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.
News
Banks and payment institutions are paying close attention to various forms of payment fraud. This follows from an exploratory examination which DNB carried out in early 2026. All seven institutions we examined are taking various measures aimed at preventing fraud.
Background
People in the Netherlands are paying cash at points of sale (POS) somewhat less often than before. Just 17% of all payments are made in cash. People aged 75 and over are also paying by debit card more often and making less use of cash.
Speech
‘Resilience isn’t abstract: it’s practical, tangible – and sometimes it fits right in your pocket,’ said Bas ter Weel in his opening address at DNB’s Retail Payments Research Conference 2026 on ‘Future-proof payments: innovative, resilient and inclusive’, on 9 April 2026.