????????

??????? ????
?????	???????
???????	1999
????????	3 ?????? 2020
?????	??? ????? ? ???? ????
????? ????????	?????????????
????? ???????	?????? ; ??? ???????
???? ?????	wirecard.com (??????????)
??????? ???????	So1 GmbH (en) ; Wirecard Bank AG (en) ; Wirecard Card Solutions Ltd (en) ;
???????	??????? ... Orange Bank (en) ? ?????? ?????? ??????? ????????? ? ?????? ? ???? ? ??? ???? ? Flughafen Munchen GmbH (en) ? ????????? ? Telefonica Deutschland (en)
???????	????? ?????
?????? ????????	???? ???? (2020 ? 2020)
??????	Thomas Eichelmann (en)
????????	5?154 (2018)
???????	????? ????????? (WDI) ;
????????	2.02 ????? ???? (2019)

Wirecard AG ?? ????? ??? ?????? ????? ????? ????? ??? ?????? ?? ????? ????????? ???? ?? ???? DAX ? ???? ???? ??????? ?? ?????? ?? ????? ?????? . ???? ?????? ???????? ????? ??????? ????? ?????????? ?????? ??????? ? ????? ????? ??????? ???????? ???????. ?? ????? 2020? ????? ???? Wirecard AG ?? ??? 1.9 ????? ???? ?????. ^[1] ??? ????? ????? ?? 22 ????? 2020 ^[2] ??? ????? ??? ?????? ???????? ?????? ???????? ??????? ?????? ????? ? ?? ??? ?????. ^[3]

?? 25 ????? 2020? ??? Wirecard ????? ??????? ^[4] ? ???? ????? ?? ???????? ????????. ^[5]

Wirecard Card Solutions Ltd. (WDCS) ?? ???? ????? ??? ????? ??????? ?? ??????? ???? ????? ??????? ???????? ?? ????? ?????? ??????????? ???? ???? ??? ?????? ?????? ????????. ??? ???? ?????? ?? ??????? ????? ??? ?????? ??????? ?????? ????? ??? ?????? ??????? ????? ?? Wirecard . ?? 26 ????? 2020? ???? ???? ?????? ?????? ?????????? ??????? ^[6] ^[7]

????? ???? Wirecard Bank AG ??????? ???? ?????? ???????? ???????? ??? ???????? ?? ???? ?????? ???? . ????? ??? ???? ????? ???? ?? ??????? ?????? ? Discover / Diners ?JCB ??????? ??? ??? ?? ???? ?? ??????? ??? ??????. ?? ???? 2017? ??????? Wirecard ??? ????? ????? ???? ???? ???????? ?????? ^[8] ?????? ???????? ?????? ???????? ? ??? ????? ????????? ???????? ?????? ???? ?????? ????? ???????? ????? ??? ??????? ???????? ??? ????? ?????????.

?? ????? 2020? ???? ???????? ??? ???? ????? ??? ?????? ???????? ?????? ?????. ^[9] ??? ????? ??? ???? ?????? ??????? ??????? ????? ????.

?? ????? 2020? ?? ????? ?? ?? 1.9 ????? ???? ≪?????≫? ??????? ??? ?????? ???? ?????? ???????? ????? ???????? ????? ?? ????? ??? ?????.

??? ???????? ???? ???? ???? ????. ???? ???? ??????? ??? ?? ??????? ??? ???? ???? 1.9 ????? ????. ^[10] ?? ????? ??????? ????????? ?????? ??? B3 ?? 19 ????? 2020 ??? ????? ??? ??????? ??????? ??? 3 ????. ^[11]

??????? [ ??? ]

????? ?????? ??? 1999. ??? ??? 2002? ????? ??? ??? ??? ??? ????? ????? ???????? ? ???? ?????? ????? ?????? ???? ???? ?????? ????????. ??? ?????? ???? ????? ??????? ??? ????? ????? ????? ??? ????????? ???? ????? ?? ??????? ???????? ?????????. ^[12]

????? ?????? [ ??? ]

?????? ?????? [ ??? ]

??????? [ ??? ]

?? ??? 2018? ??? ???????? ???????? ?? ????? ????????? ???????: ???? ?????? ???????? ?? ?????? ?????

