![\"\"](\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/02\/numri-i-llogarive-te-parave-onlie.jpg\")
<\/p>\n<\/p>\n
Tregu i institucioneve t\u00eb paras\u00eb elektronike sh\u00ebnoi nj\u00eb rritje t\u00eb shpejt\u00eb gjat\u00eb vitit 2022.<\/span><\/p>\n Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, numri i llogarive t\u00eb paras\u00eb elektronike n\u00eb fund t\u00eb vitit t\u00eb kaluar arriti n\u00eb m\u00eb shum\u00eb se 73 mij\u00eb, shif\u00ebr kjo 273% her\u00eb m\u00eb e lart\u00eb krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n 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 8.6 her\u00eb.<\/span><\/p>\n Paralelisht, edhe numri dhe vlera e transaksioneve me para elektronike kan\u00eb vijuar t\u00eb rriten me ritme mjaft t\u00eb larta. Statistikat tregojn\u00eb se vitin e kaluar numri i pagesave me para elektronike arriti n\u00eb 10.2 milion\u00eb, n\u00eb rritje me 50% krahasuar me vitin 2021. Nd\u00ebrsa volumi total i transaksioneve arriti n\u00eb 45.3 miliard\u00eb lek\u00eb, me nj\u00eb rritje prej 190% krahasuar me vitin 2021.<\/span><\/p>\n Rritja e fort\u00eb e treguesve t\u00eb tregut t\u00eb paras\u00eb elektronike p\u00ebrkon me nj\u00eb interes t\u00eb lart\u00eb t\u00eb investitor\u00ebve p\u00ebr k\u00ebt\u00eb treg dhe me shtimin e numrit t\u00eb subjekteve t\u00eb licencuara. Vet\u00ebm n\u00eb dy vitet e fundit, Banka e Shqip\u00ebris\u00eb ka licencuar gjasht\u00eb institucione t\u00eb reja t\u00eb emetimit t\u00eb paras\u00eb elektronike.<\/span><\/p>\n Numri i p\u00ebrgjithsh\u00ebm i institucioneve t\u00eb licencuara t\u00eb paras\u00eb elektronike ka arritur tashm\u00eb n\u00eb n\u00ebnt\u00eb t\u00eb tilla. K\u00ebto institucione ofrojn\u00eb sh\u00ebrbime t\u00eb pagesave n\u00ebp\u00ebrmjet llogarive t\u00eb paras\u00eb elektronike. Ky model s\u00eb fundmi po t\u00ebrheq interesin edhe t\u00eb bankave tregtare.<\/span><\/p>\n Banka m\u00eb e madhe n\u00eb vend, Banka Komb\u00ebtare Tregtare (BKT) ka krijuar BKT Pay, kompani q\u00eb synon t\u00eb ushtroj\u00eb aktivitetin si institucion financiar i paras\u00eb elektronike dhe ofrimit t\u00eb sh\u00ebrbimeve t\u00eb pagesave.<\/span><\/p>\n Shifrat e tregut t\u00eb paras\u00eb elektronike tregojn\u00eb nj\u00eb konkurrenc\u00eb n\u00eb rritje p\u00ebr bankat nga institucionet financiare t\u00eb paras\u00eb elektronike. Kjo konkurrenc\u00eb \u00ebsht\u00eb nxitur sidomos nga ligji i ri \u201cP\u00ebr sh\u00ebrbimet e pagesave\u201d, miratuar n\u00eb vitin 2020.<\/span><\/p>\n Megjithat\u00eb, ligji nuk \u00ebsht\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 do 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.<\/span><\/p>\n Open banking pritet t\u00eb zbatohet duke filluar nga 1 janari 2024 dhe do t\u00eb mund\u00ebsoj\u00eb dy sh\u00ebrbime t\u00eb reja, at\u00eb t\u00eb inicimit t\u00eb sh\u00ebrbimit t\u00eb pages\u00ebs dhe t\u00eb informimit mbi llogarit\u00eb.<\/span><\/p>\n Nj\u00eb rregullore e r\u00ebnd\u00ebsishme n\u00eb zbatim t\u00eb ligjit n\u00eb fjal\u00eb do t\u00eb jet\u00eb edhe ajo \u201cP\u00ebr krahasueshm\u00ebrin\u00eb e tarifave t\u00eb lidhura me llogarit\u00eb e pagesave dhe p\u00ebr sh\u00ebrbimin e transferimit t\u00eb llogarive t\u00eb pagesave\u201d.<\/span><\/p>\n Rregullorja n\u00eb fjal\u00eb iu krijon mund\u00ebsin\u00eb p\u00ebrdoruesve t\u00eb transferojn\u00eb lirisht llogarit\u00eb e tyre mes bankave apo institucioneve t\u00eb tjera t\u00eb pagesave.\/E.Shehu<\/span><\/p>\n
![\"\"](\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/02\/nr-graf.jpg\")
<\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"