Andres Lehtmets
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#40: OpenAI just made the case for FIDA. Is the EU listening?
May 19, 2026
Edition #40 · 17 May 2026 OpenAI just made the case for FIDA. Is the EU listening? Cambridge CCAF Global AI Report · AI Act 2027 deadline · OpenAI x Plaid ·...
#39: Revolut’s foundation model has an “insurance state.” Most insurers should pay attention.
April 17, 2026
Revolut's foundation model · AI Act and insurance · Satellite data · Cyber resilience · Open finance
The Financial Companion You Don't Have Yet
April 9, 2026
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....
#38: EIOPA flags AI gaps in insurance distribution. Is the IDD keeping up?
April 2, 2026
There is quite a lot happening in financial innovation and regulation right now. From my side, I have recently spent a good amount of time catching up on the...
EIOPA's Third IDD Report: What It Tells Us About Digital Distribution and AI
April 2, 2026
EIOPA just published its Third Report on the application of the Insurance Distribution Directive (IDD). It covers a lot of ground: market structure, cross-...
Stablecoins Meet Insurance: Aon's Proof of Concept
March 29, 2026
Insurance moves $7 trillion in premiums globally. Most of it still settles through correspondent banking chains built decades ago. Aon just tested something...
#37: Is ChatGPT an insurance distributor under EU law? The question went to the Commission.
March 17, 2026
A few personal updates before we get into this week's analysis. Since the last edition, I launched andreslehtmets.com, bringing together everything I do in...
£43 Billion: What the UK's Open Banking Numbers Mean for the Open Finance Debate
March 14, 2026
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...
Reframing Risk: What Vanguard's Research Means for the Savings and Investment Union
March 13, 2026
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...
Estonia Is Making AI Feasibility Assessment Mandatory in Its Legislative Process
March 12, 2026
Estonia has proposed an amendment to its Good Legislative Practice and Legislative Drafting Rules (HÕNTE), the framework governing how the government...
Is ChatGPT an Insurance Distributor in the EU?
March 11, 2026
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...
Insurance company Nippon Life just sued OpenAI for $10.3 million
March 9, 2026
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...
The Financial Sherpa: Why the Future of Finance Is Not a Product
March 6, 2026
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...
Plaid Hits $8B Valuation. Insurance Is Part of the Story.
February 28, 2026
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...
InsurTech4Good.com Weekly Newsletter – #36, 2026
February 22, 2026
The InsurTech4Good newsletter just passed 4,600 subscribers. When I started writing it, I had no audience and no plan, just a belief that the intersection of...
InsurTech4Good.com Weekly Newsletter – #35, 2026
February 9, 2026
Welcome to all new readers. There are now around 4,500 of you! This is a super-packed issue. A lot has been happening recently in finance and insurance...
InsurTech4Good.com Weekly Newsletter #34, 2026
January 11, 2026
I’m back with the first newsletter episode of the year after a short pause over the holidays. That doesn’t mean I paused my monitoring. Quite the opposite....
InsurTech4Good.com Weekly Newsletter – #33, 2025
December 16, 2025
This week’s edition offers a sweeping global view, covering everything from the evolution of SupTech to the practicalities of embedded insurance, as well as...
InsurTech4Good.com Weekly Newsletter – #32, 2025
November 28, 2025
A lot is happening again in insurance and financial innovation. See for yourself. But before that, I would like to personally invite you to participate in a...
InsurTech4Good.com Weekly Newsletter – #31, 2025
November 9, 2025
First things first. I’m pleased to share that I have joined the Cambridge Centre for Alternative Finance at Cambridge Judge Business School, University of...
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