https://andreslehtmets.com/ Articles and the weekly newsletter by Andres Lehtmets on EU financial regulation, digital finance, AI and SupTech. en https://andreslehtmets.com/blog/lemonade-agentic-insurance-built-for-ai-agents/ https://andreslehtmets.com/blog/lemonade-agentic-insurance-built-for-ai-agents/ Mon, 19 Oct 2026 07:00:00 GMT Article andres@andreslehtmets.com (Andres Lehtmets) Lemonade has announced Lemonade Agentic, an experience designed exclusively for consumers' personal AI agents. Instead of letting agents browse its website, Lemonade lets them buy, change and claim directly inside its systems. Here is what it is, how it differs from Kin and Insurify, and the regulatory questions it raises in Europe. https://andreslehtmets.com/newsletter/48-kin-lets-metas-ai-agent-shop-for-insurance/ https://andreslehtmets.com/newsletter/48-kin-lets-metas-ai-agent-shop-for-insurance/ Mon, 05 Oct 2026 15:25:22 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) Meta's Muse, Kin and Insurify · The FCA on open finance infrastructure for AI agents · The ACPR stops Wakam writing new business · Supervising open finance in Africa · Cancer survivors and fair access to financial services https://andreslehtmets.com/blog/state-of-the-union-2026-financial-services-brussels-speaks-business/ https://andreslehtmets.com/blog/state-of-the-union-2026-financial-services-brussels-speaks-business/ Fri, 02 Oct 2026 07:00:00 GMT Article andres@andreslehtmets.com (Andres Lehtmets) 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. https://andreslehtmets.com/blog/meta-muse-ai-agent-insurance-shopping-kin-insurify/ https://andreslehtmets.com/blog/meta-muse-ai-agent-insurance-shopping-kin-insurify/ Thu, 01 Oct 2026 11:00:00 GMT Article andres@andreslehtmets.com (Andres Lehtmets) 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. https://andreslehtmets.com/blog/wakam-acpr-ban-new-business-what-it-means-for-embedded-insurance/ https://andreslehtmets.com/blog/wakam-acpr-ban-new-business-what-it-means-for-embedded-insurance/ Thu, 01 Oct 2026 07:00:00 GMT Article andres@andreslehtmets.com (Andres Lehtmets) 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. https://andreslehtmets.com/newsletter/47-the-eu-digital-fairness-act-is-coming-and/ https://andreslehtmets.com/newsletter/47-the-eu-digital-fairness-act-is-coming-and/ Mon, 28 Sep 2026 11:24:23 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) State of the Union: banking package, gold-plating, climate insurance and digital fairness · Finance Watch on dark patterns in retail investing · The ESAs on cyber, AI and quantum · SME finance and open finance https://andreslehtmets.com/newsletter/46-why-every-financial-services-provider-should/ https://andreslehtmets.com/newsletter/46-why-every-financial-services-provider-should/ Mon, 14 Sep 2026 12:00:00 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) Savings and Investment Accounts: Ireland's blueprint and five more member states at work · A one-click phone bill insurance, read against the IPID · Revolut and MetLife on credit protection · Stanford on who the AI agent works for · ChatGPT for Financial Services https://andreslehtmets.com/newsletter/45-should-chatgpt-be-regulated-as-an-insurance/ https://andreslehtmets.com/newsletter/45-should-chatgpt-be-regulated-as-an-insurance/ Mon, 07 Sep 2026 12:16:40 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) ChatGPT as insurance distributor · Decision-grade data on open finance · AI governance playbooks · Supervising AI · Five areas where open finance may need mandates https://andreslehtmets.com/newsletter/44-seven-ai-tools-one-household-seven-different/ https://andreslehtmets.com/newsletter/44-seven-ai-tools-one-household-seven-different/ Mon, 31 Aug 2026 14:56:19 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) AI advice divergence · Revolut's PRAGMA · ACPR on algorithmic fairness · SupTech · 99.1% of insurtech funding goes to AI https://andreslehtmets.com/newsletter/43-agentic-advice-is-arriving-before-the-advice/ https://andreslehtmets.com/newsletter/43-agentic-advice-is-arriving-before-the-advice/ Thu, 30 Jul 2026 11:27:45 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) The UK's AI adoption plan · OECD on AI and personal finance · AFM on embedded insurance · Stablecoins in Bermuda · LHV AI https://andreslehtmets.com/newsletter/42-the-fca-and-mas-just-wrote-the-first-rules-for/ https://andreslehtmets.com/newsletter/42-the-fca-and-mas-just-wrote-the-first-rules-for/ Sun, 19 Jul 2026 16:53:01 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) Agentic