A Licensee must comply with the Implementing Regulation, rules, decisions and  circulars on data and technology governance requirements in relation to  information technology systems issued by SAMA, in addition to any other  applicable laws, regulations or relevant decisions issued by competent  authorities in the Kingdom and a Licensee must adhere to the relevant approved  technical standards of the Payment System of which they are Members or that  would otherwise apply to them, and any other technical standards relevant for  the execution of Payment Transactions (including the Payment Card Industry – Data Security Standards as may be applicable and amended).