De Nederlandsche Bank (DNB) has published its Payments Strategy 2026-2028, setting out priorities to broaden the range of payment options available to consumers, retailers and payment service providers and to make the Dutch payments system more resilient. The strategy focuses on reducing dependence on a limited number of suppliers and on non-European players in critical parts of the payment chain, while supporting innovation including the digital euro and distributed ledger technology (DLT) solutions. Resilience and autonomy is the first priority, covering both front-end payment instruments and back-end transaction processing, with work alongside the sector on cyber resilience through monitoring, testing, crisis management exercises and sharing insights. DNB aims for consumers to be able to choose European-originated digital payment instruments usable across the euro area, supports the development of the digital euro as an electronic form of public money for in-store and online payments, and says cash should remain available for those who want to use it, including ensuring access for people in a vulnerable position. The second priority is encouraging innovation, including support for market initiatives that expand digital payment means and methods, action with the sector to counter increasingly AI-enabled payment fraud, and expectations that payment service providers use AI responsibly by being transparent, explaining AI use in plain language and managing associated risks. DNB also wants to enable settlement of transactions on DLT platforms in central bank money through wholesale central bank digital currency, and it anticipates multiple forms of the euro developing in parallel, including stablecoins, tokenised bank deposits and the digital euro.
De Nederlandsche Bank 2026-03-09
Netherlands' De Nederlandsche Bank publishes Payments Strategy 2026-2028 to widen payment choice and reduce reliance on non-European providers
De Nederlandsche Bank (DNB) released its Payments Strategy 2026-2028, focusing on expanding payment options and enhancing the resilience of the Dutch payments system. Priorities include reducing reliance on non-European suppliers, supporting the digital euro and distributed ledger technology, and promoting innovation while ensuring cyber resilience and responsible AI use. DNB also emphasizes maintaining cash availability and enabling central bank digital currency settlements on DLT platforms.