finance · Tech sovereignty · Frontier AI and cyber risk · EIOPA on the AI Act · SupTech https://andreslehtmets.com/newsletter/41-the-commission-just-drew-the-high-risk-ai-line/ https://andreslehtmets.com/newsletter/41-the-commission-just-drew-the-high-risk-ai-line/ Mon, 08 Jun 2026 15:24:00 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) AI Act high-risk guidelines for insurers · Estonia publishes its supervisory work plan · Aviva inside ChatGPT · The thin-file borrower · MiCA review · IOSCO's AI toolkit https://andreslehtmets.com/newsletter/40-openai-just-made-the-case-for-fida-is-the-eu/ https://andreslehtmets.com/newsletter/40-openai-just-made-the-case-for-fida-is-the-eu/ Tue, 19 May 2026 09:00:00 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) Cambridge CCAF Global AI Report · AI Act 2027 deadline · OpenAI x Plaid · FIDA off the EU roadmap · UK Open Banking · BIS on financial health · Agentic AI everywhere https://andreslehtmets.com/newsletter/39-revolut-s-foundation-model-has-an-insurance/ https://andreslehtmets.com/newsletter/39-revolut-s-foundation-model-has-an-insurance/ Fri, 17 Apr 2026 09:00:00 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) Revolut's foundation model · AI Act and insurance · The financial sherpa · Satellite data for insurance · Cyber resilience · Open finance https://andreslehtmets.com/blog/everybody-talks-revoluts-ai-nobody-talks-insurance/ https://andreslehtmets.com/blog/everybody-talks-revoluts-ai-nobody-talks-insurance/ Thu, 16 Apr 2026 10:32:07 GMT Article andres@andreslehtmets.com (Andres Lehtmets) 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. https://andreslehtmets.com/blog/the-financial-companion-you-dont-have-yet/ https://andreslehtmets.com/blog/the-financial-companion-you-dont-have-yet/ Thu, 09 Apr 2026 13:13:08 GMT Article andres@andreslehtmets.com (Andres Lehtmets) 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- https://andreslehtmets.com/newsletter/38-eiopa-flags-ai-gaps-in-insurance-distribution-is-the-idd-keeping-up/ https://andreslehtmets.com/newsletter/38-eiopa-flags-ai-gaps-in-insurance-distribution-is-the-idd-keeping-up/ Thu, 02 Apr 2026 10:10:18 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) AI Act compliance | EIOPA IDD report | Stablecoins in insurance | Open finance: UK vs EU | AI data challenges https://andreslehtmets.com/blog/eiopas-third-idd-report-what-it-tells-us-about-digital-distribution-and-ai/ https://andreslehtmets.com/blog/eiopas-third-idd-report-what-it-tells-us-about-digital-distribution-and-ai/ Thu, 02 Apr 2026 08:58:14 GMT Article andres@andreslehtmets.com (Andres Lehtmets) 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 https://andreslehtmets.com/blog/stablecoins-meet-insurance-aons-proof-of-concept/ https://andreslehtmets.com/blog/stablecoins-meet-insurance-aons-proof-of-concept/ Sun, 29 Mar 2026 06:09:20 GMT Article andres@andreslehtmets.com (Andres Lehtmets) Insurance moves $7 trillion in premiums globally. Most of it still settles through correspondent banking chains built decades ago. Aon just tested something different. The broker completed the first known stablecoin premium payment among major global brokers. A proof of concept using USDC on Ethereum and PYUSD on Solana, in partnership with Coinbase and Paxos. This is not a crypto story. This is an insurance payments story. The insurance value chain runs on premium flows: client to broker, br https://andreslehtmets.com/newsletter/37-is-chatgpt-an-insurance-distributor-under-eu-law-the-question-went-to-the-commission/ https://andreslehtmets.com/newsletter/37-is-chatgpt-an-insurance-distributor-under-eu-law-the-question-went-to-the-commission/ Tue, 17 Mar 2026 10:58:12 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) ChatGPT as insurance distributor? | Plaid's $8B insurance play | FCA 2026 priorities | Digital Fairness Act | Financial Sherpa model | Estonia's AI legislation | Open banking £43B https://andreslehtmets.com/blog/43-billion-what-the-uks-open-banking-numbers-mean-for-the-open-finance-debate/ https://andreslehtmets.com/blog/43-billion-what-the-uks-open-banking-numbers-mean-for-the-open-finance-debate/ Sat, 14 Mar 2026 08:00:46 GMT Article andres@andreslehtmets.com (Andres Lehtmets) New analysis commissioned by Open Banking Limited (OBL) and completed by EY puts a number on what many of us have suspected: open banking is not just a technology initiative. It is an economic growth engine. At full maturity, open banking could deliver up to £43 billion per year to the UK economy. The