The Malta Financial Services Authority has introduced a new General Code of Conduct for Decision Makers in the Financial Services Industry, establishing principles-based supervisory expectations for governance, leadership behaviour and senior-level decision-making. While non-prescriptive, the Code serves as a key reference point in supervisory engagement and inspections, applying broadly to board members, senior executives and decision makers within MFSA-supervised and listed entities.

It is already embedded in how businesses analyse data, produce forecasts, draft reports and automate routine decisions. In financial advisory, AI has proven particularly effective at processing large volumes...

The EU AI Act adopts a risk-based approach, meaning applicability is not determined by company size, but by what the system does and how it is used. A recurring misconception among founders...

In recent years the European Union has positioned itself as the world’s foremost digital regulator. From the introduction of the GDPR to the enactment...

The European Securities and Markets Authority has published draft regulatory technical standards recalibrating the clearing thresholds under EMIR 3, fundamentally shifting the framework from a distinction between OTC...

On 17 April 2026 ESMA released a statement regarding the end of transitional periods under the MiCA regime. In ESMA’s previous statements about supervisory convergence, transitional measures...

DAC8 represents a pivotal shift in EU crypto-asset regulation, extending tax transparency requirements beyond traditional finance to crypto platforms and operators.