Hello, welcome to Checkin.com Group's Q3 presentation. With us today we have the CEO, Kristoffer Cassel, and CFO, Martin Bäuml. My name is Martin Westerlund, and I'm from Finwire.tv. With that said, I'll give you guys the stage. Kristoffer and Martin, please go ahead. Thank you, Martin. Welcome everyone to the third quarterly report of this year, and the 19th report in the history of the company. My name is Kristoffer, Martin is with us on the call. I think the thinking of this presentation is that we assume that most of you have read the report and know the company and what we're doing. We'll try to dig into the details of the report and go into some of the topics, and then leave some time for questions in the end. If we start, the third quarter had a continued solid growth. We grew with 71% during the quarter. At the same time, we invested heavily in long-term growth activities, so marketing and sales. We tripled the efforts in this area. We also improved our product offering by the acquisition of GetID and the technology that they add to our software. We have also seen now in the start of Q4 that we passed SEK 50 million in ARR, which is a very important milestone for us. Solid growth, and we put down efforts for the continued growth in the coming quarters. As I said, this is a slide I've shown previous quarters, or similar slide, that we took in money previous this year to invest in sales and marketing for the mid-term growth of the company or mid and long-term. We tripled the costs during this quarter, and we quite rapidly have been able to build an international sales organization that is now step by step starting to contribute. I think we need to see this in one or two, maybe three quarters perspective, and we think we haven't reached the full potential yet of that team. We're very happy that we were able to so quickly put the money into action. We also see some early commercial synergies with GetID. Generally, there has been a strong demand during October. These efforts pushed down the EBITDA for the year to the zero level. We are very convinced that this is the right way to do it. To be honest, given the traction that we have seen in Q4 now, we maybe should have even invested more, to be honest. We're doing this for the long-term growth of the company, and we're seeing positive signs now for the Q4, and hopefully that continues for the coming quarters. A very important part of this quarter was that we acquired GetID, as we said. It's quite easy to acquire companies, but to really make sure that they are fully integrated and part of the group in a good way. Here we have had a fantastic start with GetID. We're sort of starting to form an efficient group. We see this from three perspectives. It's technically that companies that we acquire that quickly integrate the software with each other, but also that that in itself drives innovation in the long run. With GetID, we're now fully integrated, and we're also launching hybrid products, so utilizing the strength of both softwares. Organizational-wise, we think it's super important to continue the specialization to go deep into the technology so that, for example, GetID or other companies we acquire, that they can focus on what they are best at. Here, of course, we're already seeing synergies within the supportive functions of the group, and we want GetID to do what they're best at, which is develop good software within facial recognition. Perhaps the most important point is, of course, the commercially also integrate the group. We see that we have a stronger offering together increases the group's sort of head start on the market or our technology leadership. This strengthened our position. We have already now with GetID started to coordinate marketing and sales activities. Here we see quite a lot of continued potential. This is something we, of course, will develop further during the coming quarters. One good example in a more practical term of the cooperation is BetCity. We announced that BetCity went live after the end of the quarter as one of the two first companies to go live in the re-regulated Dutch iGaming market. In this market, we have several additional contracts that are not yet live. When we say additional contracts, in this perspective, we talk about local actors. We also have several international clients that might go live in Netherlands as well. This is, I think, a great example of the hybrid use of GetID's facial recognition technology, combined with the software of Checkin.com and our overall offering. BetCity is by far the group's largest partner during October. Because we can provide software with big value for the customer that creates big values for them, we are able to also make good money out of it, basically. We see this as very positive. We also see regulations, in a general sense, increasing in several of our main verticals. iGaming is one of those. In the fintech space, there's more regulation coming, and we welcome that in a general sense, but we also see that drives demand. More regulatory requirements, but also the need for change in itself drives the demand of our customers. Our software offers partners regulatory compliance combined with a good end-user experience. We're seeing that as a very positive sign, and we think that the impact of Dutch re-regulation will contribute to the common growth of Checkin.com. To add that we still work very hard with additional acquisitions. We're looking for leading technology within niche areas. We're looking for teams that excel and have strong technology leadership within certain areas that can increase our innovative power going forward. We're also looking for product-driven companies that have solid momentum and growth that contribute to our growth, not