From the Blog
Articles & Insights
Analysis and commentary on financial innovation, regulation, AI, Open Finance, and SupTech.
22 September 2025 · 2 min read
Synthetic Data: Opportunities and Risks for Financial, Insurance, and Supervisory Innovation
Synthetic data offers big opportunities for finance, insurance, and supervisors but also raises risks in governance, fairness, and data protection.
22 September 2025 · 2 min read
How InsurTech Enables Financial Inclusion
Financial inclusion increasingly depends on the ability of financial services to reach underserved individuals and communities. Insurance plays a critical role in this process by providing protection against risks that can otherwise undermine economic stability. This blog draws on findings from the recent Alliance for Financial Inclusion (AFI) report on financial inclusion, which highlights how technology-driven innovations are shaping access, usage, and quality of financial services. InsurTech
22 September 2025 · 1 min read
What the EU Data Act and Vehicle Data Guidance Mean for Insurers, OEMs, and Insurance Innovators
The EU Data Act is now applicable, and the European Commission has released new guidance on vehicle data. The rules have direct implications for insurers, OEMs, suppliers, and service providers.
20 September 2025 · 4 min read
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 · 2 min read
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 · 2 min read
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 · 2 min read
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 · 1 min read
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 · 1 min read
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
15 June 2025 · 2 min read
Savings and Investment Union (SIU) and the Financial Data Access Regulation (FiDA)
Savings and Investment Union (SIU) and the Financial Data Access Regulation (FiDA)
12 May 2025 · 1 min read
Affirmative AI Liability Insurance
Armilla Insurance Services (Armilla), a Coverholder at Lloyd's, has announced the launch of its AI Liability Insurance policy. Underwritten by certain underwriters at Lloyd’s, including Chaucer, this policy provides affirmative coverage for AI-related risks. As stated in the press release, businesses are racing to deploy AI, but their risk management and insurance tools haven't kept pace. There is growing concern around “silent AI cover”—the uncertainty over whether existing policies will respo
11 May 2025 · 1 min read
Open Insurance Use Case: Insurance Wallet
Why is it still impossible to get an overview of my insurance situation? Why do I always have to dig through my mailbox to find it? I’m not even talking about anything complex—just a simple overview: - These are my policies - These are my insurers - These are the renewal dates That is all (for beginning). I have several policies: home, rental apartments, life, casco, MTPL, MTPL for my hobby car, travel insurance and purchase insurance linked to different cards, a separate policy for my bic