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Pagesat me kart\u00eb po rriten me ritme t\u00eb shpejta edhe p\u00ebr k\u00ebt\u00eb vit.<\/span><\/p>\n Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, n\u00eb gjasht\u00eb muajt e par\u00eb t\u00eb vitit u regjistruan gjithsej rreth 8.85 milion pagesa me kart\u00eb n\u00eb terminalet elektronike t\u00eb shitjes (POS). Numri i pagesave me kart\u00eb \u00ebsht\u00eb rritur me 36% krahasuar me gjasht\u00ebmujorin e par\u00eb t\u00eb vitit t\u00eb kaluar.<\/span><\/p>\n Nd\u00ebrkoh\u00eb, vlera totale e pagesave me kart\u00eb p\u00ebr gjasht\u00eb muaj ka arritur n\u00eb 37 miliard lek\u00eb, me nj\u00eb rritje prej 41% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit t\u00eb kaluar. Duke pasur parasysh se periudhat e pikut turistik korrik-gusht shoq\u00ebrohet me rritje t\u00eb pagesave me kart\u00eb, \u00ebsht\u00eb e pritshme q\u00eb vlera e pagesave p\u00ebr gjysm\u00ebn e dyt\u00eb t\u00eb vitit t\u00eb jet\u00eb m\u00eb e lart\u00eb.<\/span><\/p>\n Rritja e numrit t\u00eb turist\u00ebve t\u00eb huaj n\u00eb vitet e fundit \u00ebsht\u00eb nd\u00ebr faktor\u00ebt kryesor\u00eb q\u00eb po ndikon n\u00eb rritjen e shpejt\u00eb t\u00eb pagesave me kart\u00eb bankare n\u00eb Shqip\u00ebri.<\/span><\/p>\n Megjithat\u00eb, p\u00ebrve\u00e7 ndikimit t\u00eb ndjesh\u00ebm t\u00eb turizmit, vler\u00ebsohet se edhe p\u00ebrdorimi i pagesave me kart\u00eb nga rezident\u00ebt \u00ebsht\u00eb n\u00eb rritje n\u00eb vitet e fundit, sidomos pas periudh\u00ebs s\u00eb pandemis\u00eb.<\/span><\/p>\n Rritja e k\u00ebrkes\u00ebs s\u00eb tregut p\u00ebr pagesa me kart\u00eb po shoq\u00ebrohet edhe me zgjerimin e baz\u00ebs s\u00eb bizneseve q\u00eb pranojn\u00eb pagesa t\u00eb tilla dhe besohet se sektori i turizmit i ka dh\u00ebn\u00eb nj\u00eb shtys\u00eb t\u00eb konsiderueshme k\u00ebtyre pagesave.<\/span><\/p>\n Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, numri i terminaleve POS p\u00ebr pranimin e pagesave me kart\u00eb n\u00eb mesin e k\u00ebtij viti arriti n\u00eb 21 775, n\u00eb rritje t\u00eb m\u00ebtejshme me 23% krahasuar me mesin e vitit t\u00eb kaluar.<\/span><\/p>\n Rritja e pagesave me kart\u00eb \u00ebsht\u00eb nj\u00eb sinjal pozitiv n\u00eb drejtim t\u00eb uljes s\u00eb p\u00ebrdorimit t\u00eb paras\u00eb fizike n\u00eb ekonomi. Shqip\u00ebria \u00ebsht\u00eb nj\u00eb vend me shkall\u00eb t\u00eb p\u00ebrdorimit t\u00eb lart\u00eb t\u00eb paras\u00eb cash, fenomen i lidhur me nj\u00eb p\u00ebrfshirje ende t\u00eb pamjaftueshme financiare, por edhe me nivelin e konsideruesh\u00ebm t\u00eb informalitetit dhe evazionit fiskal.<\/span><\/p>\n Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, n\u00eb mesin e vitit 2024 numri i kartave bankare aktive arriti n\u00eb 1.48 milion\u00eb, n\u00eb rritje me pothuajse 6% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n Numri i kartave t\u00eb debitit arriti n\u00eb 1.29 milion, n\u00eb rritje 7% krahasuar me nj\u00eb vit m\u00eb par\u00eb. Ky produkt ngelet dominues dhe p\u00ebrb\u00ebn af\u00ebrsisht 87% t\u00eb numrit t\u00eb p\u00ebrgjithsh\u00ebm t\u00eb kartave bankare. Karta e debitit \u00ebsht\u00eb nj\u00eb instrument bazik pagese, i lidhur me llogarit\u00eb rrjedh\u00ebse t\u00eb bizneseve dhe individ\u00ebve.<\/span><\/p>\n Nd\u00ebrkoh\u00eb, n\u00eb dy vitet e fundit i jan\u00eb kthyer rritjes edhe kartat t\u00eb kreditit. N\u00eb mesin e k\u00ebtij viti, numri i kartave aktive t\u00eb kreditit t\u00eb sektorit bankar arriti n\u00eb pothuajse 121 mij\u00eb, me nj\u00eb rritje prej 4% krahasuar me nj\u00eb vit m\u00eb par\u00eb. Ndryshe nga kartat e debitit, q\u00eb n\u00eb mas\u00ebn m\u00eb t\u00eb madhe vazhdojn\u00eb t\u00eb p\u00ebrdoren p\u00ebr t\u00ebrheqje t\u00eb paras\u00eb cash nga llogarit\u00eb, kartat e kreditit jan\u00eb nj\u00eb produkt I dedikuar kryesisht p\u00ebr pagesa jo cash.\/E.Shehu<\/span><\/p>\n