perhaps the first quarters, but in the long run as well. We're trying to put together a group of world-leading technology that helps people check-in in the most efficient way. Me and Martin have worked hard on this during Q3, and we continue to work hard. We see a lot of opportunities, but we hope to get back on this topic. Just reminding about the targets before we go into a bit more of the financials. We have a target of 86% annual growth of net revenue, and that includes acquisitions. This basically means that we need to maintain a similar growth that we have had during the recent years. This translates in revenue to half a billion SEK during 2025. We feel confident in these targets, and we continue to work towards them. With that, I will actually leave the word to Martin. Thank you, Kristoffer. The quarterly report itself contains a lot of detailed information and numbers. The plan here is to go through the highlights of it. Let's start with this summary slide. Net revenue grew with 71% to about SEK 9.6 million in the quarter. We have introduced a new metric in our reporting, which is gross profit, and the gross margin was 82% in a quarter, and I will get back with more details on that in a subsequent slide here. We have, as Kristoffer mentioned, more than tripled our investments in sales and marketing in order to position the company for continued high growth in the medium to long term. As communicated earlier, these investments in sales and marketing foremost is a key contributing factor to the fact that EBITDA is going down in the short term. It's -SEK 1.3 million in the quarter and around breakeven year to date. The increased investments have also impacted cash flow from operating activities, which landed on -SEK 3 million in the quarter. We ended the quarter with a net cash position of SEK 25 million. We are more or less debt-free, and the equity ratio was 91%. If we just look at the net revenue specifically, if you watched us in the Q2 presentation, you recognize this slide. Net revenue amounted to SEK 9.6 million in the quarter, which was a growth of 71% compared to the same quarter last year. That growth itself is actually unchanged from the previous year, where we also grew 71% quarter-on-quarter or year-over-year, I mean. As you can see in the chart, we beat last year's revenue already sometime in August, September this year. Historically, Q4 is normally our best quarter growth-wise. As Kristoffer mentioned earlier, we have now reached a milestone of SEK 50 million in recurring revenues now in October, which can be compared to our net revenues of SEK 22.3 million that we had in the full year of 2020. We are a much bigger company now compared to last year. If we look at the new metric, which is the gross profit, let's start with the definition here. It's net revenue less the direct costs directly attributable to the usage and transaction volume in our products and services. For example, cloud infrastructure and third-party services, but not including indirect costs like sales and marketing or R&D. Gross profit was SEK 7.5 million in the quarter, corresponding to a margin of 79%. Here we can conclude that the gross margin generally goes up with scale and increase in transaction volumes, and that we, excluding GetID in this quarter, would have landed on 87% gross margin year to date, compared to the 84% that you see in the chart to the right, which then can be compared to the 81% that we had in 2020 and 2019. Our high gross margins enable us naturally to reinvest a lot of capital in growth-generating activities. In the third quarter, we have foremost increased the investments in sales and marketing. As Kristoffer mentioned, we more than tripled these costs compared to the third quarter last year. As you see in the picture here, we almost invested as much as we did last year in sales and marketing. We almost invest the same amount only in this quarter alone. Year to date, sales and marketing amounts to about 26% of net revenues year to date. Since the increased investments in sales and marketing doesn't fully impact revenue growth until more in the coming quarters in the medium term, but the costs are taken in the short term, these investments show up quite clearly also in the results during the quarter where EBITDA now is around breakeven year to date. If we look at the quarter alone, we can see that EBITDA for the quarter is about SEK 2.6 million lower than the same period last year, which pretty much exactly matches the additional SEK 2.7 million we invested in sales and marketing during the quarter. Finally, if we look at our financial position, we ended the quarter with a cash position of SEK 28 million and a net cash position of SEK 25 million. The equity ratio was 91% at the end of the third quarter, with more or less no leverage. With that, I hand it back over to Kristoffer for a summary and some concluding remarks. Thank you, Martin. To sum up the financial situation, we show continued strong growth during the quarter. We have high margins. We have a strong financial position, which allows us to invest in growth, which in turn pushes down the earnings and the cash flow a bit, but also will contribute to the continued growth during the coming quarters. We have seen a very strong start in Q4, as we said, with passing the milestone of SEK 50 million in ARR. Our strategy for the coming year is basically we will continue. The growth strategy remains firm. It's about acquiring new partners to continue investing in acquisition and global scalability, to keep building the sales team, invest in marketing and so on. It's also about our existing partners to continue to deliver positive net retention so that our existing partners continue to grow with us and continue to