0","branch":"master"},"links":{"self":{"href":". Countries served. Osterreich. Norge. +46 (0)70-961 15 83. Trustly Group AB conducts payment services in accordance with the Swedish. Polska. Nederland. Nederland. There is a bug in Revolut system, that they do not generate different ID's to another transaction when using the same saved transaction option to quickly send money by changing only amount of funds. Sverige. {"meta":{"product":"brxm","version":"1. no. 1. Trustly uses the same secure encryption as banks. Ph. Download the report to learn more about:. Lietuva. Trustly Group AB conducts payment services in accordance with. US. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. 0","branch":"master"},"links":{"self":{"href":". Ved at ansøge om betaling via faktura bekræfter jeg at være blevet informeret om overdragelsen. Trustly’s Stuart Barclay together with Matteo Gamba, leading the Payments team at Wayfair, discussed localizing payment methods to drive revenue. Sverige. Trustly Group AB conducts payment services in accordance with the Swedish. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. Learn more about Trustly's mission, history, and the leadership behind the push toward a payments landscape led by Open Banking. With a merchant base of 8,000, refunds are paid instantly to consumers from the merchant’s balance with Trustly: Trustly research found 95% of consumers report same-day refunds make them more. Suomi. . US. Location & Status. Tarkasta siis tältä sivulta parhaat Trustly nettikasinot ja et voi mennä vikaan kasinon valinnassa. Norge. Osterreich. . Trustly integrates with banks to collect funds locally across Europe and offers real-time reconciliation through proprietary integrations to these accounts. El. Latvija. Top Competitors of Trustly. Sverige. Our story Sustainability Press; Careers. The same ID got Trustly Group AB and my transaction is stuck because of the same ID for transferig 7€ and 20€. , Įm/k) - organizacijos identifikacinis numeris sudarytas iš 7 ar 9 skaitmenų, naudojamas, pateikiant informaciją apie organizaciją, sudarant sandorius; specialus kodas, kurį gauna užregistruotas subjektas. {"meta":{"product":"brxm","version":"1. Sverige. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Trustly is a global payment method. Last Name. Trustly Group AB (corporate identity number 556754-8655) is an authorised Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Estonia. UK. Osterreich. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Suomi. Latvija. 0","branch":"master"},"links":{"self":{"href":". Dabiski, ka mēs esam arī. Lietuva. . Trustly on pankeista riippumaton digitaalinen maksunvälityspalvelu, jonka kautta kuluttajat voivat maksaa tilauksensa nopeasti, helposti ja turvallisesti suoraan pankkitililtään. Stockholm, Sweden, June 28, 2023 - Trustly, the global payment method, consolidates its 2022 financial results, demonstrating good progress in line with the re-focused strategy including strong underlying growth in particular related to the US business, and significant investments in building the new Trustly, including in the. @trustly. nr. Activity 6. Lietuva. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Suomi. Virksomheder med lignende produkter og tjenester samt med detaljerede oplysninger. Radmansgatan 40, 11357 Stockholm, Švédské království. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). For Businesses. Trustly Group AB conducts payment services in accordance with. $289. Sverige. Flywire Corp. Dabiski, ka mēs esam arī. 0","branch":"master"},"links":{"self":{"href":". Stockholm, Sweden, June 28, 2023 - Trustly, the global payment method, consolidates its 2022 financial results, demonstrating good progress in line with the re-focused strategy including strong underlying growth in particular related to the US business, and significant investments in building the new Trustly, including in the technological. Its account-to-account network supports 6,300 banks, reaching 525 million consumers and bypassing the card networks. {"meta":{"product":"brxm","version":"1. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority. Get unfettered access to all of these findings and more in our latest report. Sverige. Osterreich. drošums ir mūsu prioritāte. {"meta":{"product":"brxm","version":"1. Konsulentvirksomhed vedrørende hardwareTrustly Group AB Belgian company, Company number: 0686. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Tālrunis. 1,000. 588. Trustly Group AB (corporate identity number 556754-8655) is an authorised Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). 