??????? [ ??? ]

?? ????? 2020? ???? Wirecard ?? 1.9 ???? ??? ????? ?? ?????? ??? ??? ??? ?????? ??? ?????. ????? ?? ????? ????? ? ???? ??? ????? ???????? ≪???? ??????≫? ??? ??? ??? ??? ???? ??????? ??????? ??? ??? ????? ?????? ???? 2019. ??? ????? ???? ???????? ??? ≪???? ???? ???? ?? ?????? ?? ??? ????? ?????≫. ^[13] ??? ?????? ?? ???????? ???? ????? ??????? ??????? ????? ?? ????? ??? ?????? ??? ??????. ?????? ????? ?????? ???? ??? ???? ???? ????? ?? 72 ?? ??? ??? ??? ??????? ?????? ???????? ?????? ????? ?? ?????? ???? ????. ^[14] ?? 25 ?????? ??? ???????? ????? ??????? ???? ≪??????? ?? ?????????≫. ^[15]

?????? ?????? [ ??? ]

???????? ?? ???? ???? ?????? ????? ?????????? ?????? ???????. ???? ???? ???? ???????? ???????? ?? ?????? ????? ??? ?????? ??????? ???????? ??????????? ???????? ?????????? ???????. ????? ??? ???? ?????? ??? ??? ????? ???????? ????? ??? ??????? ??????????? ???????? ??? ??????? ????? ?? ????? ?????? ( ???? ????? ). ?? ??? ????????? ???? ???????? ?????? ???????? ?? 280.000 ???? (???????? ?? ?????? 2018)? ^[16] ??? ?? ??? ?????? ? ^[17] ?????? ?????? ??????? ????????? ? ?????? ?????? ??????? ? ^[18] ????? ????? ?? ???? . ??? ??? ????????? ?? 2018 125 ????? ????? ??????. ^[16] ?? ????? ????? ?? ??? 2019? ??? ??? ????????? ????? 37.5 ??????? ???? ??? 77.3 ????? ????. ^[19]

????? ??? ??????? ???????? [ ??? ]

??????? ??????????? [ ??? ]

????? ???? ??????? [ ??? ]

??? ??? ????? ????? [ ??? ]

????????? ??????? [ ??? ]

???????? [ ??? ]

???????? ??????? [ ??? ]

???????? ??????? ??????? ?????? ^[20]

???	2013	2014	2015	2016	2017	2018
???????	482	601	771	1,028	1,490	2,016
???? ?????	83	108	143	267	260	347
??????	1,431	1,995	2,935	3,482	4528	5855
????????	1,025	1,750	2,300	3,766	4449	5,300

???? Wirecard ?? 22 ????? 2020 ?? ???????? ??????? ??????? ??????? ?? ???? ??? ?????. ^[21]

????? ??????? [ ??? ]

???????? ?? ???? ?????? ????? ?? ??? 1999? ????? ?? ???? ??????? ?? ???? ????? ?????? ??? ??? 2017.

???? ????? ????????? ?? ??? 2017 ??? ???????? ?? ????????? ??? Citi Prepaid Services. ^[22] ??????? ????????? ??? ???? MOIP ?????????? ?? ??? 2016. ^[23] ?? ????? ??????? ?? ??? 2015? ???? ????? ??????? ?? ???? ????????? ??? ????? ????? ?????? ??????? Great Indian Retail Group. ???? Wirecard ??? ????? ???????? ?? ????? ???? ??????? ?????? ?????? ?????? ???????? ??? ??? 2014. ^[24] ^[25] ^[25] ^[26] ^[27]

???? ????? ????? ???? ????? Wirecard ??????? (??? ?????):

???? ?????	?????	???
Wirecard Bank AG	Aschheim	???????
Wirecard Technologies GmbH	Aschheim	???????
Wirecard Retail Services GmbH	Aschheim	???????
Wirecard Global Sales GmbH	Aschheim	???????
Wirecard Communication Services GmbH	???????	???????
?????? Wirecard ?????????	??????	?????????
???? ????? Wirecard ????????	??????? ???? ????	??????? ???????
Wirecard Central Eastern Europe GmbH	?????	??????
Wirecard SA	???????	???????
Wirecard Odeme ve Elektronik Para Hizmetleri A. ?.	???????	?????
Wirecard Processing FZ LLC	???	???????? ??????? ???????
Wirecard Singapore Pte Ltd	????????	????????
???? ????? Wirecard ??????? ???? ??????? ????????? Bhd	????? ??????	???????
Wirecard ????? ?????? ????????	??????	?????
Wirecard NZ Limited	???????	?????????
Wirecard ???? ???? ????????	???? ????	????? ???? ???? ???????? ??????
Wirecard Africa Holdings Proprietary Ltd	??? ????	???? ???????
Wirecard Brasil SA	??? ?????	????????
???? Wirecard North America Inc.	Conshohocken	???????? ??????? ?????????
Wirecard ??????? ??????? ????????	????	???????
Wirecard ???????? A&I Pty Ltd	??????	????????

