Pagesat e shqiptar\u00ebve n\u00ebp\u00ebrmjet institucioneve financiare t\u00eb paras\u00eb elektronike u rrit\u00ebn p\u00ebrs\u00ebri vitin e kaluar. Statistikat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se p\u00ebr vitin 2024 numri i pagesave me para elektronike arriti n\u00eb 14.8 milion\u00eb, n\u00eb rritje me 5% krahasuar me vitin 2023.<\/p>\n
Megjithat\u00eb, volumi total i transaksioneve p\u00ebsoi r\u00ebnie n\u00eb 86.8 miliard\u00eb lek\u00eb, 5.2% m\u00eb pak krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/p>\n
Numri i p\u00ebrdoruesve t\u00eb pagesave n\u00ebp\u00ebrmjet paras\u00eb elektronike vazhdon t\u00eb sh\u00ebnoj\u00eb rritje t\u00eb shpejt\u00eb, bazuar n\u00eb numrin e llogarive aktive.<\/p>\n
Numri i llogarive t\u00eb paras\u00eb elektronike n\u00eb fund t\u00eb vitit t\u00eb kaluar arriti n\u00eb pothuajse 270 mij\u00eb, shif\u00ebr kjo 76% her\u00eb m\u00eb e lart\u00eb krahasuar me nj\u00eb vit m\u00eb par\u00eb. Q\u00eb prej vitit 2019, kur Banka e Shqip\u00ebris\u00eb ka nisur raportimin e k\u00ebtij treguesi, numri i llogarive t\u00eb paras\u00eb elektronike \u00ebsht\u00eb rritur me 30 her\u00eb.<\/p>\n
Rritja e numrit t\u00eb pagesave dhe t\u00eb p\u00ebrdoruesve t\u00eb tregut t\u00eb paras\u00eb elektronike ka ndjekur nj\u00eb interes t\u00eb lart\u00eb t\u00eb investitor\u00ebve p\u00ebr k\u00ebt\u00eb treg dhe shtimin e numrit t\u00eb subjekteve t\u00eb licencuara.<\/p>\n
Ligji i ri \u201cP\u00ebr sh\u00ebrbimet e pagesave\u201d, miratuar n\u00eb vitin 2020, i dha nj\u00eb shtys\u00eb t\u00eb fort\u00eb interesit t\u00eb investitor\u00ebve p\u00ebr tregun e sh\u00ebrbimeve t\u00eb paras\u00eb elektronike. Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, numri i institucioneve t\u00eb licencuara t\u00eb paras\u00eb elektronike ka arritur tashm\u00eb n\u00eb 10.<\/p>\n
Megjithat\u00eb, ligji i ri nuk ka qen\u00eb ende plot\u00ebsisht i zbatuesh\u00ebm n\u00eb t\u00eb gjitha dispozitat e tij, ve\u00e7an\u00ebrisht n\u00eb konceptin ky\u00e7 t\u00eb bankingut t\u00eb hapur (open banking), q\u00eb duhet t\u00eb mund\u00ebsoj\u00eb p\u00ebrdorimin e llogaris\u00eb bankare p\u00ebr t\u00eb kryer sh\u00ebrbime pagesash edhe n\u00ebp\u00ebrmjet institucioneve t\u00eb tjera financiare.<\/p>\n
Mes fundit t\u00eb vitit 2024 dhe fillimit t\u00eb vitit 2025, u licencuan operator\u00ebt e par\u00eb t\u00eb sh\u00ebrbimeve t\u00eb bazuara n\u00eb bankingun e hapur. Operator\u00ebt e licencuar kan\u00eb njoftuar nd\u00ebrkoh\u00eb edhe kryerjen e transaksioneve t\u00eb para.<\/p>\n
Rritja e numrit t\u00eb llogarive dhe t\u00eb pagesave me para elektronike, megjithat\u00eb, duhet lexuar me kujdes. Nj\u00eb pjes\u00eb e veprimeve me para elektronike ngelen t\u00eb lidhura me veprime n\u00eb para fizike, si\u00e7 mund t\u00eb jen\u00eb format e ndryshme t\u00eb pagesave q\u00eb qytetar\u00ebt kryejn\u00eb n\u00ebp\u00ebrmjet sporteleve fizike t\u00eb paras\u00eb elektronike n\u00eb form\u00eb cash, por q\u00eb m\u00eb tej ekzekutohen n\u00ebp\u00ebrmjet terminaleve t\u00eb paras\u00eb elektronike t\u00eb k\u00ebtyre operator\u00ebve.<\/p>\n
