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Trusted by 4,700+ regulatory and fintech professionals.
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How I Help
Regulatory strategy for industry, policy design for authorities, research for institutions and keynotes for international audiences.
Regulatory Strategy & Public Affairs
Regulatory guidance, public affairs support and go-to-market strategy for financial institutions and fintechs.
Learn more →Policy Design & Supervisory Innovation
SupTech strategy, market mapping and fintech policy design for policymakers, supervisory authorities and development banks.
Learn more →Speaking & Executive Education
Conference keynotes, executive courses and workshops on financial regulation and innovation.
Learn more →Research & Analysis
Research published in academic journals and institutional reports, plus weekly analysis for 4,700+ professionals.
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International Speaker
Keynotes, expert panels and executive education on financial regulation, AI in financial services and supervisory innovation.
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What people say
Trusted by Leaders Across the Industry
“Digitalisation and innovation are transforming the insurance value chain. Andres is one of the few European leaders that master both. If you want to navigate the challenges ahead, a good guide is indispensible. Calling on Andres is one of the best insurance policies you can subscribe to safely get through the transition.”
“I went on a really great journey with Andres building our insurtech and innovation toolbox from scratch. He came with openness and curiosity, and built on these foundations a unique profile, global but rooted in Europe. Thinking ahead 5 to 10 years is a particular skill -- also cutting through hype to what is or could be driving change. Highly recommended!”
“I highly recommend Andres Lehtmets for anyone needing open insurance advice. As an ex-regulator and industry expert he brings a multi-faceted approach which is extremely interesting and useful.”
“I believe the financial services of the future will be human-centric, open, cross-border and personalized. Getting there requires regulators and innovators to work together, not against each other. I bridge that gap.”
Andres Lehtmets
From the Blog
Latest Insights
October 2026
Brussels Is Speaking the Language of Business: What the 2026 State of the Union Means for Financial Services
Ursula von der Leyen's 2026 State of the Union speech sent a clear message to financial services: faster growth, less bureaucracy, and no retreat from European values. Here is what it means for banking, capital markets, insurance and digital finance, and what to watch next.
October 2026
What Is Meta's Muse? Why Kin Welcomes the AI Shopping Agent and Insurify Blocks It
Meta's Muse is a personal AI agent that can shop for home and auto insurance on a consumer's behalf. Insurify has blocked it; Kin has opened its doors to it. The split shows how differently insurance distribution will work five years from now.
October 2026
ACPR Bars Wakam From Writing New Business: Why It Matters for Embedded Insurance and InsurTech
On 25 September 2026 the French supervisor ACPR temporarily prohibited Wakam SA from underwriting new contracts and renewing existing ones, and opened proceedings that could lead to the withdrawal of its authorisations. Wakam is one of the carriers behind Europe's MGA, embedded and digital insurance models, which makes this a development worth following from an InsurTech perspective.
Common Questions
Questions & Answers
What does Andres Lehtmets Advisory do?
Andres Lehtmets Advisory is an independent advisory practice at the intersection of financial innovation and EU regulation. It offers regulatory strategy for financial institutions and fintechs, policy design for supervisory authorities and central banks, international speaking and executive education, and published research and weekly analysis for 4,700+ professionals.
What is Andres Lehtmets's background in financial regulation?
Andres Lehtmets has 15+ years in financial regulation. He spent over six years at EIOPA as Senior InsurTech Expert, leading the InsurTech Task Force and shaping EU policy on open insurance, AI governance and digital finance. He co-led the IAIS Open Insurance working group and built the EU Supervisory Digital Finance Academy, training 1,500+ supervisors. He currently serves as Research Analyst at the Cambridge Centre for Alternative Finance.