More time for your priorities
Our agents prepare audit workpapers, accounts, returns, contracts and insurance reports. Our professionals can focus more of the conversation on the findings, decisions and advice that matter to you.
Meet our
AI agent team.
Our specialist AI agents are integral members of the KMFINCO team, working alongside our professionals on audit plans, financial statements, tax returns, payroll, contracts and insurance reports. Together, we turn your records and questions into clear deliverables and personal advice.
- Specialist AI team members
- 5
- Connected practice areas
- 6
- Your KMFINCO relationship
- One team
- Judgement & approval
- Human
Five disciplines.
One connected team.
Find the specialist for the work you need: audit testing, accounts and forecasts, tax and payroll, contracts and company documents, or insurance reporting. Our professionals bring the disciplines together around your engagement.
1 / 5 Patrick · Audit, Assurance & Internal Controls
Audit, Assurance & Internal Controls
Patrick
KMFINCO AI team member
Patrick prepares audit plans, risk assessments, testing schedules and workpapers, helping KMFINCO's audit team review financial statements, document findings and follow up exceptions. His work supports clear audit priorities, traceable evidence and practical recommendations for your business.
- Audit planning
- Audit testing
- Audit workpapers
Accounting, Financial Reporting & Finance
Sofia
KMFINCO AI team member
Sofia turns financial records into reconciled books, financial statements, management accounts and forecasts. Working with KMFINCO's professionals, she helps you understand profitability, cash needs and performance through clear reporting, financial models and stronger finance controls.
- Financial statements
- Management accounts
- Cash-flow forecasts
Malta Tax, VAT & Payroll
Matthew
KMFINCO AI team member
Matthew prepares corporate and personal tax returns, VAT reconciliations, payroll and FSS schedules, refund and credit claims, transfer pricing documentation and MTCA response drafts. He works with KMFINCO's professionals to make calculations clear and supporting records ready for review.
- Tax returns
- VAT returns
- Payroll & FSS
Legal, Contracts & Corporate Compliance
Claire
KMFINCO AI team member
Claire drafts and reviews contracts, prepares legal and corporate documents, analyses Malta and EU law, and prepares MBR filings. Working alongside KMFINCO's professionals, she helps you manage agreements, company records and compliance with clear documents for professional approval.
- Contract drafting & review
- Legal analysis
- MBR filing preparation
Insurance, Solvency II & Regulatory Reporting
Emma
KMFINCO AI team member
Emma helps insurers prepare ORSA, SFCR, RSR and QRT reports, review capital and technical provisions, and strengthen governance and operational resilience. With KMFINCO's professionals, she turns complex insurance data into clear board papers, reporting reconciliations and supervisory evidence.
- ORSA preparation & review
- SFCR / RSR reporting
- QRT reconciliation
Our AI specialists and professionals work together as one integrated KMFINCO team. Our AI agents prepare, analyse and review the work. KMFINCO professionals oversee each engagement and approve the final deliverables. Meet the wider KMFINCO team
Better preparation.
A clearer conversation.
Evidence you can follow
Sources, assumptions and open questions stay with the work. Review starts with a clear trail from the underlying records to the proposed conclusion.
Advice that stays personal
Your KMFINCO relationship connects the right expertise around you. Our professionals bring context, judgement and accountability to the next step.
Professional expertise.
Enhanced by AI.
Clearer insight. Efficient delivery. Personal advice. Our professionals and AI specialists work as one team across audit, accounting, tax and advisory services. By streamlining routine work and bringing information together, we give more attention to the questions and decisions that matter to you.
The difference in practice
From the first set of records to the final advice, our approach brings professional expertise and AI-supported analysis together.
Quality & judgement
Advice grounded in a clearer view of your business.
- Traditional delivery
- Source review, calculations and cross-checks rely largely on manual preparation before professional review.
- The KMFINCO approach
- Our AI specialists help analyse records, check calculations and highlight inconsistencies. Our professionals assess the findings and turn them into advice relevant to your business.
Supporting evidence
Accounting experiment
An accounting experiment found higher transaction-classification accuracy when accountants worked with AI recommendations.
View the accounting studySpeed & turnaround
Move from information to insight sooner.
- Traditional delivery
- Preparing schedules and passing work between teams can lengthen the route to a completed report or return.
- The KMFINCO approach
- Our team can prepare related schedules, reconciliations and drafts in parallel, helping move your work towards review and completion with less repetitive effort.