stay with us. Thirdly, as I mentioned before, acquisitions. We have a very active acquisition strategy. We are looking for great technology and great teams, and we think there is a lot of opportunities in the market, but we're also, of course, very picky. This is what we'll continue to focus on for the remainder of the year, and with that, I leave back to Martin Westerlund from Finwire.tv. Thank you very much for that presentation, Kristoffer Cassel and Martin Bäuml. Now we'll proceed to the Q&A. Starting off with the first question. Could you please elaborate a bit behind the source of growth during the quarter, and how is the revenue on existing customer developing? Absolutely. We write in the report that the majority of the revenue growth comes from new clients. At the same time, of course, our existing clients are developing well also. This quarter, it's mainly new acquired customers. In the long run, that's of course what's important for the expansion of the group. Perfect. Thank you for that answer. Moving on to the next question. Are you pleased with the pace of recruiting? Absolutely. We're super happy with the team that we have been able to put together in a relatively short space of time, and we're happy that they now are starting to contribute. Of course, if there was one or two more brilliant sales guys or sales girls that we could have hired, we probably should have done that. We're generally very pleased, and not only with the pace but also the quality of the sales team that we're putting together. Perfect. We'll take the next question. How will the temporary closure of Unibet sites in the Netherlands affect you going forward? I obviously touched upon it a bit previously in my presentation. We believe that regulation is positive, both in a general sense, but also for our business. Obviously there are some players that have had business in the Netherlands that now needs to stop it or temporarily stop the business there. All in all, the market shift is very positive for us. We think it will add to the continued growth. We also, of course, have a hope that some of these partners that we have that have now temporarily stopped their activity, that they will come back into the market and use our software in those markets. Perfect. Thank you for that answer. I'll take the next question. How is the integration of GetID going? Yes. I'm not sure if that question was asked before or after my slide about that, but again, to reiterate, I think it has been above expectation. It sort of makes it easy to work with great teams that are used to work very agile and fast and are used to change, and that are also technology-driven, so very strong in the tech area. As I said, we have integrated very fast with each other. We continue to see synergies, and we have big hopes for that. I think given the dilution, which was a bit more than 3% for the acquisition of GetID, so far it has been above expectation. Perfect. Thank you. Can you please describe the ARR for the end of October, and how much would you say is related to GetID and how much is organic? What we have communicated is that we have passed SEK 50 million as a milestone. We haven't yet communicated ARR sort of month by month. It's something we might do in the future. We have now passed, so the revenue on a yearly basis is above SEK 50 million on a run rate basis. If we look at when we completed the purchase of GetID, we communicated that the group together had SEK 40 million in returning revenue. In 10 or 11 weeks, we have basically added more than SEK 10 million extra in annual recurring revenue. Can you describe the details on the Ryanair deal? Short answer is no. We generally don't go into the commercial aspects of every deal, but you can say from the perspective of the Group, it's an important milestone, of course, both because it's a brand name in itself, it's also contributing to the revenues. In the report, it's the fastest growth in revenues during the quarter for the whole Group, comes from Ryanair. Of course, it's an important deal in itself, but it also opens, hopefully, the door to the travel market in a broader sense. We see that the fact that such a leading brand chooses our software is a good indication of the strength of our offering. Thank you for that answer. I'll take the next question. Is BetCity an existing customer or a new customer? BetCity went live with the first volumes 1st of October. Obviously, we had the contract before they went live, but in that sense, they are new. Perfect. I'll take the last question that is also related to BetCity. Why does your product work so well on the Dutch iGaming market? Yeah. It's a good question. It refers back a bit to what I said about regulation. When the regulatory demands increases, the complexity generally also increases. In Holland specifically, there is requirements not only to perform one step of how you identify the customer, but actually a multitude of efforts that our customers needs to take to ensure the end consumer identity. Our software, we take care of the full flow from when the user says, "I want to become a customer," until they are a customer. We have capabilities not only in one area, let's say facial recognition and using the camera of your mobile phone, but also in open banking and many other areas. Our broad offering, where we're leading in several of these areas combined, makes us a very strong offering for the Dutch market, we have been lucky, I think, to be positioned where we are now that those regulations come. Okay. Thank you, Kristoffer and Martin, for that presentation and the answers to our questions. A big thank you to all of you who have been following the presentation today. Have a great rest of the day. Thank you and goodbye. Thank you.