Hello, and welcome to ZignSec Group's investor presentation for Q4 2022. In terms of agenda, I plan to take you through a review of what's happened in the business over the last quarter, as well as an update on some of the changes we've been making, an overview of our performance from a financial perspective over the prior quarter, an update on next steps, and finally, a Q&A where we'll be responding to emails we have received from investors at the end of the presentation. Moving into a review of what's happened in the business over the last quarter. In terms of Q4 highlights, ZignSec Group achieved net revenues of SEK 20.8 million over Q4 2022, a decline of 8% on the same period in the prior year. This is a consequence of the turnaround in the group's performance having taken longer than anticipated, but the steps taken were necessary to enable the group to generate sustainable revenue growth going forward. We are starting to witness a pickup in activity across the group, which I'll elaborate on further in the presentation. In terms of our EBITDA, we achieved a loss of SEK 5.6 million during Q4 2022, and are working hard across the group to deliver on our new financial goal of becoming cash flow positive before the end of this year. I wanted to announce some changes that we'll be making to our group structure, our positioning and branding, which although they may seem small, we believe are important. As you know, we've grown rapidly through a series of acquisitions over the past few years, and in order to bring clarity to the group and each of its businesses, we wanted to make a clear differentiation between ZignSec, the group, and ZignSec, the product. For this reason, we are launching ZignSec Group. ZignSec Group is a RegTech provider, enabling businesses operating in the digital economy to meet their KYC and KYB requirements by providing solutions that enhance security and establish trust for both our clients and their end users. In an ever-changing regulatory landscape, we offer the very best KYC and KYB-focused expertise and technology that combines speed, accuracy, and ease of use. Our mission is to enable businesses to streamline and automate their remote onboarding, monitoring, and overall KYC, KYB compliance measures by offering relevant, reliable, and expert-driven solutions that deliver value now and in the future. What makes up ZignSec Group? Well, on the left-hand side, we have Wyzer. This is our platform business that develops process automation tools and workflows. Their technology powers some of our KYC and KYB solutions, as well as being offered directly to customers in a number of markets such as government, financial services, and healthcare. ZignSec is our end-to-end KYC orchestration platform that aggregates best-in-class KYC services globally for a single integration. ZignSec solutions help clients automate their onboarding, verify customer identities, and detect fraud across a range of sectors such as financial services, insurance, healthcare, and iGaming. Finally, Web Shield. Web Shield is one of the leading KYB providers for merchant onboarding and monitoring. We also have established an emerging presence in chargebacks, and they are extending their KYB solutions to address other markets such as insurance, accounting, and legal. A quick view of our key statistics. Over the past few months, we've grown our core management team, which includes myself, Johan Törnqvist, as CFO. We recently recruited Glenn MacDonald as our Chief Sales Officer, and finally, Daniel Grech, who was promoted to CTO very recently. We are a truly international business, serving over 400 clients across 50+ countries from five offices worldwide. We've grown revenue at a compound annual growth rate of approximately 160% over the past five years, and in the last quarter, we processed almost 9 million transactions. Diving into each of the businesses separately, to give an overview of ZignSec, we offer a platform and a portal that automate client onboarding, ID verification, fraud detection, and end-to-end KYC compliance across multiple jurisdictions through a single API connection or via a web browser. In terms of recent developments, we've launched a new PEP and sanction screening tool, and a new online document scanning and liveness solution. We started to witness a significant increase in sales activity with a 500% increase in pipeline in January. More importantly, a 25% increase in new client signings in January alone. Web Shield, they're a pro-provider of proprietary KYB solutions with a leading presence in merchant onboarding and monitoring, and a growing presence in other verticals. Web Shield has four key solutions, which include, on the onboarding side, InvestiGate, a comprehensive suite of modules for onboarding merchants in compliance with the Mastercard scheme rules. Its monitoring tool, Monitor, allows acquirers to continuously monitor their merchants for any relevant changes. We've also recently announced the development of a chargeback portal that connects acquirers and their merchants to Mastercom and Ethoca to manage collaboration requests. Finally, VCU, which is our KYB solution, offered as a managed service that facilitates corporate customer due diligence on a global scale. In terms of recent developments of Web Shield, the new Mastercard rules relating to chargebacks and their implementation have been delayed by over six months, having first meant to be implemented in July. We now understand that the implementation of those rules is set to be launched by the end of Q1 2023, and our first customers are in the pilot phase. Web Shield too has seen a significant increase on the sales side, with a 100% increase in new contract signings in January compared to the same period in the prior year. We're also launching our KYB solution into new sectors, and it's currently utilized in the accounting sector, and we're exploring new markets for its launch. Finally, Wyzer. Wyzer is a process automation technology developer and acts like the infrastructure layer of the ZignSec Group, responsible for developing some of our core technology as well as offering its solutions to other clients. Wyzer is behind v5, our core platform that is offered on the KYC side through ZignSec, a range of workflows that have been productized and are there for the benefit of our SaaS offerings across KYC and KYB. Wyzer is also behind the business registry in Malta, where it's developed the technology that operates the digital Maltese business registry, which can also be leveraged into other jurisdictions. Wyzer is also developing a digital government to business portal for the Maltese government. In terms of recent developments of Wyzer, the Maltese business registry has now been finalized, and we're expecting that to be launched before the end of