{"id":731198,"date":"2025-03-20T20:31:07","date_gmt":"2025-03-20T19:31:07","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=731198"},"modified":"2025-03-20T20:31:07","modified_gmt":"2025-03-20T19:31:07","slug":"sejko-perfshirja-financiare-eshte-rritur-78-e-shqiptareve-kane-llogari-pagese","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/03\/20\/sejko-perfshirja-financiare-eshte-rritur-78-e-shqiptareve-kane-llogari-pagese\/","title":{"rendered":"Sejko: P\u00ebrfshirja financiare \u00ebsht\u00eb rritur, 78% e shqiptar\u00ebve kan\u00eb llogari pagese","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

<\/span><\/p>\n

N\u00eb dekad\u00ebn e fundit, Shqip\u00ebria ka b\u00ebr\u00eb hapa t\u00eb m\u00ebdhenj p\u00ebrpara n\u00eb drejtim t\u00eb p\u00ebrfshirjes financiare dhe dixhitalizimit t\u00eb sh\u00ebrbimeve. <\/span><\/p>\n

N\u00eb fjal\u00ebn e tij n\u00eb forumin e biznesit \u201dE ardhmja \u00ebsht\u00eb tani: Si po riform\u00ebson inovacioni, sh\u00ebrbimet financiare shqiptare n\u00eb 2025 dhe m\u00eb tej?\u201d, Guvernatori i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, Gent Sejko, tha se p\u00ebrfshirja financiare \u2013 e matur si p\u00ebrqindje e popullsis\u00eb q\u00eb zot\u00ebron t\u00eb pakt\u00ebn nj\u00eb llogari financiare \u2013 ka arritur n\u00eb 78%, nga rreth 40% n\u00eb vitin 2015. <\/span><\/p>\n

Nd\u00ebrsa numri i pagesave dixhitale p\u00ebr frym\u00eb ka arritur n\u00eb 23 n\u00eb vitin 2024, nga vet\u00ebm 2 pagesa p\u00ebr frym\u00eb n\u00eb vitin 2015. Ai theksoi se infrastruktura p\u00ebr pranimin e instrumenteve digjitale t\u00eb pagesave gjithashtu ka njohur rritje t\u00eb p\u00ebrshpejtuar. <\/span><\/p>\n

\u201cT\u00eb gjith\u00eb jemi d\u00ebshmitar\u00eb t\u00eb nj\u00eb transformimi thelb\u00ebsor p\u00ebr m\u00ebnyr\u00ebn se si ofrohen, konsumohen dhe kuptohen sh\u00ebrbimet financiare. Risit\u00eb teknologjike po ndryshojn\u00eb peizazhin financiar n\u00eb Shqip\u00ebri, duke nxitur zgjerimin e sh\u00ebrbimeve dhe p\u00ebrfshirjen financiare, si dhe duke ofruar mund\u00ebsi t\u00eb reja p\u00ebr bizneset dhe konsumator\u00ebt. Inovacioni nuk \u00ebsht\u00eb m\u00eb nj\u00eb luks apo di\u00e7ka q\u00eb i p\u00ebrket s\u00eb ardhmes. Ai \u00ebsht\u00eb nj\u00eb realitet i domosdosh\u00ebm q\u00eb po revolucionarizon m\u00ebnyr\u00ebn se si mendojn\u00eb bankat p\u00ebr pagesat, kredit\u00eb, investimet dhe m\u00eb tej. <\/span><\/em><\/p>\n

Transformimi digjital ka sjell\u00eb mund\u00ebsi t\u00eb reja p\u00ebr rritjen e efikasitetit t\u00eb sh\u00ebrbimeve financiare dhe rritjen e p\u00ebrfshirjes s\u00eb popullat\u00ebs n\u00eb financ\u00eb. <\/span><\/em><\/p>\n

