Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. The benefits of money transfers by MoneyGram: there is no need to open a checking account when implementing the transfer. The greatest increases in AgentConnect allows MoneyGram agents to integrate the money transfer service with their internal security and training processes. The benefits of money transfers by MoneyGram: payment of commission is only at the expense of sender. Money transfer platform of MoneyGram will be integrated with the mobile platform LinqUs, which will allow customers to make international transfers with a mobile phone. MoneyGram completed the acquisition of MoneyCard World Express, S.A. (MoneyCard) and Cambios Sol, S.A., two money transfer super-agents located in Spain. The benefits of money transfers by MoneyGram: simplicity in making up. The benefits of money transfers by MoneyGram: the transfer is available in the system to obtain within 90 days.