{"id":60988,"date":"2025-12-29T12:03:59","date_gmt":"2025-12-29T12:03:59","guid":{"rendered":"https:\/\/zennihost.com\/test\/2025\/12\/29\/bankat-100-digjitale-nje-revolucion-qe-po-nis-edhe-ne-shqiperi\/"},"modified":"2025-12-29T12:03:59","modified_gmt":"2025-12-29T12:03:59","slug":"bankat-100-digjitale-nje-revolucion-qe-po-nis-edhe-ne-shqiperi","status":"publish","type":"post","link":"https:\/\/zennihost.com\/test\/2025\/12\/29\/bankat-100-digjitale-nje-revolucion-qe-po-nis-edhe-ne-shqiperi\/","title":{"rendered":"Bankat 100 % digjitale: nj\u00eb revolucion q\u00eb po nis edhe n\u00eb Shqip\u00ebri!"},"content":{"rendered":"<p>Bankat moderne, q\u00eb nis\u00ebn t\u00eb pakt\u00ebn me familjen Medici n\u00eb Firence dhe bankat gjenoveze e veneciane, q\u00eb n\u00eb shekujt 14 dhe 15, jan\u00eb simbolizuar me nd\u00ebrtesat m\u00eb moderne dhe q\u00eb zbukuronin qytetet, kudo ku ato vendoseshin. Edhe sot nd\u00ebrtesat, ku jan\u00eb vendosur dhe kryejn\u00eb aktivitet bankat e m\u00ebdha, vazhojn\u00eb t\u00eb jen\u00eb simbolet arkitekturore t\u00eb qyteteve europiane dhe bot\u00ebrore. Zhvillimet teknologjike nis\u00ebn t\u2019 i ndihmojn\u00eb bankat, q\u00eb t\u00eb p\u00ebrsosnin modelet e tyre t\u00eb biznesit, t\u00eb rrisnin eficienc\u00ebn e tyre operacionale, duke ofruar sh\u00ebrbime m\u00eb t\u00eb mira dhe m\u00eb t\u00eb lira p\u00ebr klient\u00ebt, duke rritur nj\u00ebher\u00ebsh fitimet e tyre.<br \/>\nN\u00ebse g\u00ebrmojm\u00eb pak n\u00eb evolucionin teknologjik n\u00eb sistemin bankar, sistemet elektronike t\u00eb p\u00ebrpunimit t\u00eb transaksioneve bankare dhe sh\u00ebrbimit t\u00eb klient\u00ebve fillojn\u00eb q\u00eb n\u00eb fundin e viteve 1960 me shpikjen e Makinave t\u00eb Automatizuara t\u00eb Sh\u00ebrbimit (ATM), q\u00eb i mund\u00ebsonin klient\u00ebve kryerjen e sh\u00ebrbimeve bankare, si t\u00ebrheqje paraje dhe kontroll i gjendjes s\u00eb llogaris\u00eb, pa qen\u00eb nevoja t\u00eb shkojn\u00eb n\u00eb nj\u00eb zyr\u00eb banke. Nga fundi i viteve 1980 sh\u00ebrbimet bankare p\u00ebrmes telefonit mund\u00ebsonin q\u00eb klient\u00ebt t\u00eb kryenin edhe transfertat dhe t\u00eb kontrollonin gjendjen e llogaris\u00eb p\u00ebrmes telefonit (telephone banking).<br \/>\nPor, me fillimin e viteve 1990 starton nj\u00eb epok\u00eb e re n\u00eb p\u00ebrdorimin e teknologjis\u00eb n\u00eb sistemin bankar, epoka e bankingut digjital, q\u00eb nis me lindjen e internetit. Bankingu online shfaqet si nj\u00eb alternativ\u00eb ndaj ofrimit t\u00eb sh\u00ebrbimit bankar tradicional p\u00ebrmes deg\u00ebve t\u00eb bankave. Sa m\u00eb shum\u00eb q\u00eb sistemet e internetit fuqizoheshin dhe zgjeroheshin, aq m\u00eb shum\u00eb zgjerohej dhe bankingu online n\u00eb kryerjen e sh\u00ebrbimeve.<br \/>\nRevolucioni i v\u00ebrtet\u00eb n\u00eb industrin\u00eb bankare nis n\u00eb vitet 2000.  