Fractional AI-First CTO — Confidential Proposal
Prepared for Quazar

Quazar's AI journey deserves a strategic partner, not another SaaS subscription.

This proposal sets out how Neural AI Ltd will act as Quazar's embedded Fractional AI-First CTO — scoping workflows, building intelligent automation, standardising your team on M365 Copilot, and delivering a strategic roadmap that keeps AI ROI at the centre of every decision.

Prepared for
Quazar
Prepared by
Neural AI Ltd
Date
May 2026
Validity
30 days
Reference
NAI-2026-FRACTO-QZR-001

One strategic partner. One coherent AI programme. One clear direction.

Quazar has already started exploring AI — Fyxer for email intelligence, Lyft for Xero automation, various SaaS form tools, and Monday.com workflows under consideration. The instinct is right. The challenge is that these tools are being adopted individually, by different people, without a shared standard, a governance framework, or a strategic roadmap tying them together.

The result is what every fast-moving professional services firm eventually faces: a fragmented tech stack that creates more coordination overhead than it saves, data scattered across platforms that don't speak to each other, and a team that's enthusiastic about AI but unsure what to adopt next or why.

Neural AI proposes to step in as Quazar's Fractional AI-First CTO. We will scope your workflows, identify where AI creates the most leverage, build and deploy automation agents, consolidate your tooling under Microsoft 365 Copilot, train your team, and meet with you consistently to measure what's working and build on it. The result is a firm that moves faster, operates more securely, and can demonstrate a clear return on every AI investment made.

ROI-first
Every automation scoped against measurable business outcomes
M365
Single AI platform — standardise the whole team under Copilot
Secure
Governance and data protection built in from day one, not bolted on
Strategic
A living AI roadmap that evolves with your business

A specialist team of 15, focused entirely on AI that ships.

Neural AI Ltd is Malta's specialist AI engineering and consultancy firm. We build intelligent automation, AI agents, and data-driven systems — entirely focused on delivering working solutions in production, not proof-of-concept decks.

We are a team of 15 AI engineers, automation specialists, data scientists, and strategic consultants — all focused on one thing: building AI that creates a measurable impact on how businesses operate. Our capabilities span the full AI stack: generative AI and large language model integration, intelligent process automation, computer vision, business intelligence, and enterprise AI integration.

Our core delivery platform is Microsoft 365 — specifically Copilot, Copilot Studio, Power Automate, and Azure AI. This means every system we build sits within the same secure, governed environment your team already uses, with no new platforms to manage or data leaving your Microsoft tenant.

Neural AI is proud to form part of the BORN Group of companies — a collective of specialist technology businesses covering the full stack from managed cloud infrastructure to digital engineering and AI. For Quazar, this means you have access to the wider group's expertise whenever the programme calls for it.

Our Fractional AI-First CTO model gives you the strategic AI leadership of a senior hire — at a fraction of the cost, with full flexibility to scale up or down as your programme matures.
Part of the BORN Group of Companies
Born Digital Born Digital
Born Digital
Product-driven digital engineering. Websites, platforms, eCommerce, and integrated systems — delivered worldwide from Malta.
born.mt →
Veracloud Veracloud
Veracloud
Managed IT and cloud solutions. Microsoft 365 specialists, Azure infrastructure, and "Secure by Design" for enterprises across Malta and Cyprus.
veracloud.eu →
15
Specialists — AI engineers, automation builders, data scientists & strategists
M365
Microsoft-aligned delivery across Copilot, Power Automate & Azure AI
End-to-end
Strategy, architecture, build, training & ongoing support
BORN Group
Full-stack technology support across AI, cloud & digital engineering

What's actually holding Quazar back from AI that works.

Quazar is not starting from zero — the appetite for AI is there and tools are already being used. But the pattern we see is one that affects every fast-growth professional services firm: adoption without architecture. Here's the specific friction we're here to solve.

Fragmented tools, no shared standard.

Different team members are using Fyxer, Lyft (Xero automation), various online SaaS forms, and now exploring Monday.com — but each tool operates in isolation. There's no single source of truth, no agreed workflow, and no consistency in how AI is being used across the firm. What should be a competitive advantage is instead a coordination overhead.

AI adoption is individual, not organisational.