Nj\u00eb nga ndikimet m\u00eb t\u00eb dukshme t\u00eb inovacionit n\u00eb sh\u00ebrbimet financiare t\u00eb Shqip\u00ebris\u00eb \u00ebsht\u00eb transformimi digjital i pagesave dhe i bankingut. Fal\u00eb p\u00ebrdorimit n\u00eb rritje t\u00eb teknologjis\u00eb celulare, internetit dhe promovimit t\u00eb produkteve inovative, konsumator\u00ebt po fitojn\u00eb akses n\u00eb sh\u00ebrbime financiare dhe mund t\u00eb menaxhojn\u00eb financat e tyre, t\u00eb transferojn\u00eb para, t\u00eb paguajn\u00eb faturat, n\u00eb m\u00ebnyr\u00eb elektronike. <\/span><\/em><\/p>\n

P\u00ebrdorimi i instrumenteve elektronike t\u00eb pagesave vijon t\u00eb rritet me ritme dyshifrore, duke ndihmuar n\u00eb reduktimin e p\u00ebrdorimit t\u00eb cash-it dhe rritjen e formalizimit t\u00eb ekonomis\u00eb. Instrumente t\u00eb reja, si pagesat n\u00ebp\u00ebrmjet portofoleve elektronike, po gjejn\u00eb p\u00ebrdorim gjithnj\u00eb e m\u00eb t\u00eb gjer\u00eb, duke u shtrir\u00eb edhe n\u00eb popullsi ku aksesi bankar \u00ebsht\u00eb m\u00eb i rrall\u00eb,\u201d<\/em> tha Sejko. <\/span><\/p>\n

Ai theksoi se Shqip\u00ebria ishte vendi i par\u00eb n\u00eb rajon, i cili transpozoi kuadrin evropian t\u00eb sh\u00ebrbimeve t\u00eb pagesave t\u00eb njohur si PSD2. <\/span><\/p>\n

\u201cKjo paket\u00eb rregullatore i hapi rrug\u00ebn aktor\u00ebve t\u00eb rinj fintech p\u00ebr ofrimin e produkteve t\u00eb pagesave t\u00eb p\u00ebrshtatura sipas nevojave t\u00eb klient\u00ebve, me kosto m\u00eb t\u00eb ul\u00ebta dhe leht\u00ebsisht t\u00eb p\u00ebrdorshme. Ajo solli dhe nj\u00eb koncept t\u00eb ri, at\u00eb t\u00eb \u201copen banking\u201d, duke nxitur konkurrenc\u00ebn n\u00eb treg. Deri m\u00eb sot, jan\u00eb autorizuar p\u00ebr t\u00eb kryer veprimtarin\u00eb e ofruesit t\u00eb sh\u00ebrbimit t\u00eb inicimit t\u00eb pagesave dhe at\u00eb t\u00eb informimit t\u00eb llogaris\u00eb, 2 institucione t\u00eb paras\u00eb elektronike dhe 4 t\u00eb tjera jan\u00eb n\u00eb proces shqyrtimi dhe vler\u00ebsimi. <\/span><\/em><\/p>\n

Sikurse jeni n\u00eb dijeni, jan\u00eb sh\u00ebnuar dhe transaksionet e para t\u00eb suksesshme, ai i inicimit t\u00eb pages\u00ebs dhe i informimit t\u00eb llogaris\u00eb, nd\u00ebrmjet nj\u00eb banke dhe nj\u00eb institucioni t\u00eb paras\u00eb elektronike, t\u00eb cilat presim t\u00eb rriten n\u00eb volume dhe t\u00eb shtrihen n\u00eb m\u00eb shum\u00eb subjekte. <\/span><\/em><\/p>\n

Gjithashtu, kemi siguruar ofrimin e infrastrukturave t\u00eb reja t\u00eb pagesave, si\u00e7 \u00ebsht\u00eb sistemi AIPS Euro, i cili ka mund\u00ebsuar shmangien e radh\u00ebve t\u00eb gjata n\u00ebp\u00ebr sportelet e bankave p\u00ebr kryerjen e pagesave n\u00eb euro nga nj\u00ebra bank\u00eb n\u00eb tjetr\u00ebn dhe uljen e komisioneve t\u00eb larta t\u00eb aplikuara nga transferimi p\u00ebrmes bankave korrespondente. <\/span><\/em><\/p>\n