modelling is grounded in specific use cases across payments, savings, lending and cloud accounting. Open banking has already delivered an estimated £8.3 billion in cumulative benefit to date, with https://andreslehtmets.com/blog/reframing-risk-what-vanguards-research-means-for-the-savings-and-investment-union/ https://andreslehtmets.com/blog/reframing-risk-what-vanguards-research-means-for-the-savings-and-investment-union/ Fri, 13 Mar 2026 08:07:06 GMT Article andres@andreslehtmets.com (Andres Lehtmets) Vanguard just proved that the way we warn investors about risk is making them too afraid to invest. In a study of 2,220 people, they rewrote the standard risk disclosures that every investment firm uses, the ones regulators require, the ones we all know by heart. "Capital at risk." "Past performance is not a reliable indicator of future returns." The result: a 23% reduction in customer drop-off rates. Not from removing warnings. From rewriting them to be human. This is not a UX story. This is https://andreslehtmets.com/blog/estonia-is-making-ai-feasibility-assessment-mandatory-in-its-legislative-process/ https://andreslehtmets.com/blog/estonia-is-making-ai-feasibility-assessment-mandatory-in-its-legislative-process/ Thu, 12 Mar 2026 08:12:51 GMT Article andres@andreslehtmets.com (Andres Lehtmets) Estonia has proposed an amendment to its Good Legislative Practice and Legislative Drafting Rules (HÕNTE), the framework governing how the government prepares laws and regulations. Among the changes: a new obligation requiring policymakers to assess whether automation or AI could be part of the solution, every time a new legislative initiative is prepared. The amendment is in public consultation, with changes taking effect on 1 May 2026. This is not a strategy document or an innovation white p https://andreslehtmets.com/blog/is-chatgpt-an-insurance-distributor-in-the-eu/ https://andreslehtmets.com/blog/is-chatgpt-an-insurance-distributor-in-the-eu/ Wed, 11 Mar 2026 09:02:55 GMT Article andres@andreslehtmets.com (Andres Lehtmets) EIOPA Q&A 3407 asks the European Commission whether AI chatbots fall under the Insurance Distribution Directive (IDD). The answer could reshape how we think about AI in financial services. Question 3407, submitted to EIOPA in August 2025 and now forwarded to the European Commission, asks whether publicly accessible AI chatbots fall within the scope of insurance distribution under the IDD. I have been writing about this dynamic recently in light of the Nippon Life lawsuit against OpenAI. That w https://andreslehtmets.com/blog/insurance-company-nippon-life-just-sued-openai-for-10-3-million/ https://andreslehtmets.com/blog/insurance-company-nippon-life-just-sued-openai-for-10-3-million/ Mon, 09 Mar 2026 09:38:27 GMT Article andres@andreslehtmets.com (Andres Lehtmets) A disability claimant uploaded correspondence from her lawyer into ChatGPT. The AI validated her concerns about the legal advice she'd been given. She fired her lawyer, then used ChatGPT to try to reopen a case that had already been settled and dismissed. When a judge denied that, she filed a new case and dozens of motions that Nippon says ChatGPT drafted. No licence. No accountability. The insurer had no idea until it was back in court. This looks like a LegalTech story. It's InsurTech. Beca https://andreslehtmets.com/blog/the-financial-sherpa-why-the-future-of-finance-is-not-a-product/ https://andreslehtmets.com/blog/the-financial-sherpa-why-the-future-of-finance-is-not-a-product/ Fri, 06 Mar 2026 08:47:37 GMT Article andres@andreslehtmets.com (Andres Lehtmets) I have been thinking about Sherpas lately. Not metaphorically. Actually reading about what they do. Most people think a Sherpa is a guide who takes you up the mountain. That is only part of the story. There are at least six distinct roles in a Sherpa team. There is the sirdar, who coordinates the entire operation. The icefall doctor, who goes weeks ahead of everyone else to fix ropes and ladders across crevasses, building the route before anyone can use it. The climbing Sherpa, who walks next t https://andreslehtmets.com/blog/plaid-hits-8b-valuation-insurance-is-part-of-the-story/ https://andreslehtmets.com/blog/plaid-hits-8b-valuation-insurance-is-part-of-the-story/ Sat, 28 Feb 2026 07:35:57 GMT Article andres@andreslehtmets.com (Andres Lehtmets) Plaid just raised new capital at an $8 billion valuation, up from $6.1 billion in April 2025. The round was structured as a tender offer to provide liquidity for employees. CEO Zach Perret says this should be Plaid's