Gjithashtu, disa prej institucioneve t\u00eb reja t\u00eb paras\u00eb elektronike, e lidhin hapjen e llogarive t\u00eb paras\u00eb elektronike me disbursimin e kredive t\u00eb kompanive t\u00eb grupit. P\u00ebr k\u00ebt\u00eb arsye, nj\u00eb pjes\u00eb e rritjes q\u00eb tregojn\u00eb \u00ebsht\u00eb e lidhur me faktor\u00eb an\u00ebsor\u00eb dhe q\u00eb nuk p\u00ebrfaq\u00ebsojn\u00eb n\u00eb vetvete nj\u00eb dep\u00ebrtim direkt t\u00eb formave fintech t\u00eb pagesave.<\/p>\n
Deri tani, fokusi kryesor i institucioneve t\u00eb reja fintech ka qen\u00eb kryesisht krijimi i portofoleve elektronike n\u00ebp\u00ebrmjet t\u00eb cilave klient\u00ebt mund t\u00eb kryejn\u00eb nj\u00eb spekt\u00ebr t\u00eb gjer\u00eb pagesash, t\u00eb qend\u00ebrzuara n\u00eb aplikacionet e tyre.<\/p>\n
Sh\u00ebrbimet e pagesave p\u00ebrfshijn\u00eb pages\u00ebn e faturave dhe utiliteteve, transfertat e parave, blerjet online ose n\u00eb pikat e shitjes, etj. N\u00eb p\u00ebrgjith\u00ebsi, synimi \u00ebsht\u00eb krijimi i t\u00eb ashtuquajturave Super Apps, ku klient\u00ebt mund t\u00eb kryejn\u00eb blerje apo pagesa p\u00ebr shumic\u00ebn e nevojave t\u00eb zakonshme konsumatore.<\/p>\n
Megjithat\u00eb, disa prej institucioneve t\u00eb paras\u00eb elektronike po e g\u00ebrshetojn\u00eb konceptin e fintech edhe me instrumentet m\u00eb klasike t\u00eb pagesave, si kartat, p\u00ebr t\u00eb krijuar nj\u00eb ur\u00eb me infrastruktur\u00ebn e sektorit bankar dhe operator\u00ebve global\u00eb t\u00eb sistemeve t\u00eb pagesave, si Visa apo Mastercard.\/MONITOR<\/p>\n
The post Shqiptar\u00ebt kryen 14.8 milion\u00eb pagesa me para elektronike<\/a> appeared first on Lapsi.al<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Pagesat e shqiptar\u00ebve n\u00ebp\u00ebrmjet institucioneve financiare t\u00eb paras\u00eb elektronike u rrit\u00ebn p\u00ebrs\u00ebri vitin e kaluar. Statistikat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se p\u00ebr vitin 2024 numri i pagesave me para elektronike arriti n\u00eb 14.8 milion\u00eb, n\u00eb rritje me 5% krahasuar me vitin 2023. Megjithat\u00eb, volumi total i transaksioneve p\u00ebsoi r\u00ebnie n\u00eb 86.8 miliard\u00eb lek\u00eb, 5.2% […]<\/p>\n","protected":false},"author":0,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-16961","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/16961","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/comments?post=16961"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/16961\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=16961"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=16961"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=16961"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}