Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. Money transfers can be claimed within 45 days, but if for some reason, this period is exceeded, the processing operator would need additional time to call the main office of the company of MoneyGram for voice authorization. Millions of people around the world trust MoneyGram, as the wired transfer system provides its customers with a reliable, fast and inexpensive service. Technology continues to play a key role in increasing MoneyGram transaction speed, automating and streamlining processes, and creating new functionality. Until 2004, the owners of MoneyGram were Viad Corp and Travelers Express Company Inc. To 284 thousands of service points has grown global network of MoneyGram agent offices in the 2nd quarter of 2012 due to India, Spain and Africa, thus its growth was 16%.