{"id":732040,"date":"2025-03-25T22:13:33","date_gmt":"2025-03-25T21:13:33","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=732040"},"modified":"2025-03-25T22:13:33","modified_gmt":"2025-03-25T21:13:33","slug":"visa-thelloi-kryesimin-ne-tregun-shqiptar-te-kartave-per-2024","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/03\/25\/visa-thelloi-kryesimin-ne-tregun-shqiptar-te-kartave-per-2024\/","title":{"rendered":"Visa thelloi kryesimin n\u00eb tregun shqiptar t\u00eb kartave p\u00ebr 2024","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Marka Visa thelloi kryesimin n\u00eb tregun e kartave t\u00eb pagesave n\u00eb Shqip\u00ebri p\u00ebr vitin e kaluar. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se n\u00eb fund t\u00eb vitit 2024, bankat tregtare shqiptare kishin mbi 781 mij\u00eb karta aktive t\u00eb l\u00ebshuara me mark\u00ebn e Visa, shif\u00ebr kjo n\u00eb rritje me 7.1% krahasuar me nj\u00eb vit m\u00eb par\u00eb. <\/span><\/p>\n

Visa e ka rritur pjes\u00ebn e saj t\u00eb tregut t\u00eb 51.7% t\u00eb numrit total t\u00eb kartave aktive n\u00eb Shqip\u00ebri, nga 50.9% q\u00eb mbante n\u00eb fund t\u00eb vitit 2023. Gjigandi tjet\u00ebr global i pagesave, Mastercard renditet i dyti, me rreth 729 mij\u00eb karta aktive. <\/span><\/p>\n

Numri i kartave Mastercard \u00ebsht\u00eb rritur, me 4.6% m\u00eb shum\u00eb krahasuar vitin 2021. Kartat e l\u00ebshuara n\u00eb em\u00ebr t\u00eb Mastercard p\u00ebrb\u00ebnin 48.3% t\u00eb numrit total t\u00eb artave aktive, n\u00eb rritje nga niveli prej 49.1% q\u00eb zinin nj\u00eb vit m\u00eb par\u00eb. Visa dhe Mastercard zot\u00ebrojn\u00eb plot\u00ebsisht tregun e kartave pagesave n\u00eb Shqip\u00ebri, duke filluar q\u00eb nga viti 2023. <\/span><\/p>\n

N\u00eb vitet e m\u00ebparshme, nj\u00eb pjes\u00eb modeste tregu e zot\u00ebronte American Express, si edhe kartat lokale t\u00eb l\u00ebshuara nga institucionet shqiptare t\u00eb pagesave. Por, qysh n\u00eb vitin 2023 American Express doli nga tregu, pas shkrirjes s\u00eb Alpha Banka Albania, banka e fundit tregtare n\u00eb Shqip\u00ebri q\u00eb l\u00ebshonte ende karta t\u00eb k\u00ebsaj kompanie. <\/span><\/p>\n

N\u00eb dhjetor t\u00eb vitit 2022, Alpha Banka Albania u bashkua ligj\u00ebrisht me Bank\u00ebn OTP Albania. Edhe kartat lokale, q\u00eb gjithsesi kishin qen\u00eb n\u00eb shifra t\u00eb pap\u00ebrfillshme, tashm\u00eb kan\u00eb dal\u00eb plot\u00ebsisht nga tregu. <\/span><\/p>\n

Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, numri i kartave bankare aktive t\u00eb l\u00ebshuara nga sektori financiar shqiptar arriti n\u00eb 1.51 milion\u00eb, n\u00eb rritje me 5.6% krahasuar me nj\u00eb vit m\u00eb par\u00eb. <\/span><\/p>\n

Numri i kartave t\u00eb debitit arriti n\u00eb 1.32 milion\u00eb, n\u00eb rritje vjetore me 6.7%. Ky produkt ngelet dominues dhe p\u00ebrb\u00ebn pothuajse 88% 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, viti 2024 dhe tremujori i fundit solli r\u00ebnie n\u00eb segmentin e kartave t\u00eb kreditit. N\u00eb fund t\u00eb vitit t\u00eb kaluar, sektori bankar raportonte pak m\u00eb shum\u00eb se 113 mij\u00eb karta krediti aktive, me nj\u00eb r\u00ebnie vjetore prej 5.3%. <\/span><\/p>\n

Gjat\u00eb vitit 2024, pagesat me kart\u00eb n\u00eb terminalet POS (pikat elektronike t\u00eb shitjes) arrit\u00ebn n\u00eb pothuajse 19.6 milion\u00eb, me nj\u00eb rritje prej 35% krahasuar me nj\u00eb vit m\u00eb par\u00eb. N\u00eb vler\u00eb transaksionesh, pagesat me kart\u00eb vitin e kaluar arrit\u00ebn n\u00eb 64.1 miliard\u00eb lek\u00eb, 30% m\u00eb shum\u00eb krahasuar me vitin 2023. <\/span><\/p>\n

P\u00ebr vitin 2024, volumi i pagesave n\u00eb terminale POS p\u00ebrb\u00ebnte 16% t\u00eb vler\u00ebs totale t\u00eb veprimeve me karta, nga 14.5% q\u00eb kishte qen\u00eb pesha e k\u00ebtyre veprimeve nj\u00eb vit m\u00eb par\u00eb. Pagesat me kart\u00eb n\u00eb vitet e fundit jan\u00eb nxitur sidomos nga shtimi i numrit t\u00eb turist\u00ebve t\u00eb huaj. <\/span><\/p>\n

K\u00ebrkesa nga turist\u00ebt e huaj p\u00ebr t\u00eb paguar me kart\u00eb ka shtyr\u00eb nj\u00eb num\u00ebr m\u00eb t\u00eb madh biznesesh t\u00eb pranojn\u00eb pagesa me k\u00ebto instrumente. 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. <\/span><\/p>\n

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

Kartat ngelet instrumenti dominues p\u00ebr pagesat jo cash n\u00eb ekonomi. Megjithat\u00eb, me implementimin e projektit t\u00eb instant payments (pagesave t\u00eb shpejta) nga Banka e Shqip\u00ebris\u00eb vler\u00ebsohet se mund t\u00eb rritet p\u00ebrdorimi i formave m\u00eb t\u00eb reja t\u00eb pages\u00ebs direct nga llogaria bankare, n\u00ebp\u00ebrmjet telefonave celular\u00eb.<\/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":"

Marka Visa thelloi kryesimin n\u00eb tregun e kartave t\u00eb pagesave n\u00eb Shqip\u00ebri p\u00ebr vitin e kaluar. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se n\u00eb fund t\u00eb vitit 2024, bankat tregtare shqiptare kishin mbi 781 mij\u00eb karta aktive t\u00eb l\u00ebshuara me mark\u00ebn e Visa, shif\u00ebr kjo n\u00eb rritje me 7.1% krahasuar me nj\u00eb vit m\u00eb […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":32,"featured_media":439687,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-732040","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\/732040","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=732040"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/732040\/revisions"}],"predecessor-version":[{"id":732041,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/732040\/revisions\/732041"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/439687"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=732040"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=732040"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=732040"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}