BusinessWorld’s 4th Quarterly Banking Report for 2024 is focused on the most recent developments within the Philippine banking sector in terms of bolstering cybersecurity and digitalization. This issue looks into the current cybersecurity capabilities of the banking industry as financial institutions are now required to undergo annual vulnerability assessment and penetration testing by independent external parties. Prospects for digitalization among rural banks are also featured on this issue; as well as a Q&A with AUB about its e-wallet, HelloMoney, and the latest offerings from the e-wallet, such as microinsurance and digital savings.