Shekulli i 21 po d\u00ebshmon nj\u00eb val\u00eb t\u00eb paprecedent\u00eb inovacionesh n\u00eb bankingun mobile. N\u00ebse m\u00eb par\u00eb kryerja e sh\u00ebrbimeve bankare k\u00ebrkonte nj\u00eb kompjuter t\u00eb lidhur me internet, tani p\u00ebrmes nj\u00eb telefoni mobil smart, dhe instalimit t\u00eb nj\u00eb aplikacioni, mund\u00ebsohet jo vet\u00ebm kryerja e pagesave dhe kontrolli llogarive, por edhe sh\u00ebrbime t\u00eb asistenc\u00ebs p\u00ebr menaxhimin m\u00eb t\u00eb mir\u00eb t\u00eb financave personale: kujtes\u00eb p\u00ebr pagim t\u00eb detyrimeve t\u00eb maturuara, kontrollin online n\u00eb koh\u00eb reale t\u00eb shpenzimeve, etj. Me p\u00ebrparimin e teknologjis\u00eb, bankat kan\u00eb shtuar platforma online edhe p\u00ebr aplikim p\u00ebr kredi, p\u00ebr gjurmimin e investimit, dhe sh\u00ebrbimet e pagimit t\u00eb faturave. Sot n\u00eb Europ\u00eb, 78% e transaksioneve kryhen online; n\u00eb SHBA, 85% dhe n\u00eb Azi-Pacifik, 92%. N\u00ebse viziton nj\u00eb bank\u00eb n\u00eb vendet e zhvilluara, nuk mund t\u00eb kontaktosh me bankier personal \u2013 si\u00e7 ishte bankingu tradicional \u2013 por sh\u00ebrbimet i kryen p\u00ebrmes ekraneve, q\u00eb jan\u00eb t\u00eb instaluar kudo n\u00eb qytete. Bankingu online \u00ebsht\u00eb shnd\u00ebrruar n\u00eb form\u00ebn standarte t\u00eb sh\u00ebrbimit, prej m\u00eb shum\u00eb se nj\u00eb dekade tashm\u00eb.<br \/>\nFutja e teknologjive t\u00eb blockchain dhe kriptomonedhave, i ka dh\u00ebn\u00eb bankingut digjital nj\u00eb tjet\u00ebr dimension. Monedhat digjitale jan\u00eb shfaqur si monedh\u00eb alternative ndaj monedhave zyrtare dhe bashk\u00eb me sistemin e decentralizuar t\u00eb llogarive (databaza digjitale q\u00eb ndahet mes shum\u00eb kompjuterash t\u00eb vendosur n\u00eb rrjet), ato mund\u00ebsojn\u00eb transaksionet midis personave drejtp\u00ebrdrejt, pa qen\u00eb nevoja e p\u00ebrdorimit t\u00eb nd\u00ebrmjet\u00ebsve.<br \/>\nIntegrimi i inteligjenc\u00ebs artificiale (AI) n\u00eb bankingun digjital, mund\u00ebson ofrim t\u00eb sh\u00ebrbimeve t\u00eb personalizuara, dedektimin e mashtrimeve dhe sinjalizimin e klientit t\u00eb bank\u00ebs p\u00ebr raste t\u00eb tilla, nd\u00ebrsa bankat kan\u00eb mund\u00ebsi t\u00eb rrisin eficienc\u00ebn e tyre n\u00eb ofrimin e sh\u00ebrbimeve, t\u00eb reduktojn\u00eb kostot dhe rrisin fitimet. Teknikat e reja t\u00eb menaxhimit t\u00eb rriskut jan\u00eb p\u00ebrmir\u00ebsuar n\u00eb saj t\u00eb p\u00ebrdorimit t\u00eb algoritmeve q\u00eb mb\u00ebshteten n\u00eb machine learning dhe baz\u00eb t\u00eb dh\u00ebnash me profilet e rriskut t\u00eb huamarr\u00ebsve.