Hello, and welcome to ZignSec's Q3 results presentation. In terms of agenda, I'll provide a review on the group and some of the key initiatives we've been undertaking during the past three months, a trading update on last quarter's financial performance, as well as a summary of some of our future ambitions. Just to start with, a quick snapshot and summary on ZignSec Group. We are an international RegTech technology provider that aggregates multiple services through a compliance orchestration platform that enables clients to manage and coordinate their compliance requirements through a single connection wherever they operate in the world. In addition, we offer a merchant onboarding and monitoring suite of solutions for the global acquiring bank community to enable them to comply with the credit card scheme rules. We have a comprehensive suite of solutions that enables us to have end-to-end capabilities across the complete compliance spectrum, whether that's Know Your Customer, in terms of onboarding a consumer, such as with verifying your identity, or Know Your Business, where you're conducting due diligence on a company to identify the ultimate beneficial owner, or indeed Supervisory Technology, where we are offering technology solutions such as corporate registries to governments. In terms of our international presence, our ability to serve clients in multiple jurisdictions is underpinned by our network of seven offices globally, and we serve customers across Europe, the U.S., Asia, and the Middle East. In terms of key numbers, our net revenue for the quarter was SEK 21.4 million. That was underpinned by transactions of SEK 2.9 million that were processed in September alone. Our seven offices globally are staffed by 71 employees. In the past, we've talked a lot about ZignSec's orchestration platform, but the ZignSec Group is made up of much more than that, and I wanted to share an overview with you of the core platforms developed by the group and the markets which we serve. On the left-hand side, you'll see ZignSec's core solutions that we've discussed in the past, and that incorporates the V5 platform and the portal which offer users the ability to select their choice of a huge host of services from KYC and KYB from a range of the best of providers which they can all connect through a single connection, as well as a suite of tailor-made solutions that combine a range of those services into a complete workflow. Those services are offered to a range of industries such as financial services, healthcare, insurance, and iGaming. In the middle, you have the platforms within Web Shield. These include, for example, InvestiGate, which is our due diligence solution for acquirers to onboard their customers, their merchants. Merchant Monitoring, which enables them to continuously review their merchant portfolios for any change in a range of indicators. Our chargeback management platform, a new development, is a communication platform that connects acquirers and their merchants to card schemes to enable them to process chargebacks. Finally, VCU, which is a KYC. KYB and AML tool to identify the ultimate beneficial owner. Finally, we have Wyzer and their SupTech solutions. We have the Malta Business Registry, which they've developed in association with the Maltese government, as well as some customized digital automation projects, such as the business portal which we're currently developing for the Maltese government to enable various departments within the government to connect. Some key highlights from Q3 I wanted to bring to your attention. Net revenue increased by 10% to SEK 21.4 million in Q3 2022 versus Q3 2021. For the nine months to the end of September 2022, net revenue grew to SEK 69.1 million, an increase of 126% on the corresponding period in the prior year. EBITDA losses resulted in a loss of SEK 6.7 million during the quarter, this is a result of continued investment in product development and sales and marketing. Q3 saw a slowdown in sales activity, that's resulting from restructuring that we've undertaken over the last two quarters, as well as some seasonal factors that impact our business. In September, we witnessed a pickup in revenue and transaction volumes, with 2.9 million transactions processed in September alone. Quick update on our ZignSec Portal which was launched at the end of Q2. We've now started to roll that out, and this is an easy-to-use dashboard which provides access to all product data. Not only does it provide access to clients who don't have the capability to connect via our API, but is also relevant to our larger customers who can access our services via our API, but also can use the dashboards and product data to have a total view of their solutions offered by us. This was rolled out in the quarter. We've pleased to announce that the first clients have been onboarded. Our charge back management platform, we recently in the quarter announced a strategic partnership with Ethoca, a subsidiary of Mastercard. As a result of that partnership, we are now accredited as a Mastercard collaboration service provider, one of a handful globally. I'm pleased also to report that we've recently signed our first customers, they are now awaiting implementation. We've also been busy restructuring over the past two quarters, and the central part of that was centralizing most of the