Supporting evidence
Consulting experiment
A study of 758 BCG consultants found that AI assistance reduced the time needed to complete tasks within the tool’s capabilities.
View the consulting studyCost & value
Focus your budget on the work that matters.
- Traditional delivery
- A significant share of the engagement can be spent gathering information, reconciling records and preparing documents.
- The KMFINCO approach
- We reduce repetitive preparation so our professionals can spend more time on review, analysis and advice. The fee reflects the services and deliverables agreed with you.
Supporting evidence
Observed association
Fedyk and colleagues studied large US audit firms using pre-generative-AI data. Published 7 July 2022, the study associated a one-standard-deviation increase in AI workforce share over the prior three years with audit fees 0.9%, 1.5% and 2.1% lower one, two and three years later.
Read the audit study · Review of Accounting StudiesEvidence coverage
A broader view of your records.
- Traditional delivery
- Review often centres on selected records and individually performed checks.
- The KMFINCO approach
- Where suitable data and tools are available, our AI specialists help examine larger volumes of information and flag unusual items for our professionals to investigate.
Supporting evidence
Simulation · Synthetic data
BIS and the Bank of England’s Project Hertha used 1.8 million synthetic accounts and 308 million transactions. Published 5 June 2025, it found 12% more illicit accounts when payment-network analytics supplemented the comparison approach.
Read Project Hertha · BIS Innovation HubConsistency & traceability
Understand the reasoning behind the advice.
- Traditional delivery
- Supporting records, calculations and comments may be spread across separate files and correspondence.
- The KMFINCO approach
- We connect the documents, calculations and explanations behind the work, making it easier to understand the findings, follow decisions and revisit a conclusion.
Supporting evidence
Survey · Reported concerns
Datarails and Global Surveyz surveyed 270 US finance leaders in July 2026; published September 2026. 75% cited inability to audit or explain AI output as a barrier to trust.
Read the CFO survey · Datarails / Global SurveyzCapacity & specialist input
Specialist expertise, working together.
- Traditional delivery
- Bringing audit, finance, tax and legal work together takes time and coordination across specialist teams.
- The KMFINCO approach
- Our five AI specialists work alongside KMFINCO’s professionals across related disciplines, helping connect your accounts, tax, contracts and reporting within one engagement.
Supporting evidence
Accounting survey
An accounting survey linked greater reported AI use with more clients supported in a typical week.
View the accounting surveyYour team's time
Less administration for your team.
- Traditional delivery
- Separate information requests can leave your team answering similar questions and resending documents.
- The KMFINCO approach
- We bring related requests together, identify missing information early and keep the next steps clear, so your team can spend less time managing the process.
Supporting evidence
Workplace experiment
Dillon and colleagues studied randomized tool access across 66 firms and 7,137 knowledge workers over six months. In the trial’s second half, users among those given access spent two fewer hours on email each week. Accepted by American Economic Review: Insights; forthcoming at the review date.
Read Shifting Work Patterns with Generative AI · AEAConfidentiality & accountability
Confidence in how your work is handled.
- Traditional delivery
- Confidentiality, technical review and responsibility for the final work sit with the professional team.
- The KMFINCO approach
- Our AI specialists work within the engagement’s information-access arrangements. Your KMFINCO professionals review the conclusions and take responsibility for the advice and deliverables.
Supporting evidence
Survey · Reported concerns
In the same July 2026 survey of 270 US finance leaders, 49% cited data privacy concerns as a barrier to trust.
Read the CFO survey · Datarails / Global SurveyzWhat the studies show
Findings from external studies in consulting and accounting.
Consulting experiment25.1%Less time on consulting tasks758 consultants using GPT-4 on selected assignmentsOrganization Science · March 2026Measured on tasks within the AI tool’s capabilities.About this study
- Study & comparison
- 758 BCG consultants; GPT-4 access, with or without an overview, versus no AI access.
- Study dates
- June 2023
- Published
- 11 March 2026
- Findings
- Time reduction for suitable tasks. Human-graded scores rose 29.9% and 33.9% in the two AI groups.
No AI access 100
AI-assisted 74.9
Accounting experiment+17.5percentage pointsHigher classification accuracyAccountants classifying financial transactions with AI recommendationsAccounting study · April 2026An improvement of 17.5 percentage points on the task studied.About this study
- Study & comparison
- 99 accountants classified 43 transactions, with AI recommendations or manually.
