Andres Lehtmets

Andres Lehtmets

Apr
16
Everybody Talks Revolut's AI. Nobody Talks Insurance.

Everybody Talks Revolut's AI. Nobody Talks Insurance.

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.
2 min read
Apr
09
The Financial Companion You Don't Have Yet

The Financial Companion You Don't Have Yet

Why the future of financial services needs a sherpa, not a product catalogue Most people think a sherpa is a
6 min read
Apr
02
#38: EIOPA flags AI gaps in insurance distribution. Is the IDD keeping up?

#38: EIOPA flags AI gaps in insurance distribution. Is the IDD keeping up?

AI Act compliance | EIOPA IDD report | Stablecoins in insurance | Open finance: UK vs EU | AI data challenges
5 min read
Apr
02
EIOPA's Third IDD Report: What It Tells Us About Digital Distribution and AI

EIOPA's Third IDD Report: What It Tells Us About Digital Distribution and AI

EIOPA just published its Third Report on the application of the Insurance Distribution Directive (IDD). It covers a lot of
3 min read
Mar
29
Stablecoins Meet Insurance: Aon's Proof of Concept

Stablecoins Meet Insurance: Aon's Proof of Concept

Insurance moves $7 trillion in premiums globally. Most of it still settles through correspondent banking chains built decades ago. Aon
1 min read
Mar
17
#37: Is ChatGPT an insurance distributor under EU law? The question went to the Commission.

#37: Is ChatGPT an insurance distributor under EU law? The question went to the Commission.

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
6 min read
Mar
14
£43 Billion: What the UK's Open Banking Numbers Mean for the Open Finance Debate

£43 Billion: What the UK's Open Banking Numbers Mean for the Open Finance Debate

New analysis commissioned by Open Banking Limited (OBL) and completed by EY puts a number on what many of us
1 min read
Mar
13
Reframing Risk: What Vanguard's Research Means for the Savings and Investment Union

Reframing Risk: What Vanguard's Research Means for the Savings and Investment Union

Vanguard just proved that the way we warn investors about risk is making them too afraid to invest. In a
3 min read
Mar
12
Estonia Is Making AI Feasibility Assessment Mandatory in Its Legislative Process

Estonia Is Making AI Feasibility Assessment Mandatory in Its Legislative Process

Estonia has proposed an amendment to its Good Legislative Practice and Legislative Drafting Rules (HÕNTE), the framework governing how the
3 min read
Mar
11
Is ChatGPT an Insurance Distributor in the EU?

Is ChatGPT an Insurance Distributor in the EU?

EIOPA Q&A 3407 asks the European Commission whether AI chatbots fall under the Insurance Distribution Directive (IDD). The
2 min read