terminals, atms, internet payments, mobile payments and card payments. all these methods of payment have to be accessible for everyone. one particularly successful european initiative i'd like to mention is pay - able, a platform that strives for barrier - free access to payment terminals. inspired by the european accessibility act, implemented in the spring of 2019, we released a report outlining numerous best practices for accessibility. many of these practices are of course focused on digitisation. the report outlines two concrete solutions : firstly, various banks have included speech technologies in their various payment apps. secondly, an increasing number of atms and payment terminals use voice assistance and light and sound signals to help disabled users. and fourth and finally : i also represent dnb on the steering committee of the money wise platform. this platform was set up by the dutch minister of finance and several other public and private sector organisations. every year we carry out all sorts of projects to improve dutch people ’ s knowledge of financial products. and to encourage financially responsible behaviour. her royal highness queen maxima is honorary patron of the money wise platform. what we have learned is that campaigns for raising public awareness are much more effective when they fulfil two conditions. first, when stakeholders work together. and secondly if events are repeated, ideally internationally. you may already be familiar with money week. this is a programme of activities we put on every year to help schoolchildren learn about using cash, making card payments and encouraging them to use money responsibly. unsgsa stimulates global financial inclusion this is just some of the work that queen maxima is involved in. she has also acted as the un secretary - general ’ s special advocate for inclusive finance for development for over a decade. she focusses on two target groups in particular : entrepreneurs in need of microfinancing, and women who still do not have a payment account or good financial literacy. this is one area where fintech can play a powerful role. good cooperation is the key to success for financial inclusion i think i've already said this a couple of times, but it's so important i'll tell you a third time! the key to success for financial inclusion is good cooperation between all stakeholders. across the public and private sector. a sophisticated vision and strategy can help create support and unite stakeholders. we have learned that the most successful initiatives are closely in tune with the country's culture. initiatives need to offer public and private stakeholders the chance

sustainable way? what if governments introduce legislation to ensure sustainable use of resources? unsustainable companies would be relatively hard hit, and their profitability could be at risk. and thus, the financial sector that invested in them through stocks, bonds and loans. move from 1 to 17? in short shouldn ’ t we move our work on sustainability from 1 to 17 sdgs? couldn ’ t there be more risks than just climate? need these risks not be managed? should the prudential supervisor not broaden its focus? and what about impact? couldn ’ t we do research into access to finance? into potential bottlenecks for financing the sdgs? couldn ’ t dnb have anything to say about striving for impact towards achieving the sdgs? would that bring us to the fringes of our mandate? or possibly beyond? the answer is not yet clear. fortunately, this is exactly what we will look into in 2018. how do the sdgs fit in our mandate? it won ’ t be easy for us. we don ’ t have an exact answer. it ’ s pioneering. it ’ s challenging. it ’ s a struggle. but it ’ s one we ’ re happy to undertake. even doing this, however, we ’ ll probably still fall short of the new paradigm advocated in the manifesto. because we would most likely be looking at each of the sdgs separately and assess to what extent they pose risks for the financial sector ( both in terms of “ physical ” and in terms of “ transition ” risks ). to the extent they do, we would squarely be within our mandate. but i know eric will call for a more far reaching approach. moving from risk to impact, and looking to all sdg ’ s holistically. so we have a lot of work to do. a lot of thinking to do, a lot of pioneering to do. the principles and the manifesto pose serious questions for serious times. questions that we also ask ourselves and that we struggle to answer. so whenever you ’ re feeling like the task ahead of you is insurmountable, perhaps you will find comfort from the fact that your supervisor is struggling just as much as you are. but we ’ re all struggling in the right direction.