Cal- Leading in digital financial technologies Cal believes that Innovation and Technology are important key success factors in the changing landscape of the Banking and Financial Services industry, as well as in many other aspects of our lives. Cal's approach is that innovation and technology have to serve the business, and not vice versa, i.e. shall eventually provide real value to the customer. Under this approach, Cal has been investing a lot in developing digital solutions, in order to help its customer to get whatever they need, and to get it quickly, personalized, anytime and anywhere. Within the last few years Cal has launched several award winning digital solutions, some are based on self-developments where others have been implemented via cooperation with 3rd party technology vendors, startups and entrepreneurs. Cal strongly believes in Open Innovation and is constantly seeking for new ideas, technologies and collaborations, to enable us to fulfil our vision and our customer centric approach. Cal issues and clears leading global brand credit cards: Visa, MasterCard and Diners Club (marketed exclusively by Cal) and pro¬vides non-bank credit to its customers. Since 2012, the company also clears IsraCard. Cal employs over 1,500 employees in its Givatayim, Ashdod and Modi’in Illit offices, who provide financial solutions and professionally service over 2 million cardhold¬ers and tens of thousands of businesses. The com¬pany is owned by Israel Discount Bank (72%) and First International Bank of Israel (28%). What’s Good for Me - Vision and Financial Solutions Cal strives to responsibly and pleasurably realize its customers’ dreams, needs and desires, anytime, anywhere. In accord with this vision, the company offers its customers a wide array of financial tools and non-banking credit products. In line with this approach that puts the customer at the center, Cal implemented a customer-focused organizational infrastructure, in order to provide comprehensive services to all customer sectors.