Q1. Wyzer's also been invited to tender for a government procurement for KYC, leveraging our existing key solutions and demonstrating the core synergies across the ZignSec Group. In line with these new changes, we are launching a ZignSec Group website to provide better clarity on the group as a whole and each of its constituent parts to maximize the potential for all our solutions across existing and prospective clients. The group website serves as the central hub for investor communication, including all investor relations activity. We aim to build on and augment our communication channels with shareholders with the introduction of a newsroom, which will enable investors to follow developments at ZignSec Group more frequently whilst continuing with press releases for more material announcements. Moving into a discussion on the financial performance for Q4 2022. In terms of a year-on-year net revenue comparison, as previously mentioned, we achieved net revenue of SEK 20.8 million in Q4 2022, a decline of 8% on the same period in the prior year. For the 12 months to the end of December 2022, we achieved revenue of SEK 89.9 million, an increase of 69% on the same period of the prior year. In terms of our quarterly revenue, we have, as we previously indicated, we did not achieve our target of SEK 100 million at the end of 2022. The shortfall in net revenue was a result of a number of factors, including restructuring activities, loss of clients in Russia, a delay in the implementation of the chargeback rules. We are, however, starting to experience an upturn in sales activity at the start of 2023, although it will take some time to see the full effects of this increase in activity. In terms of EBITDA, as previously mentioned, we achieved an EBITDA loss of SEK 5.6 million in Q4 2022, and for the full year in 2022, an EBITDA loss of SEK 23.4 million. The decline in revenue during Q4, restructuring costs, and continued investments in product development and growing our sales team has resulted in these continued losses over the period. As I mentioned, we're starting to witness an acceleration in our sales activity, which will translate into revenue growth during 2023. Whilst we did not deliver on our ambition of becoming cash flow positive in Q4 2022, we are working hard to deliver this during the second half of 2023. From a balance sheet perspective, we have completed the outstanding payments due on prior acquisitions, and have one final earn-out payment relating to Wyzer, which can be settled by a payment of cash and shares or shares only. As announced earlier in the quarter, we've raised SEK 20 million of debt capital to enable us to pursue our growth strategy. As at the end of December 2022, we have a cash position of SEK 26.2 million. As we've done in the past, we outlined some of our group financial and operational metrics, breaking down our revenue by each of the segments within the group over the quarter, as well as outlining the average number of customers invoiced on a monthly basis. We also include some metrics on the monthly average revenue per customer, which has slightly declined over the period, and this is as a result of, as I mentioned earlier, of some large clients in Russia and other client loss, which has resulted in a slight decline in the average revenue per customer. On the transaction side, we're seeing an increase in Q4 2022 to 8.9 million transactions processed. In terms of what's next, we've launched several new products and enhanced some of our existing solutions to foster greater demand with existing customers and secure new customer relationships. The introduction of our new CSO is revitalizing our sales team with a rapidly growing pipeline and increasing new client wins. That pipeline also includes a number of potential large customers, which we expect will help drive volumes and further increase our revenue potential. We expect the anticipated launch of the Maltese business registry will start generating recurring net revenue within Wyzer for the first time. We're also exploring new markets for our KYB solutions, which have the potential for significant volumes. Finally, moving on to the Q&A section of the presentation. Firstly, I just wanted to thank all shareholders for all the questions that were raised. Since many of these questions addressed similar themes, we have amalgamated these into some core areas to respond to rather than respond to each and every question, as this will become repetitive. In terms of the sort of first key area or theme, to discuss is communication. In terms of questions, we received a number of questions regarding communication and transparency with shareholders, noting a decline in the frequency of press releases, limited new blog posts on the ZignSec website, and a lack of responsiveness to direct shareholder questions. This raises a number of questions which I'll seek to answer in turn. Whilst we've sought to improve the quality of our communication with shareholders, we wanted to ensure that our existing channels of communication, via regulatory and non-regulatory news announcements, were focused on material items in line with Nasdaq requirements. Since much of the prior year has involved the restructuring of the Group, this type of activity has not generated the regular flow of news that investors may have become accustomed to. We recognize that this reduction in communication may give rise to concerns about what is happening at the Group. We can assure you that a huge amount of work has been going on in the background, even though much of this may not be newsworthy. We've been integrating the entities within the group more closely, closing down activities which are not profitable, establishing a management structure across the group, integrating existing solutions and clients across to our new v5 platform, as well as developing new platforms such as the portal, the chargeback portal, and new services such as the introduction of a new PEP and sanction screening tool, and new document scanning and liveness tool. We've also introduced a group-wide product management strategy with a product roadmap of new services to be introduced in the coming months. Furthermore, we've introduced new leadership to our sales team at a group level, which has reinvigorated our sales team, which we are continuing to grow. We receive a significant number of emails from shareholders asking many different types of questions. While we're greatly appreciative of the support and interest in the group and would welcome the opportunity to engage with shareholders further, it would cause time constraints and distraction given the volume of emails received. We hope that the new communication strategy articulated earlier in the presentation, building on our existing channels for communication, will help answer