Doja ta vazhdoja k\u00ebt\u00eb newsletter pik\u00ebrisht aty ku e lash\u00eb her\u00ebn e kaluar. N\u00eb fakt, shtysa erdhi nga nj\u00eb koment i Besnik Ligacit, kur ngrita pyetjen p\u00ebr gar\u00ebn e komunikimit mes bankave n\u00eb vend p\u00ebr t\u00eb promovuar Apple Pay. N\u00eb koment ai theksonte se p\u00ebrtej fushatave t\u00eb komunikimit,\u00a0 duket se sistemi ka ende disa boshll\u00ebqe shum\u00eb praktike p\u00ebr t\u00eb zgjidhur.<\/p>\n
Sepse n\u00eb realitet, nd\u00ebrkoh\u00eb q\u00eb diskutojm\u00eb p\u00ebr inovacionet e fundit n\u00eb pagesa, ende nuk kemi zgjidhje t\u00eb plota p\u00ebr disa modele pagesash online q\u00eb jan\u00eb b\u00ebr\u00eb standard n\u00eb ekonomin\u00eb globale digjitale. Pagesat me subscription, recurring payments, apo mekanizma t\u00eb tjer\u00eb fleksib\u00ebl q\u00eb p\u00ebrdoren nga shum\u00eb biznese shpesh k\u00ebrkojn\u00eb ende zgjidhje jasht\u00eb vendit p\u00ebr t\u00eb funksionuar normalisht. Sip\u00ebrmarr\u00ebsit shqiptar\u00eb detyrohen t\u00eb p\u00ebrdorin platforma t\u00eb huaja p\u00ebr t\u00eb operuar.<\/p>\n
Kjo krijon nj\u00eb paradoks interesant<\/strong>. Nd\u00ebrsa kemi nj\u00eb sistem q\u00eb ende ka disa boshll\u00ebqe praktike p\u00ebr t\u00eb zgjidhur; po ashtu, n\u00ebse e shikon m\u00eb nga af\u00ebr, (sidomos nga perspektiva e inovacionit dhe teknologjis\u00eb ku un\u00eb kam qen\u00eb i angazhuar k\u00ebto dhjet\u00eb vitet e fundit) sektori financiar n\u00eb Shqip\u00ebri dhe n\u00eb rajon ka evoluar shum\u00eb m\u00eb tep\u00ebr sesa mendojm\u00eb.<\/p>\n Kemi bankat tradicionale q\u00eb po p\u00ebrpiqen t\u00eb modernizojn\u00eb sisteme t\u00eb nd\u00ebrtuara p\u00ebr stabilitet, jo p\u00ebr shpejt\u00ebsi. Ashtu si edhe kemi disa fintech-et dhe startup-et q\u00eb jan\u00eb nd\u00ebrtuar \u201cdigital-first\u201d, t\u00eb dizenjuar p\u00ebr t\u00eb qen\u00eb m\u00eb t\u00eb shpejta dhe m\u00eb fleksib\u00ebl; madje s\u00eb fundmi po shohim edhe prurje t\u00ebr\u00ebsisht t\u00eb reja edhe n\u00eb tregun ton\u00eb, si Jet Bank<\/a>, banka e par\u00eb 100% digjitale!.<\/p>\n At\u00ebher\u00eb lind nj\u00eb pyetje tjet\u00ebr interesante: pse ne vazhdojm\u00eb t\u00eb mendojm\u00eb se \u201ck\u00ebtu nuk ka zgjidhje\u201d? <\/strong><\/p>\n Nj\u00eb pjes\u00eb e p\u00ebrgjigjes \u00ebsht\u00eb shum\u00eb praktike. Shum\u00eb prej k\u00ebtyre produkteve ekzistojn\u00eb, por nuk jan\u00eb b\u00ebr\u00eb ende \u201czgjedhja e par\u00eb\u201d p\u00ebr shumic\u00ebn e p\u00ebrdoruesve. Nuk jan\u00eb sprovuar mjaftuesh\u00ebm n\u00eb treg dhe p\u00ebr k\u00ebt\u00eb arsye njer\u00ebzit p\u00ebrfundojn\u00eb tek platformat globale q\u00eb tashm\u00eb kan\u00eb fituar besimin e tyre. Pra, duket se sfida kryesore mbetet edukimi i konsumatorit.<\/p>\n Por n\u00eb thelb, ajo q\u00eb po ndodh \u00ebsht\u00eb di\u00e7ka shum\u00eb m\u00eb e madhe sesa nj\u00eb \u00e7\u00ebshtje marketingu apo komunikimi.<\/p>\n Ne jemi n\u00eb nj\u00eb faz\u00eb tranzicioni <\/strong>( e di q\u00eb e keni d\u00ebgjuar shpesh k\u00ebto 35 vitet e fundit, por \u00ebsht\u00eb e v\u00ebrtet\u00eb dhe n\u00eb k\u00ebt\u00eb rast <\/p>\n Nga nj\u00ebra an\u00eb jan\u00eb bankat, historikisht tradicionale q\u00eb po p\u00ebrpiqen t\u00eb transformojn\u00eb infrastrukturat e tyre shum\u00ebvje\u00e7are dhe protokollet e operimit p\u00ebr t\u2019i p\u00ebrshtatur me teknologjit\u00eb dhe inovacionet e reja.