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.