Alongside the milestone of IFB's 45th anniversary, this issue offers readers relevant insights on instant payments and the digital euro, the Portuguese banking sector and sustainability issues, artificial intelligence in banking, as well as the risks of fraud and corruption and their prevention—topics that lie at the core of the banking sector's agenda.

In an article titled "The Future of Instant Payments in Europe", Christophe Bonte states that instant transfers are a payment solution poised to become the new normal. This article highlights the ongoing transformation process and the importance of cross-border solutions for Europe’s strategic autonomy in this field.

The banking sector plays a crucial role in sustainability goals and combating climate change. In the article "O setor bancário português e as alterações climáticas", Rui Pinto examines this topic, offering valuable contributions to the reader.

Rogério Canhoto presents an analysis of artificial intelligence and its potential role in banking, supporting personalisation while emphasising the need for strategy and a focus on people.

The digital euro is another topic independently analysed in this issue, in an article by João Pires titled "Euro Digital: a (r)evolução anunciada nos pagamentos europeus" The digital euro is an innovative project that will transform payment services in Europe. This article provides an in-depth understanding of the project and its stages.

Nuno Sampayo Ribeiro addresses the topic "Riscos de fraude e de corrupção e a sua prevenção no sector bancário". This issue includes noteworthy remarks on this critically important and fundamental subject, inviting readers to explore it further through a more extensive work by the author, available online.

The APB's Centre for Studies and Publications provides an analysis of the main indicators of the banking sector in the "O Sector Bancário Num Minuto" section. In this issue, the section presents new data on payments, offering richer information for readers.