The firm's AI usage is driven by individuals exploring tools on their own, rather than by a coherent strategy. This means the firm as a whole isn't benefiting from AI in the way it could — productivity gains are siloed, best practices aren't shared, and new joiners have no AI playbook to follow.

Data governance gaps across multiple platforms.

Using several third-party AI SaaS tools means client data — sensitive financial records, corporate documents, personal information — is passing through multiple external platforms, each with its own data handling policies. In a regulated professional services environment, this creates real compliance and reputational exposure that needs to be addressed before it becomes a liability.

No strategic direction for AI investment.

Without a roadmap, every new AI tool is a reactive decision made in isolation. There's no prioritisation framework, no ROI tracking, and no way to know whether the next investment is the right one. The firm risks spending on tools that duplicate each other, miss higher-value opportunities, or don't compound over time into a genuine competitive advantage.

M365 Copilot potential left on the table.

Most organisations already paying for Microsoft 365 are dramatically under-utilising Copilot — the AI layer built directly into the tools the team already uses. Rather than adding more SaaS subscriptions, the biggest immediate productivity win is typically activating and deploying what's already licensed, standardising workflows, and ensuring every team member knows how to use it effectively.

No visibility on what AI is actually delivering.

Without measurement, it's impossible to know which automations are saving the most time, which tools are being adopted, or where the next highest-value opportunity lies. ROI tracking, usage reporting, and outcome measurement need to be built into the programme from the start — not treated as an afterthought.

The underlying opportunity is the same across all of these. Quazar has already invested in the right instincts. What's missing is architecture, governance, and a strategic partner who can turn those instincts into a coherent, compounding AI programme. That's exactly what this engagement delivers.

The Fractional AI-First CTO model. Five pillars. One outcome.

Acting as your embedded AI leadership, we work across five pillars to take Quazar from fragmented AI experimentation to a standardised, governed, ROI-driven programme that compounds in value over time.

Neural AI — Fractional AI-First CTO Wrapper

Discovery · Strategy · Build · Training · Continuous Improvement

Everything inside this engagement is owned, sequenced, and delivered by Neural AI. One accountable partner from kickoff to ongoing optimisation.

Pillar 01
Discover & Scope
Workflow mapping, opportunity identification, AI readiness audit
Pillar 02
Strategise & Roadmap
Prioritised AI roadmap, ROI modelling, tool consolidation plan
Pillar 03
Build & Deploy
Automation agents, Copilot configuration, integrations
Pillar 04
Train & Embed
Team workshops, adoption playbooks, role-specific Copilot guides
Pillar 05
Review & Optimise
Monthly check-ins, usage analytics, feedback loops, new agent scoping
Foundation
Governance & Security
Data policies, M365 compliance, AI use standards across the firm
Microsoft 365 Copilot — Unified AI Platform Outlook · Teams · Word · Excel · SharePoint · Power Automate · Copilot Studio · Azure AI Foundry
Pillar 01

Discovery & Workflow Scoping

We start by understanding how Quazar actually operates before recommending any technology. This means structured sessions with leadership and each practice area to map current workflows, identify manual bottlenecks, and surface where AI creates genuine leverage.

  • Structured workflow mapping sessions per practice area (company formation, accounts, tax, payroll, advisory)
  • AI readiness audit — current tools, data sources, integration landscape
  • Opportunity scoring against effort, ROI potential, and implementation risk
  • Consolidation analysis: which existing tools overlap, which should be replaced by M365 Copilot
  • Stakeholder interviews and team surveys to understand current AI sentiment and pain points
Discovery typically takes 2–4 weeks depending on the package. It produces a detailed findings report and forms the foundation of the AI roadmap.
Pillar 02

Strategic AI Roadmap

Based on discovery findings, we deliver a prioritised AI roadmap that sequences automation initiatives by business impact and implementation complexity. This is a living document — reviewed and updated at every monthly check-in.

