Articles & Insights

Analysis and commentary on insurance regulation, AI, Open Insurance, SupTech, and EU digital finance — from the InsurTech4Good weekly newsletter.

20 September 2025

Estonia’s Savings and Investments Account (Investeerimiskonto): A Blueprint for the EU’s Savings and Investments Union (SIU)

Estonia’s savings and investments account (investeerimiskonto) is a digital, tax-efficient way to invest in stocks, funds, crypto, crowdfunding and insurance, offering a model for the EU SIU strategy.

19 September 2025

Different Perspectives on FiDA and Open Finance from the Latest EUROFI Magazine

The latest EUROFI magazine offered diverse perspectives on Financial Data Access (FiDA) and Open Finance. While views differed, many highlighted FiDA’s potential to simplify processes, standardise data, and accelerate digitalisation across financial services.

19 September 2025

A Digital-First Approach Is Key to Scalable Pensions and to the PEPP Regulation / IORP II Directive Review

The push to create viable, scalable supplementary pensions is urgent — and must be digital-first. EIOPA’s advice on revising the IORP II Directive and PEPP Regulation highlights the need for intuitive onboarding, mobile access, and real-time support to boost uptake.

19 September 2025

Digital Fairness Act: Why It Matters for Financial and Insurance Services

The Digital Fairness Act could reshape how companies engage with consumers online, including in financial services and insurance. This post explains its background, key findings and why the sector should start preparing now.

19 September 2025

Public consultation on Digital Fairness Act

The public consultation on the forthcoming Digital Fairness Act has just been launched. At first glance, it might not seem directly relevant to your area but I strongly encourage you to take a closer look. The core problems being addressed include: * Lack of digital fairness for consumers, especially vulnerable groups such as minors - leading to poor decision-making, financial harm, time loss, health risks, and even environmental costs. * Unclear rules for businesses and market fragmentatio

10 September 2025

State of the Union 2025: What It Means for Insurance, Finance and Innovation

President von der Leyen just delivered the 2025 State of the Union. The speech was heavy on geopolitics, but there are important signals for financial services, insurance and innovation. Competitiveness & markets * A Single Market Roadmap to 2028 and a “28th Regime” aim to cut fragmentation and make cross-border activity easier. * Work is being accelerated on the Savings and Investments Union. * The European Innovation Act and Industrial Accelerator Act are designed to strengthen Europe’s