Malta As A Jurisdiction For EMIs And PSPs

Why the World's Most Ambitious Fintech and Payments Businesses Are Choosing Malta

The decision of where to licence an Electronic Money Institution or a Payment Service Provider is one of the most consequential strategic choices a fintech founder or payments business can make. The jurisdiction you choose determines your regulatory credibility, your access to markets, your tax position, your ability to attract banking partners, and in many cases, the speed at which your business can actually begin operating. Get it right and you have a foundation built for scale. Get it wrong and you spend years fighting friction that should never have been there.

Malta is increasingly the answer that serious operators arrive at when they work through this decision rigorously. This article sets out why, with specific reference to the regulatory framework maintained by the Malta Financial Services Authority, the commercial ecosystem that has developed around financial services