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Trusted by 4,600+ 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 4,600+ 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
April 2026
Everybody Talks Revolut's AI. Nobody Talks Insurance.
Revolut's PRAGMA foundation model, built with NVIDIA on 24 billion banking events, is an insurance story as much as a banking one. The debate for our industry is no longer about which LLM to pick. It is about who has access to the customer's real financial life.
April 2026
The Financial Companion You Don't Have Yet
Why the future of financial services needs a sherpa, not a product catalogue Most people think a sherpa is a guide who takes you to the top of the mountain. That is only part of the story. The Sherpa people live in the Himalayan mountains, but in the Western world they are best known as expedition companions, which is why the ethnic name is so often used as a job title. A team of high-altitude sherpas includes at least six distinct roles. The sirdar coordinates the entire operation. The route-
April 2026
EIOPA's Third IDD Report: What It Tells Us About Digital Distribution and AI
EIOPA just published its Third Report on the application of the Insurance Distribution Directive (IDD). It covers a lot of ground: market structure, cross-border activity, advice quality, sustainability disclosures and inducements. But the section on digitalisation and AI in insurance distribution is where things get most interesting. The headline finding? Digital distribution in insurance is progressing slowly. Digital tools are mostly used for internal efficiency, not customer-facing distribu
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 4,600+ 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.