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. Technology continues to play a key role in increasing MoneyGram transaction speed, automating and streamlining processes, and creating new functionality. Very intensive and focused approach has helped MoneyGram to grow business at a rapid pace and establish MoneyGram as a global player in the marketplace. MoneyGram completed the acquisition of MoneyCard World Express, S.A. (MoneyCard) and Cambios Sol, S.A., two money transfer super-agents located in Spain.