core functions within the group, and that's been completed. The final part of that, the sales division, is now centralized under the responsibility of our new Chief Sales Officer, Glenn Mac Donald, who joined us at the start of October. Glenn will be responsible for managing all group sales activities. We're very delighted that we've had Glenn join us. He has significant sales experience, holding senior positions in organizations such as Adyen, Visa, and International Card Services. Diving into a review of the financial performance over the quarter. Just moving on to the year-on-year comparison. During Q3 2022, we delivered net revenue of SEK 21.4 million. That was a 10% increase from SEK 19.5 million in Q3 2021. For the nine months ending September 30th, 2022, we delivered net revenue of SEK 69.1 million, a 126% growth over the corresponding period in the prior year. From a quarterly revenue perspective, our revenue grew in Q3 2022 to SEK 21.8 million, growth of 12%. For the nine months to September 30th, the revenue grew to SEK 70.3 million, growth of 128% on the same period in the prior year. We witnessed a decline of 9% on last quarter Q2 2022 revenue. This was as a result of several factors, such as the restructuring activities that have been undertaken over the last two quarters, loss of clients in Russia, also some seasonal effects where we see a slowdown in activity over the summer months. As a result of this, we will not achieve our target of SEK 100 million revenue in 2022. The investment in new products and our growth of our sales team, we expect to see the benefits of this in terms of revenue growth in 2023 and beyond. Our EBITDA losses have continued to decline. In Q3 2022, our losses declined to -SEK 6.7 million versus loss of SEK 7.4 million in Q3 2021. For the nine months to September 30th, losses declined to SEK 17.8 million versus SEK 21.1 million in the corresponding period in the prior year. This decline is a result of declining revenue during the quarter, combined with continued product investments and growing our sales team over the quarter. We expect to see revenue growth accelerate significantly as a result of these investments in 2023. This will impact our previous intent, which we stated would be cash flow positive in Q4 2022, which we now expect in the second half of 2023. We've solidified our balance sheets, having completed a successful rights issue at the start of Q3, which was oversubscribed, generating a cash contribution of SEK 59.2 million before issue costs. We've now completed the outstanding payments due on prior acquisitions, and have recently raised SEK 20 million in debt capital to enable us to continue to pursue our growth strategy. At the end of September 30th, 2022, we had SEK 33.9 million in cash. Deducting the acquisition payments of SEK 26.9 million and adding the DBT Capital loan of SEK 20 million, we now have a balance of SEK 27 million. We previously shared in the last quarter's presentation, an update on group financial and operational metrics, and we'll continue to do so. For this quarter, we share our net revenue and average number of customers invoiced monthly. You'll see a slight decline both in terms on the net revenue side and the average number of invoiced customers. This is a result of the restructuring activities and the seasonal impacts during the quarter, as previously referenced. The monthly average revenue per customer remains relatively stable at around SEK 20,000, and the transactions performed, while slightly declining, as I mentioned previously, we saw a significant uptick in September with 2.9 million transactions processed. What's coming next? Well, in terms of recent events, as I mentioned, Glenn Mac Donald has joined ZignSec as our new CSO starting in the beginning of October, and he brings a wealth of sales experience, and we're delighted that he's going to join and have huge expectations for Glenn coordinating and driving our sales strategy going forward. As previously mentioned, we've also secured growth financing of SEK 20 billion from DBT Capital. The financing was structured as debt and will enable us to pursue further growth with new product development and sales team expansion. In terms of the key metrics on the debt financing, this has annual interest of 9.95% plus STIBOR three months and a 42-month term with the first six months interest only. In terms of the road ahead, the financing we've just secured will enable us to pursue our growth strategy and continue on our path to become cash flow positive in the second half of 2023. We've already started to sign the first customers on our new portal and plan to extend the range of offerings we have within the portal. Our chargeback management platform has secured its first two customers already. Although we've had a delay in the implementation of the new Mastercard rules, these are expected to start in the first quarter of Q1 next year when we expect to see a significant uptick in activity as new customers sign on with the new rules being implemented. We're also exploring new product development to take advantage of new rules that are impacting our market with some new legislation coming in from the EU. With the introduction of our new Chief Sales Officer, we're now planning to expand our sales team significantly to accelerate our growth. Thank you for your time.