Financial innovation and regulation
Regulatory strategy and public affairs for banks, insurers and fintechs. Policy design and SupTech for supervisors, directly or in projects funded by development banks. Training for both.
Experience withEIOPAIAISMinistry of Finance of EstoniaEuropean CommissionEBRDCambridge Centre for Alternative Finance
For banks, insurers, reinsurers and fintechs
How supervisors will apply new EU rules, and what that means for your strategy, products and business. Help with consultation responses and input to policymakers, and briefings for your board. On a monthly retainer, or as a single piece of work.
For example: Savings and Investments Union, FiDA, Digital Fairness Act, AI Act
See the offerFor supervisors, central banks and ministries, also in development bank projects
SupTech diagnostics and roadmaps for supervisors. Policy options and draft rules for digital finance, including EU alignment for candidate countries, and innovation facilitation.
For example: open finance, AI, fintech, insurance distribution, innovation hubs and sandboxes
See the offerFor supervisors, firms, associations and event organisers
Design and delivery of training programmes, keynotes at international conferences and closed webinars, and study visits to e-Estonia.
For example: EU financial innovation policy, supervision and SupTech, agentic AI in financial advice, open finance, Digital Fairness Act
See the offerEvery new rule goes through the same stages. The earlier you know, the more you can do.
Work programmes, calls for evidence, consultations
Know early what is coming and what it could mean for you.
Have a sayCommission proposal, Parliament and Council
Make your case: positioning and input to policymakers.
Have a sayTechnical standards and guidelines still to come
Work out what it means for you, and shape the details in the supervisors' consultations.
Have a sayGet readyImplementation and supervision
Get your teams and processes ready for supervision.
Get readyWith supervisors, directly or as an expert on development bank projects, I start from where you are today and work out the roadmap to where you want to be: see how a supervision project runs.
An EBRD-funded project for the insurance supervisor SEDDK: a digital maturity diagnostic, SupTech use cases and a roadmap.
Read the caseDesigned the insurance module of the Cambridge Centre for Alternative Finance's course for supervisors, and mentors its participants.
About the courseFor France Assureurs, the French Insurance Federation, to see how Estonia's digital state and financial sector work.
Read the caseFollowing the Savings and Investments Union and the EU's new digital rules, and what they mean for the business.
Read the case“Digitalisation and innovation are transforming the insurance value chain. Being successful in this transition, either as a regulator or as an insurance professional requires a profound understanding of both insurance and digital technologies. Andres is one of the few European leaders that master both.”
Peter Kerstens, Adviser, European Commission
“He has a unique talent for taking high-level concepts and grounding them in practical, forward-thinking solutions.”
Nolwazi Hlophe, Senior Specialist: Fintech, Financial Sector Conduct Authority, South Africa
“He came with openness and curiosity, and built on these foundations a unique profile, global but rooted in Europe, and with a strong interest in real outcomes for consumers.”
Tim Shakesby, Head of Digital Finance, EIOPA
“His broad knowledge of business models, initiatives, and industry lessons, combined with his wide network and insightful newsletters, makes him an inspiring professional to collaborate with.”
Mihkel Mandre, Founder and CEO, Lyfery
“As an ex-regulator and industry expert he brings a multi-faceted approach which is extremely interesting and useful.”
Marie Walker, Data sharing ecosystems consultant
“His clear communication style, depth of expertise, and engaging delivery made him a highlight of the program.”
Helen Hu, Head of Production and Insurance Research, Digital Insurance
“His lecture was interactive and engaging, encouraging participants to think beyond compliance and explore the potential business opportunities of open finance.”
Sergiu Cone, Owner, Banking 4.0
“His sessions were clear, insightful, and engaging, helping participants connect regulatory requirements with practical applications in the insurance sector.”
Klime Poposki, PhD, Professor, EERIA Insurance Summer School
Now in focus: the Digital Fairness Act
The Commission proposed the EU's next consumer law on 11 November 2026. It is horizontal, so it reaches the whole financial sector. I help you stay on top of it, and I am preparing a white paper on what it means for banks, insurers and payment providers.
Read the blacklist of 62 practicesSee it on the regulation trackerThe week in financial innovation and regulation: key points first, then what they mean for supervisors and financial firms. Free, once a week.
Read by 5,200+ professionals at EIOPA, the European Commission, national supervisors, the World Bank, the OECD, the IAIS, AXA, Allianz, Zurich, Swiss Re, Generali, PwC, Deloitte, EY, KPMG and many more.
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I have worked in financial regulation for 15 years, most of them on the regulator's side: at Estonia's Ministry of Finance, at EIOPA and in the IAIS FinTech Forum. Having written rules and worked on their supervision, I know how both sides think, and I bring that to each of them. Firms get a forward-looking view of where the rules are heading and what that means for their strategy and products. Supervisors and policymakers get help writing rules for new technology, and the SupTech tools and skills to supervise it.
I have built a trusted network of experts around the world. For larger projects I design the team around your needs and stay responsible for the result.
More about Andres
A 20-minute call is usually enough to see whether I can help, and if I can't, who could.
Book a 20-minute callOr write to andres@andreslehtmets.com