OBS_VALUE: <ul><li><a href=https://narodne-novine.nn.hr/clanci/sluzbeni/2018_07_66_1330.html target=_blank>Payment System Act(Zakon o platnom prometu, Official Gazette of the Republic of Croatia, no. 66/2018, adopted on 20 July 2018, last amended on 28 September 2022, Articles 154 - 157)</a></li></ul>