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25 May

Accounting By Cleven Damato

How Free AI Access Could Help Malta’s SMEs

In May 2026, Malta announced a first-of-its-kind partnership with OpenAI to give people in Malta access to ChatGPT Plus through a national AI programme. OpenAI described the initiative as a world-first partnership to roll out ChatGPT Plus to Maltese citizens,...

Uncategorized By Cleven Damato

KYC in Malta: Why It Is Becoming More Than Just Forms and ID Documents

KYC in Malta is often viewed as a paperwork exercise. A client is asked to provide an identity document, proof of address, company documents, a declaration form, and sometimes information about source of funds or source of wealth. From the...

Uncategorized By Cleven Damato

Why Malta Companies Should Take MBR Filing Deadlines Seriously

For many company owners in Malta, MBR filings are often seen as routine administration. The company is already incorporated, the business is operating, and the annual return or financial statements may feel like documents that simply need to be submitted...

Uncategorized By Cleven Damato

Audit Exemption in Malta: Less Paperwork Does Not Mean Less Responsibility

Audit exemption in Malta has become an important topic for small companies, startups, and owner-managed businesses. For many business owners, the word “audit” immediately brings to mind year-end pressure, document requests, reconciliations, missing invoices, and professional fees. So when rules...

19 Nov

Accounting By Cleven Damato

The Art of Making Boring Things Beautiful: What Audit Taught Us About Detail

Most people do not think of beauty when they think of audit work. Spreadsheets, reconciliations, financial statements, control testing, documentation. These are usually described as repetitive, technical, and sometimes even dull. Yet anyone who has spent enough time in the...

13 Nov

Business By Cleven Damato

Busy vs Productive: Why Many Companies Still Get It Wrong

In many workplaces today, being “busy” has become a kind of badge of honor. People rush from one task to another, reply to messages at all hours, and treat a packed schedule as a sign of success. It gives the...

07 Nov

Business By Cleven Damato

Malta Budget 2026: A Strategic Blueprint for Families, Business, Expats & Investment

Malta’s 2026 Budget marks an important step toward inclusive and innovation-driven growth. It combines social and economic measures designed to support households, reward businesses that invest in technology, and prepare the workforce for the challenges of a modern economy. Rather...

17 Jul

Accounting By Cleven Damato

Malta Abandons Golden Passport Scheme: A Historic Shift to Merit-Based Citizenship

Introduction: A Turning Point for Maltese Citizenship Malta has officially announced the end of its controversial golden passport scheme, a programme that allowed foreign nationals to acquire citizenship in exchange for substantial investments. This marks a historic shift in national...

16 Jul

Accounting By Cleven Damato

Exploring the Impact of AI in Financial Services under the EU AI Act

The Unstoppable Rise of Artificial Intelligence in Modern Industry Artificial Intelligence (AI) has quickly become a transformative force across global industries. Its progress has outpaced expectations, embedding itself deeply into everyday functions and critical business operations. With its expanding influence,...

15 Jul

Accounting By Cleven Damato

Financial Audits Malta: Ensuring Accuracy & Compliance

Financial Audits in Malta: How A4 Services Fuels Business Success In the intricate world of business today, financial audits in Malta are not merely a regulatory formality—they are essential for building credibility, promoting growth, and aiding strategic decision-making. Whether you’re a small...

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How Free AI Access Could Help Malta’s SMEs

KYC in Malta: Why It Is Becoming More Than Just Forms and ID Documents

Why Malta Companies Should Take MBR Filing Deadlines Seriously

Audit Exemption in Malta: Less Paperwork Does Not Mean Less Responsibility

The Art of Making Boring Things Beautiful: What Audit Taught Us About Detail

Busy vs Productive: Why Many Companies Still Get It Wrong

Malta Budget 2026: A Strategic Blueprint for Families, Business, Expats & Investment

Malta Abandons Golden Passport Scheme: A Historic Shift to Merit-Based Citizenship

Exploring the Impact of AI in Financial Services under the EU AI Act

Financial Audits Malta: Ensuring Accuracy & Compliance

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