0","branch":"master"},"links":{"self":{"href":". Family, Wills, and Estates, & Real Estate LawShipley Group, Victoria, British Columbia. First name. Polska. US. Norge. Trustly Group AB. Trustly Group is a Swedish fintech company founded in 2008. Trustly was set up in 2008, by Trustly Group AB, Sweden, a FinTech company that offers secure online e-payments. Victoria BC Canada. Nr. lv. com Registrar URL: Updated Date: 2023-08-08T01:12:36Z Creation Date: 2006-08-12T14:43:22Z Registrar Registration. En ole kyllä mitään ostanut. 0","branch":"master"},"links":{"self":{"href":". Trustly Group AB conducts payment services in accordance with. Oscar Berglund, CEO of Trustly, says: “As demand for cross-border payment solutions proliferates, John will play a key role in capturing the immense business opportunity for Trustly worldwide. . With forty years of experience in helping companies with their liquidity, Svea is the natural choice for many entrepreneurs when they need a financing partner. . 4. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Suomi. Du kan kontakta våran Konsumentsupport genom att först klicka på en av Kategorierna ovan, sedan hittar du en grön ruta nere till höger. Trustly Group AB conducts payment services in accordance with the Swedish. Du kan hitta mer information om Trustly Group AB på trustly. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. US. 0","branch":"master"},"links":{"self":{"href":". Der stod de på kontoen før jeg nåede at åbne netbanken efter udbetaling. Minkäänlaista email-kuittausta ei tullut Trustlyltä eikä myöskään PayPalilta. Soaring to new heights. Polska. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Get access to valuable information, trends and insights in this must-have report. Trustly and Ecospend together become the leading Open Banking payments company in the UK, featuring connectivity with over 80 banks and a. Įmonės kodas privalo būti spausdinamas juridinio asmens oficialiuose dokumentuose. “We want to be the clear alternative for open banking payments in. Popular Searches Trustly Inc Trustly Trustly Group AB Trustly Group Trustly, Inc (Previously PayWithMyBank) SIC Code 61,615 NAICS Code 54,541 Show More. Lietuva. With the addition of Trustly, our clients can offer their international customers a fast and easy way to. Trustly ir tiešsaistes maksājumu pakalpojumu sniedzējs, kas ļauj ātri, vienkārši un droši pārskaitīt līdzekļus Eiropas klientiem. There are not enough reviews of TRUSTLY for G2 to provide buying insight. De betaalmethode die ze hebben ontwikkeld bewijst zich al jaren. Norge. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Polska. Kā jau minēts iepriekš, galvenais Trustly mērķis ir savienojums starp Jūsu bankas kontu un uzņēmumu, kur Jūs veicat savu maksājumu. 0 (THE “TERMS”) May 25, 2022. Trustly Group AB conducts payment services in accordance with. e-pasts. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Tato stránka obsahuje informace o firme Trustly Group AB, které jsou uvedeny ve veřejných rejstřících a. 0","branch":"master"},"links":{"self":{"href":". Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Upptäck det moderna sättet att betala. UK. Finansinspektionen issues an injunction to Trustly Group AB that by 30 November 2022 it must treat the natural persons that enter into a contractual agreement with Trustly in order to make a payment and whenIn het verleden bood Trustly Group AB alleen de mogelijkheid aan om directe stortingen te doen bij verschillende online casino’s en werd het niet vermeld als een uitbetalingsservice. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). . Lietuva. With Trustly, you can accept payments, issue payouts and access valuable user insight data. Why Trustly. UK. com. Det är ett snabbt, enkelt och säkert sätt att betala direkt från ditt bankkonto. The global streaming market has never been so exciting and competitive, and innovation in all areas, from our platform to our brand, is vital. Lietuva. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. Osterreich. US. Alun perin nimellä Glue Pay toiminut Trustly Group perustettiin Ruotsissa vuonna 2008 ja tätä nykyä palvelu on käytettävissä jo 29 maassa ympäri maailman. Sverige. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. US. Lietuva. Trustly Group AB Norrtullsgatan 6 113 29 Stockholm Sweden. . Osterreich. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Founded in 2008, Trustly today supports 3,300+ banks across 29 European countries, and aims to make online banking payments and transfers between businesses and consumers fast, simple and. lv. Sverige. . Trustly Group AB conducts payment services in accordance with the Swedish Payment. Siden har der gået 3-4 dage. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. . Luotettavan White Hat Gamingin kasino. Sverige. Norge. Osterreich. com. [3] Trustly tar, med vissa reservationer,. Trustly Group AB conducts payment services in accordance with the Swedish. 