  • 12-month AI roadmap with sequenced initiatives and estimated ROI per automation
  • Tool consolidation plan: phased migration away from fragmented SaaS towards unified M365 Copilot
  • Governance framework: acceptable use policy, data classification, vendor assessment criteria
  • M365 Copilot deployment plan — licensing, configuration, and rollout sequence
  • Success metrics and KPI framework for each automation initiative
The roadmap is delivered as a structured document and presented to leadership. It becomes the governing document for the entire programme.
Pillar 03

Build & Deploy Automation Agents

We design and build intelligent automation agents tailored to Quazar's specific workflows, using Microsoft Power Automate and Copilot Studio as the primary delivery platform — keeping everything within your existing M365 environment. Initial agents in scope include:

  • Client onboarding agent — automated KYC document collection, status tracking, and compliance checklist management
  • Email & comms agent — smart email drafting, follow-up reminders, and inbox triage via Copilot
  • Additional agents as identified in the roadmap and requested by the team
Power Automate Copilot Studio M365 Copilot Xero API SharePoint Azure AI Teams
Human in the loop, always. Every automation we build keeps a human in the approval chain for decisions that matter. AI drafts, suggests, and surfaces — people decide.
Pillar 04

Team Training & Adoption

The best automation in the world fails if the team doesn't use it. We build adoption into every deployment — not as an afterthought, but as a core deliverable alongside the technology.

  • Role-specific M365 Copilot workshops (accounting team, admin team, advisory team, management)
  • Practical hands-on sessions — not slides, but working through real Quazar workflows in Copilot
  • AI usage playbook per role: prompting guides, approved use cases, escalation paths
  • Change management support — addressing concerns, building confidence, embedding new habits
  • Manager-level AI leadership coaching — how to direct, evaluate, and expand AI usage in teams
Training is delivered in cohorts aligned to the deployment of each automation. Team members learn on the live system, not a demo environment.
Pillar 05

Monthly Check-ins & Continuous Improvement

AI programmes that don't have a review cadence stop compounding. Our monthly check-ins keep the programme on track, surface new opportunities, and ensure the roadmap stays aligned with where Quazar is headed.

  • Monthly steering session with leadership — progress against roadmap, next initiatives
  • Usage analytics review — Copilot adoption rates, automation performance, time saved metrics
  • User feedback collection and rapid iteration on deployed agents
  • New opportunity identification — as workflows evolve, new automation candidates are surfaced
  • Quarterly strategic review — roadmap refresh, ROI report, forward planning
This pillar is what turns a project into a programme. The value compounds with every cycle.

From fragmented tools to a unified AI programme — in four phases.

The journey is structured to deliver quick wins early while building the foundations for long-term compounding value. Discovery and strategy happen first, followed by deployment, training, and a continuous optimisation cycle.

Phase What happens Timeline
Phase 1
Discovery & Audit
Workflow mapping sessions across all practice areas, AI readiness audit, current tooling inventory, opportunity scoring, stakeholder interviews. Output: detailed findings report. Weeks 1–3
Phase 2
Strategy & Roadmap
AI roadmap creation, tool consolidation plan, M365 Copilot deployment plan, governance framework, KPI framework. Presented and approved with leadership. Weeks 3–5
Phase 3
Build & Deploy
Copilot configuration and rollout, first automation agents built and deployed in production. UAT with team, iterative refinement. First cohort training delivered in parallel with go-live. Weeks 4 onwards (ongoing)
Phase 4
Train & Embed
Role-specific Copilot workshops, AI usage playbook delivery, manager coaching. Run in cohorts aligned to each new agent deployment. Aligned to each deployment
Ongoing
Review & Optimise
Monthly check-ins, usage analytics, feedback loops, new agent scoping, quarterly strategic reviews and roadmap refresh. This is the maintenance phase — sustained value, not one-and-done delivery. Monthly — indefinitely

ROI-first and secure by design. Not a trade-off.

Professional services firms carry sensitive client data — financial records, personal identification, corporate filings. AI that doesn't take data governance seriously is a liability. We build security and compliance into every automation we deliver, not as an afterthought, but as a first principle.

Data Sovereignty & M365 Compliance

By standardising on Microsoft 365, Quazar's data stays within a GDPR-compliant, enterprise-grade environment. No client data needs to pass through unvetted third-party AI tools. Microsoft's EU Data Boundary commitments apply.

AI Acceptable Use Policy

We deliver a tailored AI Acceptable Use Policy for Quazar — defining which AI tools are approved, how client data may be processed, what must never be entered into AI systems, and how staff should handle AI-generated outputs.

Data Classification Framework

We implement a data classification taxonomy aligned to Quazar's sensitivity levels — public, internal, confidential, restricted. AI workflows are configured to respect these classifications and prevent sensitive data from flowing to inappropriate destinations.

