Case C-480/18: Judgment of the Court (Ninth Chamber) of 2 April 2020 (request for a preliminary ruling from the Augstākās tiesa — Latvia) — ‘PrivatBank’ AS (Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Material and personal scope — Payment services provided in a currency other than the euro or the currency of a Member State outside the euro area — Payment services provided by a credit institution — Non-execution or defective execution of a payment order — Person liable — Prudential supervision procedure — Complaint procedures — Out-of-court-redress — Competent authorities)