1. Latvija. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Norge. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. Trustly følger det svenske finanstilsyns generelle retningslinjer omkring klagehåndtering (FFFS 2002:23) og behandler klager i overensstemmelse med de gældende regler. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Nederland. Du kan kontakta företaget via e-post på contacto@trustly. Contact sales Consumer support Webinar On-Demand. Sverige. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). {"meta":{"product":"brxm","version":"1. 0","branch":"master"},"links":{"self":{"href":". Region: Stockholms län. EU. Norge. Osterreich. Norge. Osterreich. Osterreich. Polska. Suomi. Potete completare il pagamento senza uscire dal nostro sito web. OrderID/Reference. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. Tā arī ir galvenā priekšrocība, jo Trustly to dara Jūsu vietā kā starpnieks. In the US, we are state regulated as required to serve our target markets. 0","branch":"master"},"links":{"self":{"href":". Your last name. Nederland. com. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. , the North American division of Trustly Group, told PYMNTS’ Karen Webster in an. Polska. Nederland. Kommune: Stockholm. UK. Suomi. Sverige. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. Muutama päivä sitten tililtä lähti 32€ euroa trustly group Ab niminen yritys. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). The changes, which have already started to be implemented, mean that Trustly in Europe. US. Radmansgatan , 113 29, Stokholmas. 556754-8655, with address at Rådmansgatan 40, floor 5 113 57 Stockholm, Sweden, (”us”, “Trustly") on the terms and conditions set out below (the “Terms”). . Norge. Dokonce od roku 2009, kdy společnost expandovala mimo. It usually looks like a shortened version of that bank's name. Osterreich. Trustly on verkkopankkimaksujen ratkaisu, joka mahdollistaa nopeat ja turvalliset maksut ilman rekisteröitymistä tai korttitietoja. Polska. Pašlaik Trustly atbalsta vairāk nekā 3 300 bankas 29 Eiropas valstīs. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. Country code A-Z 2 letters representing the country the bank is in. How Norwegian's drive to innovate has helped them increase speed, lower costs, and become more efficient{"meta":{"product":"brxm","version":"1. Latvija Lietuva Nederland. 0","branch":"master"},"links":{"self":{"href":". Latvija. Trustly is a global payment method. Latvija. Polska. Suomi. Trustly Group AB conducts payment services in accordance with. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. Activity. The Trustly brand of online payment processing service is owned and operated. {"meta":{"product":"brxm","version":"1. US. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. Radmansgatan 40, 11357 Stockholm, Švédské království. Suomi. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Suomi. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. {"meta":{"product":"brxm","version":"1. Finn ut mer om hvordan Trustly fungerer og hvorfor det er et smart valg for deg. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU). Norge. You can complete your payment without leaving our website. Trustly Group AB (corporate identity number 556754. UK. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. Lietuva. Healthier checkouts mean better business. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). {"meta":{"product":"brxm","version":"1. US. Uusi Trustly kasino. com. 1. Lietuva. Reģistrācijas numurs 45002 Juridiskā adrese Rådmansgatan 40, 113 57 Stockholm Izcelsmes valsts Zviedrija Uzraugošā iestāde Tirgus segmenti. Find out what personal data we collect, how we use your personal data and for how long we process it. US. Customer Highlight. Chatten finns tillgänglig på Svenska samt Engelska och är bemannad av våra supportagenter på vardagar mellan 09:00 och 16:00. Nuoresta iästään huolimatta Trustly-kasinot ovat siis jo ehtineet valloittaa alaa nopeasti. Trustly Group AB. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. Trustly følger det svenske finanstilsyns generelle retningslinjer omkring klagehåndtering (FFFS 2002:23) og behandler klager i overensstemmelse med de gældende regler. Trustly Group AB (corporate identity number 556754-8655) is an authorised Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). For. [1] [2] Trustly is an open banking payment method that allows customers to shop and pay from their online bank account, without the use of a card or app. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. Latvija. Polska. Nederland. 