????? [ ??? ]

^ "News detail | Wirecard" . ir.wirecard.com . ????? ?? ????? ?? 2020-06-28 . ???? ???? ?????? 2020-06-25 .
^ Storbeck? Olaf? McCrum? Dan? Palma? Stefania (22 ????? 2020). "Wirecard fights for survival as it admits scale of fraud" . ????????? ????? . ????? ?? ????? ?? 2020-06-25 . ???? ???? ?????? 2020-06-22 .
^ "Former Wirecard CEO Markus Braun arrested" . ?????? ???? . 23 ????? 2020. ????? ?? ????? ?? 2020-06-26 . ???? ???? ?????? 2020-06-23 .
^ "Wirecard: Scandal-hit firm files for insolvency" . BBC News (??????????? ??????????). 25 Jun 2020. Archived from the original on 2020-06-28 . Retrieved 2020-06-25 .
^ Cite news|date=27 June 2020|title|Germany's beleaguered Wirecard to proceed with business after insolvency |work=Reuters|url= https://www.reuters.com/article/us-wirecard-accounts/germanys-beleaguered-wirecard-to-proceed-with-business-after-insolvency-idUSKBN23Y0QQ ???? ?????? 2020-06-28 ??? ???? ??? ??? ???? .
^ Requirements have been imposed on Wirecard’s authorisation | FCA ???? ?????? 27 ????? 2020 ??? ???? ??? ??? ???? .
^ Wirecard UK ordered to freeze customer funds by finance regulator | Business | The Guardian ???? ?????? 27 ????? 2020 ??? ???? ??? ??? ???? .
^ "Wirecard Acquires Citi Prepaid Card Services" . PYMTNS . 13 ???? 2017. ????? ?? ????? ?? 2018-07-06 . ???? ???? ?????? 2018-07-05 .
^ "Subscribe to read | Financial Times" . www.ft.com . ????? ?? ????? ?? 2020-02-06 . ???? ???? ?????? 2020-02-06 . {{ ??????? ??? }}: ????????? ?????? ????? ??? ( ?????? )
^ "Wirecard says missing €1.9bn may not exist" . BBC News (??????????? ??????????). 22 Jun 2020. Archived from the original on 2020-06-26 . Retrieved 2020-06-22 .
^ "Wirecard AG Credit Rating" (??????????? ??????????). Archived from the original on 2020-06-23 . Retrieved 2020-06-25 .
^ Dohms, Heinz-Roger (23 Feb 2017). "Die ganz spezielle Geschichte Wirecards" . manager magazin (??????????). Archived from the original on 2020-05-20 . Retrieved 2020-06-25 .
^ McCrum? Dan? Storbeck? Olaf. "Wirecard says €1.9bn of cash is missing" . ????????? ????? . ????? ?? ????? ?? 2020-06-26 . ???? ???? ?????? 2020-06-18 .
^ Davies? Paul J. (19 ????? 2020). "Wirecard CEO Resigns After Banks Say Missing $2 Billion Doesn't Exist" . ??? ????? ?????? . ????? ?? ????? ?? 2020-06-22 . ???? ???? ?????? 2020-06-19 .
^ Dan McCrum, Olaf Storbeck, Stefania Palma, John Reed in Bangkok (25 ????? 2020). "Wirecard collapses into insolvency" . Financial Times . ????? ?? ????? ?? 2020-06-28 . ???? ???? ?????? 2020-06-26 . {{ ??????? ???? }}: ????? ?????????: ????? ??????: ????? ???????? ( link )
^ ^? ^? "Hauptversammlung 2019" (PDF) . Wirecard . ????? ?? ????? (PDF) ?? 2020-06-28 . ???? ???? ?????? 2019-07-30 .
^ "Allianz and Visa launch mobile payment and loyalty app" . Finextra. ????? ?? ????? ?? 2018-07-04 . ???? ???? ?????? 2018-07-03 .
^ "Qatar Airways, Wirecard team on Alipay acceptance in Middle East and Africa" . PaymentsSource . ????? ?? ????? ?? 2018-07-04 . ???? ???? ?????? 2018-07-03 .
^ "Half-Year Financial Report 2019- Wirecard AG: Continued Strong Growth" . Markets Insider. ????? ?? ????? ?? 2019-09-27 . ???? ???? ?????? 2019-09-27 .
^ "Wirecard Bilanz, Gewinn und Umsatz | Wirecard Geschaftsbericht | 747206" . wallstreet-online.de . ????? ?? ????? ?? 2018-11-05 . ???? ???? ?????? 2019-05-02 .
^ "Wirecard AG: Statement of the Management Board about the current situation of the Company" . Wirecard Investor Relations . Wirecard. ????? ?? ????? ?? 2020-06-26 . ???? ???? ?????? 2020-06-22 .
^ "Wirecard completes Citi Prepaid acquisition ≫ Banking Technology" . www.bankingtech.com . ????? ?? ????? ?? 2018-11-25 . ???? ???? ?????? 2017-07-17 .
^ "Wirecard buys Brazilian online payments firm for 23.5 million euros" . Reuters . 22 ?????? 2016. ????? ?? ????? ?? 2019-03-29 . ???? ???? ?????? 2017-07-17 .
^ "Wirecard AG announces its market entry into North America by the acquisition of Citi Prepaid Card Services" . www.wirecard.com . ????? ?? ????? ?? 2020-06-19 . ???? ???? ?????? 2017-07-17 .
^ ^? ^? "Wirecard acquires Brazilian online payment service provider" . www.wirecard.com . ????? ?? ????? ?? 2020-06-19 . ???? ???? ?????? 2017-07-17 .
^ "Wirecard acquires payments business of Great Indian (GI) Retail Group" . www.wirecard.com . ????? ?? ????? ?? 2020-06-19 . ???? ???? ?????? 2017-07-17 .
^ "Britain is getting MORE banking app startups ? can they all survive?" . Business Insider (???????????). Archived from the original on 2020-06-23 . Retrieved 2017-07-17 .

