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Business Risk
Grant Thornton Gibraltar’s Business Risk Services team brings together a group of specialists with an unrivalled depth of industry experience. Our solutions support clients in growing and protecting the inherent value of their businesses with practical risk management systems.
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Consulting
Our solutions focused team guarantees quick turnarounds, and with lower partner to staff ratio than most we can provide bespoke offerings tailored to your unique needs.
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Deal Advisory
Our experienced Deal Advisory team has provided a range of transaction, valuation, deal advisory and restructuring services to clients for the past two decades.
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Financial Accounting and Advisory Services (FAAS)
Our team of experts here at Grant Thornton is committed to providing best-in-class solutions to help our clients effectively overcome the hurdles associated with complex regulatory compliance requirements, especially when entering new markets.
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Fintech
Grant Thornton’s cross-functional, dynamic team of specialists can help with your FinTech needs. Whether in supporting existing market participants looking to innovate in products and services, or new entrants seeking to upscale their FinTech businesses within the complex financial services environment, we have the solution for you.
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Forensic Accounting
Organisations may undergo some type of dispute or internal investigation during their lifetime. Our Forensic and Investigation Services team can seek evidence that can make the difference between finding the truth or being left in the dark.
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Insolvency
At Grant Thornton we offer solutions for all insolvency matters. We have a team of experts who deliver innovative and practical solutions and who have assisted a range of organisations and individuals return to prosperity.
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Restructuring
Grant Thornton is a leading provider of insolvency and corporate recovery solutions.
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Risk Advisory
Our Risk Advisory team delivers innovative solutions and strategic insights for the Financial Services sector, addressing disruptive forces, regulatory changes, and emerging trends to enhance risk management and foster competitive advantage.
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Sustainability Advisory
Our Sustainability Advisory team works with clients to accelerate their sustainability journey through innovative and pragmatic solutions.
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Accountancy Services
The Accountancy function is critical to any modern business. Our team of qualified accounting professionals at Grant Thornton Gibraltar can draw on their depth of experience and knowledge to ensure your accounts are expertly prepared to meet with all local and international standards.
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Audit & Assurance
Grant Thornton is bringing a fresh approach to the audit process in Gibraltar by combining leading-edge technologies with a highly qualified team of audit professionals, all of whom are experts in key sectors of Gibraltar’s economy, and particularly in dealing with regulated entities.
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Company Tax
Our highly qualified and experienced team of tax professionals works closely with our clients to gain a deep understanding of their specific needs in order to ensure they are compliant in every aspect of their corporation tax requirements.
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Employment and Payroll Services
Here at Grant Thornton, we can minimise the hassles associated with the HR function for companies in Gibraltar. By taking care of all your company’s Employment, Payroll and associated requirements to the highest standards, you can focus on what you do best with the peace of mind that your local compliance needs are being taken care of by professionals.
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Global mobility Services
Our team of experts here at Grant Thornton provides a full range of professional services and advice to employers. Whether you require assistance in performing employment tax compliance reviews, or your business demands bespoke global mobility strategies tailored to your specific needs, we work closely with employers at every stage of the staff lifecycle thereby ensuring that all decisions are made giving consideration to both compliance and tax efficiency.
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International Tax
In a world where disaggregating a company’s tax and operational presences is increasingly challenging, Grant Thornton’s approach to managing your international tax obligations can add value to your business.
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Personal Tax Advisory
Our team of personal tax advisors have an unrivalled depth of knowledge and expertise in handling all your compliance requirements in a professional manner. Whether you need assistance with your CAT 2 status application as a High Net Worth Individual, or more general day-to-day tax preparation services and advice, we are here to help.
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Private Client
Grant Thornton’s experienced team of specialists can help to steer you successfully through a range of tax-related challenges. Whether you are establishing a business in Gibraltar, moving to or from the jurisdiction, transferring wealth, or need help with residence and domicile issues, we offer advice that can help you minimise the burden that taxes may have upon your personal wealth.
The Financial Services industry today sits at an unprecedented crossroads. While firms consider the adoption and integration of new technologies, they also provide the opportunity to re-examine critical areas such as product design, service delivery and customer engagement. For many traditional finance firms, now is the time to revisit models which may no longer be as sustainable in this new digital era.
Through technological advancements such as smartphones, wearables, chatbots, and blockchain, new opportunities to change the business model are emerging, helping to shift the sector towards providing a more consumer-friendly service, with personalised products, more cost-effective operating models and better data analytics.
The exciting opportunities that Financial Service providers now have to tailor their value offering can offer them a competitive edge, ultimately integrating these improvements across the board, while building their corporate identity, aligning their branding and product offerings to their corporate culture.
The entry of Big Tech players in the Financial Services sector has brought dramatic changes to the eco-system, bringing challenges to those firms wishing to operate in a safe, well-regulated financial services market. As firms scale and engage with an increasing number of industry stakeholders the resulting complexity can challenge the firm’s culture and ethos.
Some of the existing business and operating models, along with products and service design and human capital implications currently being assessed include:
Many new business models are emerging from these cutting-edge technologies, suggesting a bright and dynamic future ahead for the Financial Services industry. However it is vital for executives to stay on top of these developments, in order to better understand their capabilities and to consider how they can be implemented in their organisations in line with the firm’s own risk appetite.
FS companies must employ innovative and technological developments which focus on delivering a deeper customer understanding and the experience necessary to acquire, engage and retain customers in a digital world. Rather than focussing on penalising customers, successful models will focus on transparency, empowerment and rewarding customers to provide enhanced UX and UI experiences thereby minimising risk of disengagement.
As with all emerging technologies, innovative products and services are not without their risks. This may include the compounding of existing risks that the firms already face, but it also includes new and emerging risks. In implementing any material business change, firms will need to ensure that their risk appetite and frameworks are considered advisedly.
Such new technologies allow companies to leverage data and insights in an increasingly seamless manner. The ability to provide a transformative experience by leveraging such enhanced data sets will permit Financial Services providers to tailor their offering to a customer’s wants, needs and desires. It is vital that firms have appropriate data strategies and the right processes around these strategies to benefit from these new capabilities in the future.
The increasing costs of performing manual tasks is being driven down by the implementation of RPA. Such technology can also free up individuals to focus more on value-add support in the back and middle office operations. It is critical that companies identify the optimal locations to utilise these techniques in the most effective and efficient manner.
The implementation of ML & AI in any company’s operations offers benefits across the company by ensuring uptime for customers 24/7 and the reduction of manual tasks. They can also provide deeper understanding of behaviours and root-causes of issues, thereby offering increased productivity. Firms should consider a roadmap for the identification of use-cases and testing, and for the implementation and enhancement of the technology over the longer term.
DLTs and Blockchain are increasingly coming into focus with a growing number of use cases, particularly those with an emphasis on resolution of cross-industry challenges. In order to effectively inform their own strategies, firms should consider participation in or co-ordination with relevant industry use cases, thus ensuring that they properly understand the benefits, pitfalls and outcomes of the technologies.
Why Grant Thornton?
Grant Thornton’s cross-functional, dynamic team of specialists can help with your FinTech needs. Whether in supporting existing market participants looking to innovate in products and services, or new entrants seeking to upscale their FinTech businesses within the complex financial services environment, we have the solution for you.
To best leverage these exciting new opportunities effectively, it is important that the firm takes a strategic, risk-based, and informed approach to identifying the best opportunities for its business and customer base.