Malta: Financial Services

FinanceMalta speaks with Mike Wardle, CEO of The Z/YEN Group of Companies, during the 18th FinanceMalta Conference. The discussion explores insights on global financial services and green finance indices, examining how these metrics shape the financial industry landscape.

The Payment Services Directive 3 (PSD3) and Payment Services Regulation (PSR) introduce fundamental changes to the EU payments landscape, including the elimination of the standalone EMI licence, mandatory Verification of Payee requirements, and a significant shift in fraud liability. With a 27-month transitional window, payment institutions and electronic money institutions must begin preparing now to meet the new unified framework's stringent requirements.

FinanceMalta sits down with Lin Han, Founder of Gate.com, to explore the evolving landscape of cryptocurrency markets, examining critical issues around security protocols, market transparency, and the trajectory of digital asset growth. The conversation delves into the challenges and opportunities facing cryptocurrency exchanges as they navigate regulatory frameworks and technological innovation.

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 18 May 2026, the Malta Financial Services Authority (MFSA) published a consultation paper on the tokenisation of financial instruments and real-world assets (RWAs), inviting industry feedback on the legal...

The European Union is finalizing the Third Payment Services Directive and Payment Services Regulation, fundamentally restructuring how payment institutions and electronic money issuers are authorized and supervised across the single market.

By virtue of Act I of 2025, significant amendments were introduced to Merchant Shipping Act (‘MSA’) Chapter 234 of the Laws of Malta (‘The Amendments’)...

“Malta finds itself navigating a delicate balance between the EU’s drive for centralisation and Malta offering a competitive edge over its European counterparts,” said Dr Conrad Portanier in his opening address at Ganado Advocates’ 11th Annual Banking and Payments Seminar last month.

The European Union is set to implement what is widely regarded as the most significant overhaul of its investment funds framework in over a decade, through the introduction of AIFMD II and the parallel updates to the UCITS regime (commonly referred to as ‘UCITS VI’), under Directive (EU) 2024/927 which amends the existing AIFMD and UCITS frameworks, with both reforms largely scheduled to apply from 16 April 2026.