Gaby Zammit
Gaby Zammit is a managing associate within the FinTech team.
Gaby is a Managing Associate at WH Partners within the FinTech team. She joined WH Partners in 2017 after spending several years at one of the big four audit firms advising both local and international corporate clients on company law, the regulation and licensing of investment funds, and on financial services matters generally. Prior to KPMG Gaby spent five years at one of the leading law firms in Malta which provided the foundation which shaped her career. Gaby also spent a stint with a boutique law firm in London specializing in telecoms and technology law.
Gaby advises a wide range of market players including fintech companies, and other financial institutions on matters involving the regulation of markets, as well as related compliance matters. Her career path yielded crucial experience in assisting clients in licensing electronic money institutions and payment institutions, crypto service providers, collective investment funds and investment firms, corporate and commercial matters, particularly corporate governance, merger and acquisitions and general company law.
Gaby Zammit specialises in
FinTech (primarily EMIs, payment institutions, crypto service providers)
Investment Services and Funds
Corporate and Commercial
Corporate Governance
Career Highlights
Rankings
Latest Contributions
EU Reaches Compromise on PSD3 and PSR: Tighter Harmonisation, Crypto Rules and Stronger Consumer Transparency
The package centres on the proposed PSD3, which is intended to repeal and replace the current Payment Services Directive (PSD2), together with linked adjustments to PSR provisions. It moves many conduct-of-business rules into a directly applicable Regulation, aligns…
Tokenised Fund Units as Collateral Goes Digital
The MFSA delves into the benefits of incorporating tokenised fund units as collateral. Operational efficiencies are among the primary benefits, as the settlement and transfer of tokenised assets can be completed near-instantaneously,…
New Deadline Looms After EBA Publishes New Opinion Following No-Action Letter
The opinion clarifies the way forward as follows: CASPs that have obtained dual authorisation (CASP/PSP) will be able to continue offering all services for which they are authorised, including the custody and/or…
Demystifying ESMA’s latest MiCA Q&As: Clarification or reinterpretation?
These Q&As go beyond mere clarification. They show how ESMA and national competent authorities (“NCAs”) intend to apply MiCA in practice, shaping the authorisation, supervision, and day-to-day compliance expectations for Crypto-Asset Service…