69Whilst such a conclusion is sufficient for a finding of non-compliance with the conditions set out in Article 15(3) of Directive 2006/123, given that those conditions are cumulative, it should also be stated that the Hungarian Government — by merely asserting, in order to justify the requirements concerning the legal form of a SZÉP card issuer and of that issuer’s parent company, that it is essential for the issuer and its parent company to be integrated into Hungarian economic life and for the issuer to have the requisite experience and infrastructure — has not put forward any specific matters or arguments capable of demonstrating in what respect such requirements are necessary and proportionate for the purpose of ensuring that SZÉP card issuers offer the guarantees of solvency, professionalism and accessibility that appear necessary in order to achieve that Government’s stated objectives of protecting the users of such cards and creditors.
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