last funding round before an IPO. Most coverage focuses on Plaid's core banking connectivity and its growing role in payments infrastructure. What gets less attention is that insurance is becoming a visible part of Plaid's strategy. What Plaid offers for insurance Plaid now has a https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-36-2026/ https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-36-2026/ Mon, 23 Feb 2026 08:32:18 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) BaFin AI/DORA guidance | Protection gap policy levers | InsurTech turns “AI-Tech” | ChatGPT as distribution https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-35-2026/ https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-35-2026/ Mon, 09 Feb 2026 13:53:20 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) OpenAI Frontier & insurance agents | EIOPA GenAI survey | FCA AI Live Testing | HKMA FinTech Promotion Blueprint | NVIDIA Earth-2 AI weather | EU–UK DORA ICT oversight MoU https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-34-2026/ https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-34-2026/ Mon, 12 Jan 2026 07:58:56 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) AI in insurance supervision | Systemic risk from digital dependence | Consumer trust & digitalisation | Hyperpersonalisation | Cyber regulation insights | ChatGPT Health and insurance https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-33-2025/ https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-33-2025/ Tue, 16 Dec 2025 06:54:49 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) SupTech | Embedded Insurance | Open Insurance | AI Use in Estonia, Asia & South-Africa | FCA Growth Plan https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-32-2025/ https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-32-2025/ Mon, 01 Dec 2025 08:04:24 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) Supervisory upskilling | Gen AI & customer trust | Mobile-enabled microinsurance | MAS AI risk guidelines | SupTech transformation | Pension Tech Sprint & innovation facilitation https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-31-2025/ https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-31-2025/ Mon, 10 Nov 2025 10:41:25 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) AI in Insurance | Open Finance & FiDA | Agentic AI | EIOPA Insurance Overview | SupTech in Emerging Markets | Q3 2025 InsurTech Funding https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-30-2025/ https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-30-2025/ Mon, 20 Oct 2025 20:05:22 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) AI Risk Monitoring | Satellite Innovation & Insurance | FiDA & Gatekeepers | Global Risk Report | Open Finance UK | AI Sectoral Impact | NatCat Tech Innovation https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-29-2025/ https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-29-2025/ Tue, 07 Oct 2025 06:06:49 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) Savings & Investment Accounts | Agentic Commerce | SupTech | Financial Literacy & Health | Gen AI Risks & Insurance https://andreslehtmets.com/blog/suptech-in-insurance-supervision/ https://andreslehtmets.com/blog/suptech-in-insurance-supervision/ Mon, 06 Oct 2025 18:32:39 GMT Article andres@andreslehtmets.com (Andres Lehtmets) The State of SupTech The State of SupTech Report 2024 is out – the global benchmark on how financial authorities are adopting and scaling supervisory technology. Now in its third edition, the report draws on data from 136 financial authorities, 23 solution providers, and a longitudinal sample of 221 agencies across 144 jurisdictions. Key takeaways: 1. SupTech is shifting from experimentation to systemic deployment. 2. Authorities face challenges in procurement, data management, and AI read https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-28-2025/ https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-28-2025/ Mon, 22 Sep 2025 07:04:01 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) FiDA & EUROFI Debate | Digital Fairness Act | Synthetic Data Governance | InsurTech & Financial Inclusion | EU Data Act & Vehicle Data | Estonia's Investment Account https://andreslehtmets.com/blog/synthetic-data-opportunities-and-risks-for-financial-insurance-and-supervisory-innovation/ https://andreslehtmets.com/blog/synthetic-data-opportunities-and-risks-for-financial-insurance-and-supervisory-innovation/ Mon, 22 Sep 2025 06:17:09 GMT Article andres@andreslehtmets.com (Andres Lehtmets) Synthetic data offers big opportunities for finance, insurance, and supervisors but also raises risks in governance, fairness, and data protection. https://andreslehtmets.com/blog/how-insurtech-enables-financial-inclusion/ https://andreslehtmets.com/blog/how-insurtech-enables-financial-inclusion/ Mon, 22 Sep 2025 06:07:49 GMT Article andres@andreslehtmets.com (Andres Lehtmets) 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 https://andreslehtmets.com/blog/what-the-eu-data-act-and-vehicle-data-guidance-mean-for-insurers-oems-and-insurance-innovators/ https://andreslehtmets.com/blog/what-the-eu-data-act-and-vehicle-data-guidance-mean-for-insurers-oems-and-insurance-innovators/ Mon, 22 Sep 2025 05:51:07 GMT Article andres@andreslehtmets.com (Andres Lehtmets) 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. https://andreslehtmets.com/blog/estonias-savings-and-investments-account-investeerimiskonto-a-blueprint-for-the-eus-savings-and-investments-union-siu/ https://andreslehtmets.com/blog/estonias-savings-and-investments-account-investeerimiskonto-a-blueprint-for-the-eus-savings-and-investments-union-siu/ Sat, 20 Sep 2025 08:43:50 GMT Article andres@andreslehtmets.com (Andres Lehtmets) 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. https://andreslehtmets.com/blog/different-perspectives-on-fida-and-open-finance-from-the-latest-eurofi-magazine/ https://andreslehtmets.com/blog/different-perspectives-on-fida-and-open-finance-from-the-latest-eurofi-magazine/ Fri, 19 Sep 2025 18:13:47 GMT Article andres@andreslehtmets.com (Andres Lehtmets) 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. https://andreslehtmets.com/blog/a-digital-first-approach-is-key-to-scalable-pensions-and-to-the-pepp-regulation-iorp-ii-directive-review/ https://andreslehtmets.com/blog/a-digital-first-approach-is-key-to-scalable-pensions-and-to-the-pepp-regulation-iorp-ii-directive-review/ Fri, 19 Sep 2025 11:41:19 GMT Article andres@andreslehtmets.com (Andres Lehtmets) 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. https://andreslehtmets.com/blog/digital-fairness-act-why-it-matters-for-financial-and-insurance-services/ https://andreslehtmets.com/blog/digital-fairness-act-why-it-matters-for-financial-and-insurance-services/ Fri, 19 Sep 2025 07:49:12 GMT Article andres@andreslehtmets.com (Andres Lehtmets) 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. https://andreslehtmets.com/blog/public-consultation-on-digital-fairness-act/ https://andreslehtmets.com/blog/public-consultation-on-digital-fairness-act/ Fri, 19 Sep 2025 07:27:46 GMT Article andres@andreslehtmets.com (Andres Lehtmets) 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 https://andreslehtmets.com/blog/state-of-the-union-2025-what-it-means-for-insurance-finance-and-innovation/ https://andreslehtmets.com/blog/state-of-the-union-2025-what-it-means-for-insurance-finance-and-innovation/ Wed, 10 Sep 2025 10:20:40 GMT Article andres@andreslehtmets.com (Andres Lehtmets) 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 https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-27-2025/ https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-27-2025/ Tue, 09 Sep 2025 05:53:42 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) FiDA negotiations resume | Digital Fairness Act | Estonia’s AI ecosystem | Open Finance & inclusion | Scaling AI in insurance | Regulatory explainability of AI https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-26-2025/ https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-26-2025/ Tue, 26 Aug 2025 13:14:29 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) UK Open Banking Standards | Pension Dashboards & FiDA | U.S. Data Access Fight | Responsible AI in India | Explainable AI in Insurance | Supervision & Innovation | GenAI in Financial Services https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-25-2025/ https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-25-2025/ Tue, 12 Aug 2025 08:29:19 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) EIOPA AI governance Opinion | Bermuda AI oversight | Malaysia AI framework | AI in property insurance | Brazil open finance https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-24-2025/ https://andreslehtmets.com/newsletter/insurtech4good-com-weekly-newsletter-24-2025/ Tue, 29 Jul 2025 08:57:59 GMT Newsletter andres@andreslehtmets.com (Andres Lehtmets) AI-Powered Underwriting | Digital Fairness Act | Quantum in Finance | Strategic Foresight | InsurTech Competition | Financial Market Integration |