<\/p>\n Nga ana tjet\u00ebr, aralelisht me to po rritet nj\u00eb grup tjet\u00ebr aktor\u00ebsh: kompanit\u00eb fintech dhe startup-et teknologjike q\u00eb jan\u00eb nd\u00ebrtuar q\u00eb nga dita e par\u00eb mbi arkitektur\u00eb moderne digjitale. K\u00ebto kompani operojn\u00eb ndryshe. Jan\u00eb m\u00eb agile<\/em>, eksperimentojn\u00eb m\u00eb shpejt dhe ndjekin modele t\u00eb provuara n\u00eb tregje t\u00eb tjera.<\/p>\n N\u00eb mes t\u00eb k\u00ebsaj dinamike q\u00ebndron konsumatori.<\/strong> Ai \u00ebsht\u00eb objektivi final i gjith\u00eb k\u00ebsaj gare. Por edhe ai \u00ebsht\u00eb pjes\u00eb e tranzicionit. Sepse p\u00ebrve\u00e7 konfuzionit q\u00eb krijohet nga numri i madh i zgjidhjeve dhe larmishm\u00ebria e sh\u00ebrbimeve, konsumatori duhet t\u00eb b\u00ebj\u00eb edhe nj\u00eb transformim kulturor: nga nj\u00eb p\u00ebrdorues tradicional n\u00eb nj\u00eb p\u00ebrdorues digjital<\/strong>.<\/p>\n Nga dikush q\u00eb shkon fizikisht n\u00eb bank\u00eb p\u00ebr \u00e7do sh\u00ebrbim, tek dikush q\u00eb pret q\u00eb gjith\u00e7ka t\u00eb jet\u00eb e disponueshme menj\u00ebher\u00eb<\/em> nga telefoni.<\/p>\n N\u00eb aspektin praktik, kjo situat\u00eb e favorizon konsumatorin. Sa m\u00eb shum\u00eb konkurrenc\u00eb t\u00eb ket\u00eb mes ofruesve t\u00eb sh\u00ebrbimeve, aq m\u00eb e mir\u00eb b\u00ebhet p\u00ebrvoja: m\u00eb pak burokraci, m\u00eb shum\u00eb shpejt\u00ebsi dhe m\u00eb shum\u00eb thjesht\u00ebsi.<\/p>\n N\u00ebse p\u00ebrpiqemi t\u00eb projektojm\u00eb pak t\u00eb ardhmen, drejtimi duket relativisht i qart\u00eb<\/strong>. Brezat q\u00eb po vijn\u00eb kan\u00eb kompetenca digjitale shum\u00eb m\u00eb t\u00eb larta dhe kjo po reflektohet edhe n\u00eb m\u00ebnyr\u00ebn se si bankat komunikojn\u00eb.<\/p>\n N\u00eb newsletter-in tim t\u00eb fundit p\u00ebrmenda se si fushatat e marketingut t\u00eb bankave, dikur shum\u00eb tradicionale dhe t\u00eb kujdesshme, sot p\u00ebrdorin influencers dhe gjuh\u00ebn e rrjeteve sociale p\u00ebr t\u2019iu folur brezave t\u00eb rinj<\/em>. Kjo nuk \u00ebsht\u00eb vet\u00ebm marketing. \u00cbsht\u00eb nj\u00eb sinjal p\u00ebr transformimin e modelit t\u00eb bankingut.<\/strong><\/p>\n Me shum\u00eb gjas\u00eb, n\u00eb t\u00eb ardhmen e af\u00ebrt, bankingu do t\u00eb jet\u00eb pothuajse t\u00ebr\u00ebsisht digjital.<\/p>\n Por \u00e7far\u00eb do t\u00eb thot\u00eb kjo n\u00eb praktik\u00eb?<\/strong><\/p>\n Nj\u00eb bank\u00eb t\u00ebr\u00ebsisht digjitale ofron sh\u00ebrbime p\u00ebrmes kanaleve online, pa deg\u00eb fizike, duke mund\u00ebsuar akses n\u00eb llogari, pagesa dhe produkte t\u00eb tjera p\u00ebrmes aplikacioneve dhe platformave web. N\u00eb Europ\u00eb ky model po rritet me shpejt\u00ebsi. Nga nj\u00eb k\u00ebrkim i shpejt\u00eb, sipas nj\u00eb raporti t\u00eb Bank\u00ebs Qendrore Europiane, deri n\u00eb fund t\u00eb vitit 2024 m\u00eb shum\u00eb se 20 banka n\u00eb zon\u00ebn e euros identifikoheshin si digital-only<\/em>, duke fituar gradualisht pjes\u00eb n\u00eb asetet totale t\u00eb sistemit bankar.