<br \/>\nMe pak fjal\u00eb, inovacioni teknologjik sot ka transformuar n\u00eb m\u00ebnyr\u00eb rr\u00ebnj\u00ebsore biznesin e industris\u00eb bankare, duke e b\u00ebr\u00eb bank\u00ebn pothuaj krejt\u00ebsisht virtuale p\u00ebr klientin. N\u00eb raportin e stabilitetit financiar t\u00eb Bank\u00ebs Qendrore Europiane t\u00eb botuar n\u00eb maj 2025, sh\u00ebnohet se deri n\u00eb fund t\u00eb vitit 2024, 60 banka n\u00eb eurozon\u00eb tashm\u00eb jan\u00eb t\u00ebr\u00ebsisht digjitale, ku vet\u00ebm 7 prej tyre jan\u00eb deg\u00eb t\u00eb bankave tradicionale, nd\u00ebrsa t\u00eb tjerat jan\u00eb banka krejt\u00ebsisht t\u00eb reja. (Garcia et al, 2025). Pesha e tregut t\u00eb tyre akoma mbetet e ul\u00ebt, 3,9% n\u00eb vitin 2024, por ritmi i rritjes \u00ebsht\u00eb impresionues. Banka m\u00eb e hershme t\u00ebr\u00ebsisht digitale gjermane, p\u00ebr shembull, u themelua n\u00eb vitin 2013 nga dy sip\u00ebrmarr\u00ebs, nd\u00ebrsa sot \u00ebsht\u00eb shnd\u00ebrruar n\u00eb nj\u00eb nga bankat m\u00eb t\u00eb m\u00ebdha t\u00eb fintech.<br \/>\nA ka rreziqe ky lloji i ri i bankimi q\u00eb po lind dhe po p\u00ebrhapet me shpejt\u00ebsi n\u00eb gjith\u00eb bot\u00ebn? \u00c7do revolucion n\u00eb nj\u00eb industri kudoqoft\u00eb, padyshim q\u00eb sjell sfida, pasi e trondit sistemin ekzistues. Bankat tradicionale duhet t\u00eb investojn\u00eb shum\u00eb q\u00eb t\u00eb transformohen p\u00ebr t\u2019ju p\u00ebrshtatur realitetit t\u00eb ri. Kjo ka ndodhur m\u00eb s\u00eb pari n\u00eb industrit\u00eb e telekomunikacioneve dhe duhet t\u00eb sh\u00ebrbej\u00eb si model sjelljeje p\u00ebr bankat. N\u00ebse kompanit\u00eb e dikurshme t\u00eb telefonis\u00eb fikse (si Albetelkom) nuk do t\u00eb kishin investuar n\u00eb ofrimin e sh\u00ebrbimeve me vler\u00eb t\u00eb lart\u00eb t\u00eb shtuar (si sh\u00ebrbimi internetit, telefoni mobile), sot nuk do t\u00eb ekzistonin.<br \/>\nP\u00ebr momentin, klientela baz\u00eb e k\u00ebtyre bankave jan\u00eb t\u00eb rinjt\u00eb dhe t\u00eb pasionuarit pas teknologjive t\u00eb reja. Studimet tregojn\u00eb se baza kryesore e depozitave jan\u00eb depozituesit me pakic\u00eb. Por historia e suksesit t\u00eb pazakont\u00eb t\u00eb M-PESA q\u00eb nisi n\u00eb Kenya n\u00eb vitin 2007dhe u p\u00ebrhap me shpejt\u00ebsi n\u00eb shum\u00eb shtete t\u00eb Afrik\u00ebs, d\u00ebshmon se individ\u00ebt mund t\u00eb adoptohen shpejt me p\u00ebrdorimin e teknologjive t\u00eb reja. P\u00ebr m\u00eb tep\u00ebr, aplikacionet e tanishme nd\u00ebrtohen t\u00eb thjeshta n\u00eb p\u00ebrdorim (user friendly) duke leht\u00ebsuar p\u00ebrdorimin p\u00ebr t\u00eb gjitha grupmoshat.<br \/>\nNj\u00eb \u00e7\u00ebshtje tjet\u00ebr \u00ebsht\u00eb ajo e siguris\u00eb s\u00eb sistemeve digjitale. Integrimi i teknologjive t\u00eb p\u00ebrparuara, si autentifikimi biometrik (me shenjat e gishtit ose fytyr\u00ebs) dhe autentifikimi me dy faza, p\u00ebrmir\u00ebsimi i vazhduesh\u00ebm i protokolleve t\u00eb siguris\u00eb, jan\u00eb nj\u00eb sfid\u00eb q\u00eb n\u00eb fakt c\u00ebnon edhe bankat tradicionale. Sulmet kibernetike kan\u00eb qen\u00eb nj\u00eb konstante jo vet\u00ebm p\u00ebr bankat por edhe p\u00ebr sistemet e tjera digjitale. Rritja e sistemeve t\u00eb siguris\u00eb \u00ebsht\u00eb nj\u00eb betej\u00eb perpetum dhe q\u00eb me sofistikimin e teknologjive t\u00eb ardhshme, gjasat jan\u00eb q\u00eb ato do t\u00eb b\u00ebhen gjithnj\u00eb