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. Money transfers via MoneyGram system can be used as by bank customers, and by people who do not have bank accounts. AgentConnect allows MoneyGram agents to integrate the money transfer service with their internal security and training processes. MoneyGram's total revenue for the 2nd quarter of 2012 was $ 330.1 million, having been increased on 7% compared to $ 310 million in Q2 2011. In 2011, a global network of agents of MoneyGram has grown up to 256 000 service points, thus its growth is 24% compared to the same period of the previous year. MoneyGram completed the acquisition of MoneyCard World Express, S.A. (MoneyCard) and Cambios Sol, S.A., two money transfer super-agents located in Spain. What are the main benefits of money transfers by MoneyGram? Individual flexible service. The recipient has the opportunity to receive money at any MoneyGram office anywhere in the world. The Global Funds Transfer segment is the primary segment of MoneyGram, providing money transfer and bill payment services to consumers, who are often unbanked or underbanked.