Tool Vendor Assessment

Before any new AI tool is added to the approved stack, we assess it against a standard security checklist: data retention policies, GDPR compliance, sub-processor agreements, and SOC 2 or equivalent certification. New SaaS tools don't get approved by default — they get assessed.

AI Output Audit Trail

Every automated action maintains an audit log: what the AI did, when, on whose instruction, and what human approved the output. This is essential for regulated professional services and supports both internal oversight and external regulatory enquiries.

ROI Measurement Framework

We track time saved per automation, adoption rates per team member, and cost-per-task before and after AI implementation. Every quarterly review includes an ROI report that quantifies the return on the engagement — so the value of the programme is never a guess.

We don't treat governance as a compliance checkbox. In professional services, where client trust is the core asset, how you handle data is part of the product. Our approach ensures that AI accelerates Quazar's work without creating new risks — and that the firm can demonstrate to clients and regulators that AI is being used responsibly.

Three ways to engage. All designed for a clear return.

All packages are structured in two phases: an active Implementation Period where we are building and deploying at pace, followed by a lower-intensity Support & Maintenance phase once the initial agent library is in production. All figures EUR ex VAT.

How the pricing works

Implementation builds the agents. Maintenance keeps them running and finds what's next.

During the Implementation Period, we are actively scoping, building, and deploying automation agents alongside delivering strategy, training, and governance frameworks. Once the core agent library is live and the team is operating confidently, the engagement transitions to a lighter Maintenance & Optimisation phase — monthly check-ins, agent tuning, and scoping the next wave of improvements. The transition timing is agreed jointly based on programme progress.

Choose your engagement tier

Fastest

50/hr
Implementation rate · 80 hrs/month
€4,000 / month during implementation
Maintenance: €60/hr · 10 hrs/month = €600/month
Estimated: 1–2 agents per month

Middle Ground

55/hr
Implementation rate · 50 hrs/month
€2,750 / month during implementation
Maintenance: €60/hr · 10 hrs/month = €600/month
Estimated: 1 agent every 6 weeks

Slowest

60/hr
Implementation rate · 20 hrs/month
€1,200 / month during implementation
Maintenance: €60/hr · 10 hrs/month = €600/month
Estimated: 1 agent per quarter
Notes: All figures exclude Maltese VAT where applicable. Microsoft 365 Copilot licensing (where not already in place) and any third-party platform subscriptions are billed directly by their respective providers and are not included in the figures above. Unused hours within a month do not carry forward. A minimum 3-month commitment applies on any tier to allow the discovery and strategy phases to deliver meaningful results. Agent estimates are indicative and depend on scope and complexity.

What needs to be in place for this to deliver at pace.

The fine print, in plain language.

Proposal Validity

30 days from the date of issue. Pricing and availability are subject to confirmation after this period.

Minimum Commitment

3 months minimum on any tier. The discovery and strategy phases alone require this to deliver meaningful output before build begins.

Billing

Monthly in advance, based on the agreed monthly hour allocation. Invoiced on the 1st of each month. Hours are use-it-or-lose-it within the billing month.

Phase Transition

The move from Implementation to Maintenance rate is agreed jointly in writing, based on programme milestones. Neither party can unilaterally declare the implementation phase complete.

Change Requests

Scope changes and additional work requests are scoped, quoted, and agreed before any work commences. No surprises on the invoice.

Data Ownership

Quazar owns all data, trained models, automation configurations, and generated artefacts. Neural AI holds no IP claim on work built for and within Quazar's systems.

Confidentiality

Both parties operate under mutual NDA. All client data, business information, and programme details are treated as strictly confidential.

Out-of-Hours Support

Standard availability Mon–Fri 08:00–17:00 Malta time. Urgent out-of-hours support available at 1.5× rate; weekends and public holidays at 2×.

Ready when you are.

One engagement, one accountable partner, one point of contact. Reach out directly once you've had a chance to read through — we're happy to answer any questions before you commit to anything.

Matthew Galea
Managing Director · Neural AI Ltd
Group born.mt

Neural AI is part of the BORN Group of companies, alongside Born Digital and Veracloud. Together, the group covers the full technology stack from managed cloud infrastructure to digital engineering and AI — giving Quazar access to a complete technology partnership under a single trusted relationship.

This proposal is confidential and prepared solely for Quazar. It should not be reproduced or shared with third parties without the written consent of Neural AI Ltd.

Neural AI Born Digital Veracloud