0","branch":"master"},"links":{"self":{"href":". Nederland. Latvija. Thank you for contacting Trustly! In order to provide you with the quickest and most reliable support, we will respond to your question in English. Business Personal. ninja casino . Suomi. Polska. Polska. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. Trustly is subject to assessments by regulatory authorities as a normal part of its business. Latvija Lietuva Nederland Norge Polska Österreich Suomi Sverige US About. Rådmansgatan 40 5tr. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Trustly’s Support function is fully optimized to increase accessibility and self-service for merchants and consumers. Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. Trustly is available for payers with bank accounts in: Denmark. {"meta":{"product":"brxm","version":"1. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Founded in 2008, Trustly Group AB is a Swedish FinTech company that makes online banking e-payments fast, simple and secure. 0","branch":"master"},"links":{"self":{"href":". US. Lietuva. Founded in 2008, Trustly today supports 3,300+ banks across 29 European countries, and aims to make online banking payments and transfers between businesses and consumers fast, simple and secure. Trustly Group AB świadczy usługi płatnicze zgodnie ze szwedzką ustawą o usługach płatniczych (2010:751) oraz nowszą dyrektywą (UE) 2015/2366 w sprawie usług płatniczych (PSD2) i może oferować ponadgraniczne usługi płatnicze na terytorium UE/EOG. Lietuva. Its account-to-account network supports 6,300 banks, reaching 525 million consumers and bypassing the card networks. Du kan kontakta företaget på 08-39 17 75. Suomi. co. Sindssygt ringe service. Osterreich. SE - code belongs to Sweden. Lietuva. You can also visit the Trustly EU Help Center to find answers to frequently asked questions. Latvija. 4. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. Anonyymi-ap. Monipuolisen palvelun kautta kuluttajat ja. US. Latvija. Trustly Group AB conducts payment services in accordance with the Swedish. Trustly Group AB conducts payment services in accordance with the Swedish. US. Help. {"meta":{"product":"brxm","version":"1. k. lv. Trustly Casinos. Trustly group Ab vienyt tililtä 32 euroa vaikka en ole mitään ostanut. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. UK. Products. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). . Trustly is actively optimizing payments while considering these factors, allowing for merchants to offer a great customer experience coupled with low risk and an instant payments offering. Du kan kontakta våran Konsumentsupport genom att först klicka på en av Kategorierna ovan, sedan hittar du en grön ruta nere till höger. info@bank. How to get your e-commerce checkout ready for the most important promotion season of the year. Sverige. We hold a European Payment Services Provider (PSP) license in accordance with the Payment Services Directive (PSD, 2007/64/EC) and directive (EU) 2015/2366 on payment services (PSD2). Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. Trustly Group AB, a payment institution, offers e-Payment products for online merchants and electronic marketplaces in Denmark, Finland, Spain, and Sweden. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). For our North American customers, those whose financial institution is in North America, our Trustly North American support advisors are available to help you 24 hours a day, 7 days a week. 0","branch":"master"},"links":{"self":{"href":". Trustly Group AB conducts payment services in accordance with the Swedish. Latvija. The company serves wealth management, lending, digital banking, accounting, payments, and crypto industries. {"meta":{"product":"brxm","version":"1. Nederland. Trustly Group AB (corporate identity number 556754-8655) is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Trustly Group AB conducts payment services in accordance with the Swedish Payment Services Act (2010:751) and Directive (EU) 2015/2366 on payment. . Trustly Group AB conducts payment services in accordance with the Swedish. Norge. Trustly is an open banking payment method that allows customers to shop and pay from their online bank account, without the use of a card or app. Finally, after long hours of. And, why seamless cross-border payouts are vital to modern businesses. Trustly Group AB (yritystunnus 556754-8655) on Ruotsin Finanssivalvonnan (Finansinspektionen) alainen ruotsalainen maksulaitos, jolla on maksulaitostoimilupa. Our story Sustainability Press; Careers. Suomi. 0","branch":"master"},"links":{"self":{"href":". Kas ir Trustly? Trustly ir tiešsaistes maksājumu pakalpojumu sniedzējs, kas ļauj ātri, vienkārši un droši pārskaitīt līdzekļus Eiropas klientiem.