Luxembourg-based Millicom International Cellular S.A. is carving a niche in Latin America and Africa with its offering of mobile services, including mobile data and voice, short message service, and mobile financial services. The company's array of financial services ranges from payments, money transfers, international remittances, savings, real-time loans, and micro-insurance. In addition to its mobile service offerings, Millicom provides cable and other fixed services, including broadband, content, fixed voice, and pay-TV, to residential consumers. It also offers fixed, managed services, cloud and security solutions, and value-added services to small, medium, and large businesses as well as governmental entities. Millicom, which operates under the Tigo and Tigo Business brands, was founded in 1990.