???????? ?? ???????? ??????? :

??? ?????? ????? ?? ?????.

[1] "News detail | Wirecard" . ir.wirecard.com . ????? ?? ????? ?? 2020-06-28 . ???? ???? ?????? 2020-06-25 .

[FT0622-2] Storbeck? Olaf? McCrum? Dan? Palma? Stefania (22 ????? 2020). "Wirecard fights for survival as it admits scale of fraud" . ????????? ????? . ????? ?? ????? ?? 2020-06-25 . ???? ???? ?????? 2020-06-22 .

[DW06232020-3] "Former Wirecard CEO Markus Braun arrested" . ?????? ???? . 23 ????? 2020. ????? ?? ????? ?? 2020-06-26 . ???? ???? ?????? 2020-06-23 .

[4] "Wirecard: Scandal-hit firm files for insolvency" . BBC News (??????????? ??????????). 25 Jun 2020. Archived from the original on 2020-06-28 . Retrieved 2020-06-25 .

[5] Cite news|date=27 June 2020|title|Germany's beleaguered Wirecard to proceed with business after insolvency |work=Reuters|url= https://www.reuters.com/article/us-wirecard-accounts/germanys-beleaguered-wirecard-to-proceed-with-business-after-insolvency-idUSKBN23Y0QQ ???? ?????? 2020-06-28 ??? ???? ??? ??? ???? .

[6] Requirements have been imposed on Wirecard’s authorisation | FCA ???? ?????? 27 ????? 2020 ??? ???? ??? ??? ???? .

[7] Wirecard UK ordered to freeze customer funds by finance regulator | Business | The Guardian ???? ?????? 27 ????? 2020 ??? ???? ??? ??? ???? .

[8] "Wirecard Acquires Citi Prepaid Card Services" . PYMTNS . 13 ???? 2017. ????? ?? ????? ?? 2018-07-06 . ???? ???? ?????? 2018-07-05 .

