44As the Advocate General observed in point 58 of his Opinion, it is apparent in particular from recitals 1 and 4 of that directive that the EU legislature sought to create a single market for payment services by replacing the 27 existing national systems, the coexistence of which gave rise to confusion and suffered from a lack of legal certainty, with a harmonised legal framework defining the rights and obligations of payment service users and payment service providers.
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