Operimi i k\u00ebtij sistemi ka gjeneruar kursime t\u00eb konsiderueshme, t\u00eb cilat p\u00ebrllogariten n\u00eb rreth 100 milion\u00eb euro. Vet\u00ebm nga zerimi i komisioneve p\u00ebr pagesat deri n\u00eb 20,000 lek\u00eb n\u00eb vitin 2020, konsumator\u00ebve dhe bizneseve u jan\u00eb kursyer p\u00ebraf\u00ebrsisht 700 milion\u00eb lek\u00eb,\u201d<\/em> tha Guvernatori. <\/span><\/p>\n

Guvernatori theksoi gjithashtu p\u00ebrfitimet ekonomike nga an\u00ebtar\u00ebsimi n\u00eb SEPA, q\u00eb pritet t\u00eb reflektohen n\u00eb uljen e komisioneve nd\u00ebrkufitare n\u00eb euro, n\u00eb zgjerimin e marr\u00ebdh\u00ebnieve tregtare me BE-n\u00eb, n\u00eb zgjerimin e investimeve t\u00eb huaja n\u00eb vend etj. <\/span><\/p>\n

\u201cKomisionet p\u00ebr kryerjen e transaksioneve SEPA pritet t\u00eb jen\u00eb ndjesh\u00ebm m\u00eb t\u00eb ul\u00ebta sesa ato aktuale. Vler\u00ebsojm\u00eb se vet\u00ebm nga ulja e komisioneve, kryerja e transaksioneve n\u00ebp\u00ebrmjet\u00a0 skemave SEPA do t\u2019u kursej\u00eb agjent\u00ebve ekonomik\u00eb rreth 20 milion\u00eb euro n\u00eb vitin e par\u00eb. <\/span><\/em><\/p>\n

K\u00ebto p\u00ebrfitime do t\u00eb jen\u00eb t\u00eb prekshme, pasi secili institucion financiar t\u00eb aplikoj\u00eb dhe t\u00eb pranohet individualisht n\u00eb skemat SEPA. Banka e Shqip\u00ebris\u00eb po udh\u00ebheq procesin e aderimit t\u00eb \u00e7do institucioni financiar, duke vepruar si ur\u00eb lidh\u00ebse komunikimi dhe informacioni dhe duke monitoruar plot\u00ebsimin e kritereve p\u00ebrkat\u00ebse. <\/span><\/em><\/p>\n

Institucionet shqiptare pritet t\u00eb nisin aplikimet pran\u00eb EPC-s\u00eb duke nisur nga muaji prill 2025. Bankat vendase jan\u00eb angazhuar maksimalisht p\u00ebr plot\u00ebsimin e kritereve teknike dhe ligjore, ku duhet t\u00eb them, disa prej tyre k\u00ebrkojn\u00eb investime t\u00eb konsiderueshme financiare. Megjithat\u00eb, mbetemi besimplot\u00eb se qytetar\u00ebt dhe bizneset shqiptare do t\u00eb mund t\u00eb kryejn\u00eb transaksione SEPA duke nisur nga muaji tetor,<\/em>\u201d tha Sejko.<\/span><\/p>\n

VINI RE:<\/strong><\/span> Artikulli \u00ebsht\u00eb pron\u00ebsi intelektuale e Monitor<\/a><\/span>.<\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

N\u00eb dekad\u00ebn e fundit, Shqip\u00ebria ka b\u00ebr\u00eb hapa t\u00eb m\u00ebdhenj p\u00ebrpara n\u00eb drejtim t\u00eb p\u00ebrfshirjes financiare dhe dixhitalizimit t\u00eb sh\u00ebrbimeve. N\u00eb fjal\u00ebn e tij n\u00eb forumin e biznesit \u201dE ardhmja \u00ebsht\u00eb tani: Si po riform\u00ebson inovacioni, sh\u00ebrbimet financiare shqiptare n\u00eb 2025 dhe m\u00eb tej?\u201d, Guvernatori i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, Gent Sejko, tha se p\u00ebrfshirja financiare […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":32,"featured_media":723032,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-731198","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/731198","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=731198"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/731198\/revisions"}],"predecessor-version":[{"id":731202,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/731198\/revisions\/731202"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/723032"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=731198"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=731198"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=731198"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}