[9] "Subscribe to read | Financial Times" . www.ft.com . ????? ?? ????? ?? 2020-02-06 . ???? ???? ?????? 2020-02-06 . {{ ??????? ??? }}: ????????? ?????? ????? ??? ( ?????? )

[10] "Wirecard says missing €1.9bn may not exist" . BBC News (??????????? ??????????). 22 Jun 2020. Archived from the original on 2020-06-26 . Retrieved 2020-06-22 .

[11] "Wirecard AG Credit Rating" (??????????? ??????????). Archived from the original on 2020-06-23 . Retrieved 2020-06-25 .

[:2-12] Dohms, Heinz-Roger (23 Feb 2017). "Die ganz spezielle Geschichte Wirecards" . manager magazin (??????????). Archived from the original on 2020-05-20 . Retrieved 2020-06-25 .

[13] McCrum? Dan? Storbeck? Olaf. "Wirecard says €1.9bn of cash is missing" . ????????? ????? . ????? ?? ????? ?? 2020-06-26 . ???? ???? ?????? 2020-06-18 .

[14] Davies? Paul J. (19 ????? 2020). "Wirecard CEO Resigns After Banks Say Missing $2 Billion Doesn't Exist" . ??? ????? ?????? . ????? ?? ????? ?? 2020-06-22 . ???? ???? ?????? 2020-06-19 .

[15] Dan McCrum, Olaf Storbeck, Stefania Palma, John Reed in Bangkok (25 ????? 2020). "Wirecard collapses into insolvency" . Financial Times . ????? ?? ????? ?? 2020-06-28 . ???? ???? ?????? 2020-06-26 . {{ ??????? ???? }}: ????? ?????????: ????? ??????: ????? ???????? ( link )

[presentation-16] ? ^? "Hauptversammlung 2019" (PDF) . Wirecard . ????? ?? ????? (PDF) ?? 2020-06-28 . ???? ???? ?????? 2019-07-30 .

[17] "Allianz and Visa launch mobile payment and loyalty app" . Finextra. ????? ?? ????? ?? 2018-07-04 . ???? ???? ?????? 2018-07-03 .

[18] "Qatar Airways, Wirecard team on Alipay acceptance in Middle East and Africa" . PaymentsSource . ????? ?? ????? ?? 2018-07-04 . ???? ???? ?????? 2018-07-03 .

[19] "Half-Year Financial Report 2019- Wirecard AG: Continued Strong Growth" . Markets Insider. ????? ?? ????? ?? 2019-09-27 . ???? ???? ?????? 2019-09-27 .

[20] "Wirecard Bilanz, Gewinn und Umsatz | Wirecard Geschaftsbericht | 747206" . wallstreet-online.de . ????? ?? ????? ?? 2018-11-05 . ???? ???? ?????? 2019-05-02 .

[21] "Wirecard AG: Statement of the Management Board about the current situation of the Company" . Wirecard Investor Relations . Wirecard. ????? ?? ????? ?? 2020-06-26 . ???? ???? ?????? 2020-06-22 .

[22] "Wirecard completes Citi Prepaid acquisition ≫ Banking Technology" . www.bankingtech.com . ????? ?? ????? ?? 2018-11-25 . ???? ???? ?????? 2017-07-17 .

[23] "Wirecard buys Brazilian online payments firm for 23.5 million euros" . Reuters . 22 ?????? 2016. ????? ?? ????? ?? 2019-03-29 . ???? ???? ?????? 2017-07-17 .

[24] "Wirecard AG announces its market entry into North America by the acquisition of Citi Prepaid Card Services" . www.wirecard.com . ????? ?? ????? ?? 2020-06-19 . ???? ???? ?????? 2017-07-17 .

[wirecard.com-25] ? ^? "Wirecard acquires Brazilian online payment service provider" . www.wirecard.com . ????? ?? ????? ?? 2020-06-19 . ???? ???? ?????? 2017-07-17 .

[26] "Wirecard acquires payments business of Great Indian (GI) Retail Group" . www.wirecard.com . ????? ?? ????? ?? 2020-06-19 . ???? ???? ?????? 2017-07-17 .

[:0-27] "Britain is getting MORE banking app startups ? can they all survive?" . Business Insider (???????????). Archived from the original on 2020-06-23 . Retrieved 2017-07-17 .

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