Hrvatska narodna banka, or HNB for short, is the central bank for Republic of Croatia and as such, a vital part of European System of Central Banks. Basic goal for HNB is to maintain stability of prices and taking care of the financial system and its stability in general. As the central bank of Croatia, HNB determines and conveys both monetary and exchange policies, manages international reserves for Croatia, preserves stability of the financial system in general, issues bills and coins, supervises and asserts possibilities of financial recovery of loan institutions and issues and withdraws licenses and permits for loan institutions, unions, payment institutions, electronic money institutions and issues and withdraws licenses and permits to licensed shroffs. HNB manages and improves payment system, conducts statutory work for Republic of Croatia, deals with bills issued by loan institutions and administers payments via those bills, gives out loans to loan institutions and receives deposits from credit institutions and enacts bylaws regarding businesses in its jurisdiction. Today, it is impossible to even imagine everyday life without loan or payment institutions. With growth in computer literacy in general population, usage of electronic money is more and more present. There is also the increment in non-cash payment methods since financial services take vital place not only in economy and economics of our country, but in the lives of every citizen of Croatia.