many of the questions that are raised. A second question that or theme that arose is around branding and questions arising on whether we've considered renaming our subsidiaries to ZignSec to have one unified brand. We have given considerable thought to how best to articulate our group and its brands. We evaluated, but ultimately discounted renaming all group entities under the ZignSec name, as each entity has a strong brand name in the markets in which it operates. This still led to confusion between ZignSec the product and ZignSec the group, which is one of the reasons for launching a ZignSec Group website, so that we can highlight all entities within the ZignSec Group and how they interoperate. A third theme was around our investor relations strategy and asking what we can say around what that strategy will be going forwards and what can be expected by shareholders. We plan to build on and extend our existing investor relations strategy with the introduction of the newsroom and blog that I mentioned earlier in the presentation, that will feature on our new group website. Our existing regulatory and non-regulatory communication channels, which impart news of a more material nature, will be supplemented by this group blog, which will offer regular updates on developments across the group and each of its entities, which would not meet the threshold of a material announcement. Further theme is around product development and products in general. A number of these questions related to recent product releases such as the chargeback portal, MitID, as well as future product development. In terms of the initial portal itself, on the KYC side, the initial portal launch met with mixed results. We've since taken action on these learnings and enhanced the portal by rolling it out for all customers who use our new document scanning solution. The feedback to this so far has been very positive. A further question on the chargeback portal related to the verticals that these clients are in. The chargeback portal is offered exclusively to acquiring banks, who in turn place their portfolio of merchants on that platform. The rollout of the chargeback portal has been slower than anticipated. The implementation of the new rules relating to chargebacks have been delayed several times from July, but we understand these rules will be implemented in Q1 2023. On the MitID side, this has been one of our fastest growing KYC solutions. We have also introduced a workflow for our customers that supports both MitID and NemID identification simultaneously, and we expect to see increasing volumes from this product. In a competitive market such as RegTech, we do not think it will be sensible to outline our product development plans in such a public way, which is why I won't be responding to those questions that were raised. However, what I can say is that our product development approach includes adding new features to our existing solutions, adding new services to our platforms, as well as developing new products to address new or existing markets. We are continuously innovating and leveraging our industry expertise to maintain a competitive edge. We've recently launched two new services in 2023, including the new PEP and sanction screening service and the new document scanning and liveness service, as well as introduce a product management team across the organization. Our product roadmap envisages a number of new services and releases being introduced in the coming months. We will plan to announce this on our new group blog once they are launched. We've also had questions around financial targets, with questions asking us to outline our financial goals for this year and the years ahead. We will not be providing guidance on our targets for the current financial year or further afield, as this is not in keeping with best practice with the regulatory rules. We have indicated that we are aiming to become cash flow positive in 2023. We are working hard to make this a reality. One of the financial questions asked what measures we will be putting in place to increase recurring revenue, which we are able to expand on further. Our revenue is generated through a mix predominantly of subscription-based and transactional-based revenue. We're adopting a multipronged approach to sales, with small to mid-size customers being our bread and butter. These clients are typically quicker to sign up and start generating volumes, albeit smaller volumes. We're also focusing well-known brands with large volumes or clients with smaller volumes which have the potential to grow into much larger volumes. These clients have a much longer sales process and tend to be slower in growing volumes, the revenue potential for these clients is much more significant. In addition, we seek to build partnerships, typically with much larger organizations, which can help us access new markets or territories with our products. These relationships take time to bear fruit and are dependent on the success of the partner, but the potential volumes are of a totally different order of magnitude. The combination of a multipronged sales approach, a growing sales team, and expert-driven solutions is translating into greater sales activity, both at the pipeline level as well as new customer wins. With several large brands in an advanced stage of discussion, we expect to see some of these convert as well in the near future. That being said, it usually takes time for a client to onboard, integrate, and then start processing volumes, particularly so in the case of larger customers, which means there is a lag between signing clients and seeing the anticipated revenue streams from those contracts. The final area or theme is bucketed into and within that, we have one question around what is our current M&A strategy, given that was something we were very active on in the past. Whilst we have grown through multiple transactions over the previous few years, we've spent the last nine months integrating those acquisitions and consolidating our position. Our priority at this stage is to focus on delivering a cash flow positive result, but we will continue to evaluate M&A targets on an opportunistic basis. The final question surrounds what verticals our customers come from and which account for the most revenue. Whilst it's not possible to discuss a financial breakdown of our target markets, some of our solutions have wide applicability, but we tend to focus on regulated markets which have the most need for our solutions. Key sectors for us include financial services, healthcare, insurance, e-commerce, iGaming, and legal and accounting services. We continue to evaluate which markets are most suitable for our products as well as new solutions. With that, I wanted to thank you very much for your time today. Thank you and goodbye.