Everyone should have access to financial services and the economic system, whether they prefer to pay by card or in cash, whether they live in a bought or rented home and whether they work for a boss or as a self-employed person. The system must function for all, including for vulnerable groups like the elderly, people with physical impairments, people with limited digital skills or with a limited understanding of financial products and services. That is why De Nederlandsche Bank (DNB) is committed to promoting an inclusive society. We do so by conducting research, providing advice to the government, supervising banks, pension funds and insurers, and cooperating with civil society organisations. Together, we can ensure that no groups in society are left behind.
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Like eating, drinking and sleeping, spending money is simply part of life. But that doesn’t necessarily make it fun. Indeed, most people dislike spending money, according to research by De Nederlandsche Bank (DNB).
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Consumers from vulnerable groups such as senior citizens, disabled people and those with low digital skills experience a decline in the accessibility and availability of payment services. This seems to be related to the fact that banks increasingly digitalise their services and close branches.
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Since the outbreak of the COVID-19 pandemic, De Nederlandsche Bank (DNB) has processed far fewer banknotes than usual. The intake of banknotes has in fact decreased so much that, for the first time ever, DNB is issuing more banknotes than it is receiving.