- Study dates
- Experiment dates are not stated in the article’s main methods section.
- Published
- 16 April 2026
- Findings
- Accuracy improved; average total completion time did not change significantly.
Accounting survey19%More clients supported weeklyWeekly client support among accountantsAccounting study · April 2026Linked to greater reported AI use. This finding is observational.About this study
- Study & comparison
- Survey of 277 accountants; higher versus lower reported AI use.
- Study dates
- November 2024 and March 2025
- Published
- 16 April 2026
- Findings
- Each one-standard-deviation increase in reported AI use was associated with 19% more clients supported in a typical week. Total client rosters did not change significantly.
More value from every engagement.
Efficient preparation allows more of the engagement to focus on analysis, review and advice. We agree the services, deliverables and fee with you at the outset, taking account of the complexity of your work and the information available.
How efficiency can affect the overall cost
Illustrative example using hypothetical cost units, not a quotation or measured saving.
Traditional delivery: 100 cost units
60 preparation + 40 review
AI-assisted: 90 cost units
42 preparation + 40 review + 8 technology / controls
A 30% reduction in preparation cost produces a 10% reduction in total cost in this example. Another 10 units of rework would remove the saving.
Expertise at every stage.
Your KMFINCO professionals remain closely involved throughout the engagement. They bring technical expertise, challenge the analysis and shape the advice around your circumstances, with responsibility for the final conclusions and deliverables.
How we deliver and review our workSources and professional guidance
The featured studies examine different tasks, tools and settings. Their findings illustrate the potential of AI assistance; they are not forecasts of KMFINCO's performance, fees or delivery times. Each study panel sets out the comparison and its limitations.
Traditional delivery refers here to workflows based predominantly on manual preparation. Actual approaches vary between firms. A fair comparison considers the full scope of work, professional review, corrections, technology and information handling.
The following professional references address responsible AI use. They provide guidance and commentary, rather than evidence of performance benefits or an endorsement of KMFINCO.
- UK professional guidanceFRC: Generative and Agentic AI guidance · 30 March 2026
Risk management, professional judgement and accountability in audit. A UK reference, rather than a statement of Maltese engagement requirements.
- Malta professional commentaryMalta Institute of Accountants: Evolving Tools in the Accounting Profession · 25 September 2026
Commentary and a training announcement about practical AI use, governance and oversight.
Sources reviewed: .
Our expertise.
Connected to your work.
Start with the accounts, report, return, contract or review you need. We connect the relevant AI team members and professionals across KMFINCO's practice areas, with clear deliverables and review responsibilities.
Audit & Assurance
Audit plans, controls and substantive testing, financial statement review, workpapers and management letters.
Management Consulting
Internal control reviews, financial models, performance analysis and insurance risk, governance and reporting preparation.
Tax, Accounting & Payroll
Bookkeeping, financial statements, management accounts, tax computations and returns, VAT reconciliations and payroll.
Corporate & Fiduciary
Contract drafting and review, company records, board resolutions, ownership documentation and MBR filing preparation.
Investment & Family Office
Consolidated financial reporting, cash-flow forecasts, family governance documents and tax analysis. Regulated advice is separately scoped.
Global Mobility
Corporate and employment documents, Malta and EU legal analysis, personal tax returns and cross-border tax questions.
The right support.
Around your priorities.
We agree the work, responsibilities and specialist input before preparation starts. Your existing advisers and authorised decision-makers stay part of the conversation.
For businesses and finance teams
Bring audit readiness, financial statements, management accounts, tax returns, payroll and contract reviews together. We agree the deliverables with your team, whether you need recurring finance support or a defined reporting assignment.
Explore our expertiseFor families and international matters
Bring reporting, ownership, governance and mobility questions together. Our preparation supports coordination with the appropriate legal, tax, fiduciary and authorised investment specialists.
Explore our networkTechnology supports the work.
People remain accountable.
Our professionals verify the facts, calculations and conclusions behind each deliverable. Professional opinions, signed reports, filings and external actions follow the agreed approval process. The authorised professional and client retain their responsibilities, with regulated or reserved services scoped to the appropriate provider.
The values behind our workBring us the question.
We'll agree the next step.
Tell us which accounts, audit, tax return, payroll, contract or insurance report you need and your timetable. We'll agree the deliverables, fee and professional review. Share confidential records through the channel agreed with our team.