e m\u00eb t\u00eb sigurta. Edhe privat\u00ebsia dhe ruajtja e t\u00eb dh\u00ebnave personale paraqet sfida. Kuadri rregullator i bankave qendrore duhet t\u00eb siguroj\u00eb plot\u00ebsimin e standardeve europiane n\u00eb k\u00ebt\u00eb fush\u00eb. N\u00eb fakt, sfida serioze e k\u00ebtij lloji revolucionar t\u00eb bankingut \u00ebsht\u00eb reformimi i sistemit rregullator e mbik\u00ebqyr\u00ebs, por kjo \u00ebsht\u00eb nj\u00eb \u00e7\u00ebshtje q\u00eb bankat qendrore kan\u00eb nisur t\u00eb punojn\u00eb. Shqip\u00ebria q\u00eb \u00ebsht\u00eb n\u00eb procesin e p\u00ebrafrimit t\u00eb legjislacionit edhe n\u00eb fush\u00ebn e sh\u00ebrbimeve bankare, duhet t\u00eb adoptoj\u00eb direktivat Europiane n\u00eb k\u00ebt\u00eb fush\u00eb, p\u00ebr t\u00eb garantuar sigurin\u00eb dhe stabilitetin e sistemit financiar, duke nxitur inovacionin edhe n\u00eb tregun financiar t\u00eb vendit.<br \/>\nHyrja e Jet Bank n\u00eb Shqip\u00ebri, banka e par\u00eb q\u00eb do t\u00eb jet\u00eb 100% digjitale, mendoj se sh\u00ebnon nj\u00eb moment shum\u00eb interesant p\u00ebr sektorin financiar t\u00eb vendit. Do t\u00eb jet\u00eb nj\u00eb sfid\u00eb si p\u00ebr vet\u00eb bank\u00ebn n\u00eb krijimin e nj\u00eb kulture t\u00eb re financiare p\u00ebr shoq\u00ebrin\u00eb, ashtu dhe p\u00ebr presionin pozitiv q\u00eb do t\u00eb ushtroj\u00eb n\u00eb nxitjen e inovacionit n\u00eb t\u00eb gjith\u00eb industrin\u00eb n\u00eb t\u00ebr\u00ebsi. Duket se s\u00eb bashku me an\u00ebtar\u00ebsimin e vendit n\u00eb SEPA, ky \u00ebsht\u00eb lajmi tjet\u00ebr interesant financiar i vitit 2025!<br \/>\n<strong>*Ekspert ekonomie, president i Universitetit Europian t\u00eb Tiran\u00ebs<\/strong><\/p>\n<p>The post <a href=\"https:\/\/lapsi.al\/2025\/12\/29\/bankat-100-digjitale-nje-revolucion-qe-po-nis-edhe-ne-shqiperi\/\">Bankat 100 % digjitale: nj\u00eb revolucion q\u00eb po nis edhe n\u00eb Shqip\u00ebri!<\/a> appeared first on <a href=\"https:\/\/lapsi.al\/\">Lapsi.al<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>Bankat moderne, q\u00eb nis\u00ebn t\u00eb pakt\u00ebn me familjen Medici n\u00eb Firence dhe bankat gjenoveze e veneciane, q\u00eb n\u00eb shekujt 14 dhe 15, jan\u00eb simbolizuar me nd\u00ebrtesat m\u00eb moderne dhe q\u00eb zbukuronin qytetet, kudo ku ato vendoseshin. Edhe sot nd\u00ebrtesat, ku jan\u00eb vendosur dhe kryejn\u00eb aktivitet bankat e m\u00ebdha, vazhojn\u00eb t\u00eb jen\u00eb simbolet arkitekturore t\u00eb qyteteve [&hellip;]<\/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-60988","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/60988","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=60988"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/60988\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=60988"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=60988"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=60988"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}