Bridging electronic payments in emerging markets
New business solutions are thriving as traditional banking 
environments transition rapidly from cash to electronic payments 
and transactions.
hile credit is used for electronic transactions in W estern Europe and North America,
the model is quite different in many “cash-based” economies around the world. And that’s
where Euronet continues to look for new opportunities – particularly in the emerging 
markets of Central Europe, the Middle East, Africa, 
Asia-Pacific, Latin America and the Caribbean.
Although bank card use is just starting in these markets, the demand 
for non-cash payment is gaining momentum. The foundation for this 
marketplace is rapidly taking shape with greater technology support,
well-designed infrastructure and rapidly growing networks, as well 
as a critical mass of users. So the shift to new electronic payment 
channels is on, and the number of electronic financial transactions 
has grown tremendously. 
Euronet Worldwide continuously monitors cash-based economies to 
identify their readiness to embrace electronic payment and transaction
alternatives. With ATM, point-of-sale (POS), interactive voice response
(IVR), Internet, mobile solutions and other innovative payment options,
we can play a vital role in developing the electronic payments fabric 
of these countries.
In Greece, we are delivering ATM outsourcing solutions for a number 
of multinational banks with Greek operations. For Credigen Bank in
Hungary, we are helping to open up the consumer credit market to a 
new base of shoppers who can perform POS and ATM transactions 
over Euronet’s network. And in the Czech Republic we are providing 
outsourcing services for ABN AMRO’s Visa Charge Card Program.
Looking ahead, we see great potential for extending Euronet’s brand into cash-based markets and for connecting 
a new world of users to dynamic transaction services.
10
The Promise of
Emerging Markets
Expanding Poland’s
Payment
Infrastructure
Although still under-
developed compared to western economies,
Poland is one of the most dynamic and
promising markets in all of Europe.
Since entering Poland in 1995, Euronet
Worldwide has become one of the largest
transaction processing service providers in
the country, establishing a network of over
600 ATMs and providing software to eight
major banks. Our agreement for electronic
airtime distribution with all three mobile
phone operators in the country – ERA GSM,
Plus GSM and IDEA Centertel – further 
confirms that Euronet is embedded in the
financial payments fabric in Poland.
W
INDUSTRY TRENDS SPOTLIGHT