This episode features a transition in the leadership at the European Payments Council (EPC), with Javier Santamaria reflecting on his 13 years tenure as its chairman and Gijs Boudewijn stepping into the role. In return, Javier is succeeding Gijs in this podcast representing mainly the bankers' perspectives. The conversation explores the evolution of payments in Europe over the past two decades, the challenges posed by new technologies and regulations, and the importance of maintaining a strong voice in the face of political pressures. The participants discuss the future of payments, including the role of ISO 20022, digital currencies, and the need for collaboration and evidence-based regulation.