{"id":31041,"date":"2026-10-27T10:56:28","date_gmt":"2026-10-27T09:56:28","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/digitalna-identifikacija-u-skladu-s-amlr-om\/"},"modified":"2026-10-27T18:00:38","modified_gmt":"2026-10-27T17:00:38","slug":"digitalna-identifikacija-u-skladu-s-amlr-om","status":"publish","type":"post","link":"https:\/\/nect.com\/hr\/media\/blog\/digitalna-identifikacija-u-skladu-s-amlr-om\/","title":{"rendered":"Digitalna identifikacija u skladu s AMLR-om"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"31041\" class=\"elementor elementor-31041 elementor-29773\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18b3d63 e-flex e-con-boxed e-con e-parent\" data-id=\"18b3d63\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-36607dd e-con-full e-flex e-con e-child\" data-id=\"36607dd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1763da elementor-widget elementor-widget-heading\" data-id=\"a1763da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Najva\u017enije ukratko<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bea6c4 elementor-widget elementor-widget-text-editor\" data-id=\"7bea6c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Od srpnja 2027. AMLR uspostavlja jedinstveni regulatorni okvir za sprje\u010davanje pranja novca u svim dr\u017eavama \u010dlanicama EU-a i zamjenjuje brojna nacionalna posebna pravila.<\/li><li>Digitalni identiteti dolaze u sredi\u0161te identifikacije, posebno nacionalne eID-ove, EUDI-nov\u010danik i Qualified Trust Services (QTS).<\/li><li>Poduze\u0107a imaju koristi od standardiziranih procesa, ni\u017eih tro\u0161kova i bolje skalabilnosti, dok potro\u0161a\u010di imaju koristi od br\u017eih i jednostavnijih postupaka identifikacije.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0256cfd elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"0256cfd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;container&quot;:&quot;#index-content&quot;,&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;Es wurden keine \\u00dcberschriften auf dieser Seite gefunden.&quot;,&quot;minimized_on&quot;:&quot;desktop&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;,&quot;h5&quot;,&quot;h6&quot;],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tSadr\u017eaj\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__0256cfd\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__0256cfd\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__0256cfd\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4facdae e-con-full e-flex e-con e-child\" data-id=\"4facdae\" data-element_type=\"container\" data-e-type=\"container\" id=\"index-content\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b49df62 elementor-widget elementor-widget-spacer\" data-id=\"b49df62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-857e17a elementor-widget elementor-widget-heading\" data-id=\"857e17a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Od GwG-a do AMLR-a<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97cd881 elementor-widget elementor-widget-text-editor\" data-id=\"97cd881\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tOd srpnja 2027. sprje\u010davanje pranja novca u Europi temeljito \u0107e se promijeniti, a time i digitalna provjera identiteta. Novom Uredbom o sprje\u010davanju pranja novca (Anti-Money Laundering Regulation, AMLR) EU se opra\u0161ta od sustava koji je dosad bio obilje\u017een nacionalnim posebnostima. Umjesto toga, po prvi put nastaje jedinstveni regulatorni okvir za svih 27 dr\u017eava \u010dlanica. Za banke, osiguravaju\u0107a dru\u0161tva, FinTech tvrtke i pru\u017eatelje usluga identiteta to ne zna\u010di ni\u0161ta manje od promjene paradigme. Brojni postupci koji se danas jo\u0161 temelje na nacionalnim posebnim pravilima ubudu\u0107e \u0107e biti zamijenjeni jedinstvenim europskim standardima digitalnog identiteta.    \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14806b3 elementor-widget elementor-widget-heading\" data-id=\"14806b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Od krpanog sustava propisa do europskog regulatornog okvira \n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3dd23c6 elementor-widget elementor-widget-text-editor\" data-id=\"3dd23c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dosad se europska borba protiv pranja novca temeljila na direktivama. One dodu\u0161e odre\u0111uju ciljeve, no svaka ih dr\u017eava \u010dlanica mora prenijeti u nacionalno zakonodavstvo. Posljedica toga: 27 razli\u010ditih tuma\u010denja i provedbi. Ono \u0161to se u Njema\u010dkoj smatra pravno uskla\u0111enom identifikacijom, mo\u017ee se znatno razlikovati od zahtjeva u Francuskoj, \u0160panjolskoj ili Italiji. Za banke i financijske pru\u017eatelje usluga koji posluju me\u0111unarodno to je dosad zna\u010dilo visoke tro\u0161kove, slo\u017eene procese i zasebne postupke onboardinga za svako tr\u017ei\u0161te. S AMLR-om taj model prestaje postojati. Kao uredba, izravno se primjenjuje u svim dr\u017eavama \u010dlanicama EU-a i vi\u0161e ne zahtijeva nacionalnu provedbu. Time se znatno smanjuje prostor za razli\u010dita tuma\u010denja.       <\/p><p><a href=\"https:\/\/eur-lex.europa.eu\/DE\/legal-content\/summary\/preventing-abuse-of-the-financial-system-for-money-laundering-and-terrorism-purposes-from-2027.html\" target=\"_blank\" rel=\"noopener\">AMLR po prvi put jasno definira<\/a> koji su digitalni postupci ubudu\u0107e dopu\u0161teni za identifikaciju u kontekstu sprje\u010davanja pranja novca.<\/p><p>U sredi\u0161tu su tri europski priznate metode:<\/p><ul><li><strong>Nacionalni elektroni\u010dki identiteti (eID):<\/strong> dr\u017eavno izdani digitalni identiteti s razinom vjerodostojnosti \u201ezna\u010dajna\u201c ili \u201evisoka\u201c.<\/li><li><strong>European Digital Identity Wallet (EUDI-nov\u010danik):<\/strong> Do kraja 2026. svaka dr\u017eava \u010dlanica mora osigurati <a href=\"https:\/\/nect.com\/hr\/proizvodi\/eudi-wallet\/\" target=\"_blank\" rel=\"noopener\">EUDI-nov\u010danik<\/a>. Gra\u0111ani \u0107e ga ubudu\u0107e mo\u0107i koristiti za digitalne dokaze identiteta diljem Europe. <\/li><li><strong>Qualified Trust Services (QTS):<\/strong> Ovdje spadaju prije svega Qualified Electronic Signatures (QES) i Qualified Electronic Attestations of Attributes (QEAA), koje pru\u017eaju kvalificirani pru\u017eatelji usluga povjerenja.<\/li><\/ul><p>Postupci temeljeni na dokumentima ostaju dodu\u0161e i dalje mogu\u0107i, pod uvjetom da ispunjavaju zahtjeve <a href=\"https:\/\/www.etsi.org\/deliver\/etsi_ts\/119400_119499\/119461\/02.01.01_60\/ts_119461v020101p.pdf\" target=\"_blank\" rel=\"noopener\">norme ETSI 119 461<\/a>. Regulatorni smjer razvoja ipak je jasan: EU se oslanja na digitalne, interoperabilne i eIDAS-uskla\u0111ene identitete. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c197db8 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"c197db8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b8022c elementor-widget elementor-widget-image\" data-id=\"3b8022c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"480\" src=\"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/digitale-identifizierung-amlr-1024x614.jpg\" class=\"attachment-large size-large wp-image-31043\" alt=\"digitalna identifikacija \u017eene u svrhu GwG-a i AMLR-a\" srcset=\"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/digitale-identifizierung-amlr-1024x614.jpg 1024w, https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/digitale-identifizierung-amlr-300x180.jpg 300w, https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/digitale-identifizierung-amlr-768x461.jpg 768w, https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/digitale-identifizierung-amlr.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e3c7b0 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"2e3c7b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-804a841 elementor-widget elementor-widget-heading\" data-id=\"804a841\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Zato je AMLR posebno relevantan za Njema\u010dku<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-374d997 elementor-widget elementor-widget-text-editor\" data-id=\"374d997\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Gotovo nijedna europska zemlja nije tako strogo regulirala digitalnu identifikaciju u svrhu sprje\u010davanja pranja novca kao Njema\u010dka. Njema\u010dki Zakon o sprje\u010davanju pranja novca (Geldw\u00e4schegesetz, GwG) dosad je u osnovi dopu\u0161tao \u010detiri na\u010dina daljinske identifikacije: <\/p><ul><li>Osobna identifikacija, primjerice u poslovnici ili putem usluge PostIdent<\/li><li>Video-identifikacija putem videopoziva u\u017eivo sa \u0161kolovanim djelatnicima<\/li><li>Kori\u0161tenje funkcije online osobne iskaznice (eID)<\/li><li>Kvalificirani elektroni\u010dki potpis u kombinaciji s referentnom uplatom<\/li><\/ul><p>Upravo su zahtjevi za video-identifikaciju godinama oblikovali tr\u017ei\u0161te. Prema smjernicama BaFin-a, provjera identiteta morala se provoditi u stvarnom vremenu od strane posebno \u0161kolovanih djelatnika. Potpuno automatizirani postupci ili provjere identiteta uz pomo\u0107 umjetne inteligencije nisu bili priznati kao ravnopravna alternativa za slu\u010dajeve regulirane GwG-om. Time je nastao paradoks: dok su moderne tehnologije u drugim europskim zemljama ve\u0107 bile odobrene za regulirane identifikacije, njema\u010dko je tr\u017ei\u0161te uglavnom i dalje ovisilo o ru\u010dnim postupcima video-identifikacije. Posljedice koje su iz toga proiza\u0161le bile su o\u010dite: znatno vi\u0161i tro\u0161kovi procesa, ograni\u010dena skalabilnost, du\u017ee vrijeme do zavr\u0161etka postupka i \u010desto slabije korisni\u010dko iskustvo.    <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f27283c elementor-widget elementor-widget-heading\" data-id=\"f27283c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u0160to se mijenja s AMLR-om<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d99267 elementor-widget elementor-widget-text-editor\" data-id=\"0d99267\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tStupanjem AMLR-a na snagu, nacionalna posebna pravila za postupke identifikacije u svrhu sprje\u010davanja pranja novca velikim \u0107e dijelom biti zamijenjena europskim propisima. Za banke, osiguravaju\u0107a dru\u0161tva i druga regulirana poduze\u0107a to prije svega zna\u010di jedno: identifikacija klijentica i klijenata postat \u0107e diljem Europe ujedna\u010denija, predvidljivija i lak\u0161e skalabilna. Umjesto prilago\u0111avanja razli\u010ditim nacionalnim zahtjevima, poduze\u0107a \u0107e se ubudu\u0107e mo\u0107i znatno vi\u0161e oslanjati na standardizirane procese. Istodobno digitalna rje\u0161enja za identitet dolaze u sredi\u0161te regulatornih zahtjeva. Qualified Trust Services ubudu\u0107e \u0107e spadati me\u0111u izri\u010dito priznate metode identifikacije. Time poduze\u0107a dobivaju dodatne mogu\u0107nosti za ispunjavanje regulatornih zahtjeva, bez potrebe za skupim i kadrovski zahtjevnim postupcima.      \n\nTako\u0111er se smanjuje dosad dominantna uloga nacionalnih posebnih pravila, poput njema\u010dkih zahtjeva za postupke video-identifikacije. Na njihovo mjesto dolaze harmonizirani europski standardi koji olak\u0161avaju prekograni\u010dne poslovne modele i smanjuju pravnu nesigurnost kod me\u0111unarodnih postupaka onboardinga. Za potro\u0161a\u010dice i potro\u0161a\u010de to bi moglo zna\u010diti br\u017ee i dosljednije postupke identifikacije. Za poduze\u0107a harmonizacija otvara priliku za smanjenje tro\u0161kova, pojednostavljenje procesa i jedinstveno oblikovanje digitalnog korisni\u010dkog iskustva diljem Europe.   \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8303190 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"8303190\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5f1109 elementor-widget elementor-widget-heading\" data-id=\"b5f1109\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Zaklju\u010dak<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d02ffdc elementor-widget elementor-widget-text-editor\" data-id=\"d02ffdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>AMLR je mnogo vi\u0161e od jo\u0161 jedne regulatorne prilagodbe. On ozna\u010dava prijelaz s nacionalnih modela identiteta na europski ekosustav digitalnog identiteta. Za poduze\u0107a to zna\u010di manje regulatorne rascjepkanosti i ve\u0107u skalabilnost. Za potro\u0161a\u010dice i potro\u0161a\u010de otvara se perspektiva jednostavnijih, br\u017eih i dosljednijih postupaka identifikacije diljem cijele Europske unije.   <\/p><p>Posebno za Njema\u010dku, AMLR bi mogao pokrenuti dugo o\u010dekivanu promjenu. Odmak od skupih, ru\u010dnih postupaka video-identifikacije prema modernim, automatiziranim i europski priznatim rje\u0161enjima digitalnog identiteta. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Zbog AMLR-a, jedinstvenog regulatornog okvira EU-a za sprje\u010davanje pranja novca, digitalni identiteti od srpnja 2027. dolaze u sredi\u0161te identifikacije. <\/p>\n","protected":false},"author":3,"featured_media":31042,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[734],"tags":[777,736,735],"class_list":["post-31041","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-identitet-i-novcanik","tag-regulativa","tag-uskladenost"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Digitalna identifikacija u skladu s AMLR-om - Nect<\/title>\n<meta name=\"description\" content=\"AMLR od srpnja 2027.: jedinstveni regulatorni okvir za sprje\u010davanje pranja novca. 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