Our solutions serve as a critical link between Financial Institutions, Retailers, Service Providers and Consumers. Our payments infrastructure enables any digital or cash transaction through secure connections to banks, card networks, alternative payments, digital wallets, leading brands and retailers, by accessing our physical networks of ATMs, POS terminals, and money transfer locations. With state of the art technology, operational expertise and strategic partnerships, we enable Financial Institutions to accelerate growth, whilst actively adapting to a competitive and changing landscape. In Croatia, Euronet is present since 1997, offering a new paradigm for payments to consumers and banks through our ATM-as-a-Service value proposition, which is enabling the usage of ATM and all of its value-added services, with minimal investments required from our partners. Proud to say we were one of the founders of Am Cham Croatia back in 1998.