What steps does your organization take to gain insight into the perspectives of consumers and/or end‑users who may be particularly vulnerable or marginalized (e.g., people with disabilities, children)?

This indicator requires you to disclose, where applicable, the steps your organization takes to understand the perspectives of consumers and/or end-users who may be particularly vulnerable to impacts and/or marginalized. Your disclosure should include: Identification of Vulnerable Consumer Groups: Specify which groups of consumers and/or end-users are considered particularly vulnerable, such as: Children (e.g., exposure to inappropriate marketing, online safety risks). People with disabilities (e.g., accessibility challenges in products and services). Financially vulnerable individuals (e.g., exposure to predatory lending or misleading financial services). Elderly consumers (e.g., risks related to digital exclusion or financial scams). Engagement Methods: Describe the specific steps taken to gain insight into their perspectives, such as: Targeted consultations with vulnerable groups. Engagement with consumer protection organizations, NGOs, or advocacy groups. Accessible and inclusive feedback mechanisms (e.g., surveys in multiple formats, plain-language communications). User testing and co-creation of products or services with representatives from vulnerable groups. Application of Insights: Explain how these insights inform decision-making and contribute to: Preventing or mitigating risks specific to vulnerable consumers and end-users. Strengthening policies or programs to protect and empower marginalized groups. Ensuring inclusive and equitable access to products and services. https://xbrl.efrag.org/e-esrs/esrs-set1-2023.html#d1e37700-3-1