Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. AgentConnect allows MoneyGram agents to integrate the money transfer service with their internal security and training processes. In due time MoneyGram separated from the Western Union and became an independent brand. Since going public two and a half years ago, MoneyGram has made great strides by pouring energy and resources into several critically important areas for business. MoneyGram agents are located - in post offices, bank offices, supermarkets, and even travel agencies. The main clients of MoneyGram are students, travelers, immigrants, expatriates, however, recently representatives of businesses who appreciate the advantages of fast and reliable money transfer, joined them. Millions of families depend on MoneyGram to safely send money home or pay the bills. MoneyGram financial results were driven by money transfer business, which delivered more than 40 percent growth in transaction volume.