<\/p>\n Avantazhet jan\u00eb t\u00eb dukshme: akses 24\/7, hapje llogarie n\u00eb pak minuta, tarifa m\u00eb t\u00eb ul\u00ebta dhe nj\u00eb p\u00ebrvoj\u00eb p\u00ebrdorimi shum\u00eb m\u00eb e thjesht\u00eb. Siguria gjithashtu nuk duket t\u00eb jet\u00eb m\u00eb nj\u00eb penges\u00eb reale. Bankat digjitale p\u00ebrdorin protokolle moderne enkriptimi, autentikim me shum\u00eb faktor\u00eb dhe jan\u00eb subjekt i t\u00eb nj\u00ebjtave k\u00ebrkesa rregullatore p\u00ebr mbrojtjen e depozitave si bankat tradicionale. Madje infrastruktura native digjitale, ofron fleksibilitet, p\u00ebrdit\u00ebsime m\u00eb t\u00eb shpejta dhe integrim m\u00eb t\u00eb leht\u00eb me teknologjit\u00eb e reja.<\/p>\n N\u00eb k\u00ebt\u00eb kontekst, teknologjit\u00eb e reja si inteligjenca artificiale (AI) dhe zhvillimi shum\u00eb i shpejt\u00eb i LLM-ve <\/strong>po shtyjn\u00eb edhe m\u00eb tej transformimin. Chatbot-et me AI tashm\u00eb jan\u00eb pjes\u00eb e p\u00ebrditshm\u00ebris\u00eb son\u00eb dhe shpesh ne komunikojm\u00eb me to pa e ditur n\u00ebse n\u00eb an\u00ebn tjet\u00ebr \u00ebsht\u00eb nj\u00eb njeri apo nj\u00eb sistem. N\u00eb fakt, shum\u00eb shpejt kjo nuk do t\u00eb ket\u00eb m\u00eb r\u00ebnd\u00ebsi. N\u00ebse komunikimi \u00ebsht\u00eb i qart\u00eb dhe problemi zgjidhet menj\u00ebher\u00eb, p\u00ebrvoja mbetet pozitive.<\/p>\n Madje AI mund t\u00eb sjell\u00eb di\u00e7ka q\u00eb sistemi tradicional e kishte shum\u00eb t\u00eb v\u00ebshtir\u00eb ta realizonte: personalizimin n\u00eb shkall\u00eb masive. Duke analizuar t\u00eb dh\u00ebnat dhe historikun e p\u00ebrdorimit, sistemet munden dhe do t\u00eb ofrojn\u00eb zgjidhje t\u00eb p\u00ebrshtatura p\u00ebr \u00e7do p\u00ebrdorues.<\/p>\n Sigurisht, kjo nuk ndodh brenda nat\u00ebs. Por me ndryshimin e brezave dhe me rritjen e sasis\u00eb s\u00eb t\u00eb dh\u00ebnave q\u00eb krijohen nga nd\u00ebrveprimet digjitale, \u00ebsht\u00eb nj\u00eb zhvillim pothuajse i pashmangsh\u00ebm.<\/p>\n Konkurrenca mes aktor\u00ebve do t\u00eb jet\u00eb gjithnj\u00eb e m\u00eb shum\u00eb p\u00ebr p\u00ebrvoj\u00ebn q\u00eb i ofrojn\u00eb klientit: onboarding digjital t\u00eb shpejt\u00eb, customer journey t\u00eb personalizuar, akses t\u00eb sigurt 24\/7 dhe monitorim inteligjent t\u00eb transaksioneve.<\/p>\n Dhe pashmangshm\u00ebrisht, shum\u00eb shpejt do t\u00eb vij\u00eb momenti kur banka q\u00eb na sh\u00ebrben nuk do t\u00eb jet\u00eb m\u00eb nj\u00eb nd\u00ebrtes\u00eb ku shkojm\u00eb.<\/p>\n Por nj\u00eb ekosistem digjital q\u00eb na shoq\u00ebron \u00e7do dit\u00eb.<\/p>\n Pa radh\u00eb. Pa sportele. Vet\u00ebm me nj\u00eb prekje n\u00eb ekran.<\/p>\n The post Banka pa sportele: nj\u00eb tranzicion q\u00eb po ndodh para syve tan\u00eb<\/a> appeared first on GIJOTINA<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Doja ta vazhdoja k\u00ebt\u00eb newsletter pik\u00ebrisht aty ku e lash\u00eb her\u00ebn e kaluar. N\u00eb fakt, shtysa erdhi nga nj\u00eb koment i Besnik Ligacit, kur ngrita pyetjen p\u00ebr gar\u00ebn e komunikimit mes bankave n\u00eb vend p\u00ebr t\u00eb promovuar Apple Pay. N\u00eb koment ai theksonte se p\u00ebrtej fushatave t\u00eb komunikimit,\u00a0 duket se sistemi ka ende disa boshll\u00ebqe […]<\/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-77153","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/77153","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=77153"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/77153\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=77153"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=77153"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=77153"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}