{"id":772402,"date":"2025-11-20T13:42:22","date_gmt":"2025-11-20T12:42:22","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=772402"},"modified":"2025-11-20T13:42:22","modified_gmt":"2025-11-20T12:42:22","slug":"rriten-pagesat-elektronike-67-e-transfertave-bankare-behen-nepermjet-internetit","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/11\/20\/rriten-pagesat-elektronike-67-e-transfertave-bankare-behen-nepermjet-internetit\/","title":{"rendered":"Rriten pagesat elektronike, 67% e transfertave bankare b\u00ebhen n\u00ebp\u00ebrmjet internetit","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Pagesat bankare po mbizot\u00ebrohen gjithnj\u00eb e m\u00eb shum\u00eb nga kanalet elektronike.<\/span><\/p>\n

Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, nga rreth 4.5 milion\u00eb transferta t\u00eb kryera nga klient\u00ebt e sektorit bankar p\u00ebr tremujorin e tret\u00eb 2025, 3 milion\u00eb veprime n\u00eb total ose rreth 67% e tyre u kryen n\u00ebp\u00ebrmjet kanaleve elektronike.<\/span><\/p>\n

P\u00ebr t\u00eb gjith\u00eb 9-mujorin 2025, pesha e veprimeve nga kanalet elektronike \u00ebsht\u00eb rritur n\u00eb 65% t\u00eb totalit, nd\u00ebrsa gjysm\u00ebn e par\u00eb t\u00eb vitit t\u00eb kaluar ato p\u00ebrb\u00ebnin rreth 61% t\u00eb numrit t\u00eb p\u00ebrgjithsh\u00ebm t\u00eb transfertave bankare.<\/span><\/p>\n

Transfertat elektronike, megjithat\u00eb, ngelen ende n\u00eb pakic\u00eb, t\u00eb matura n\u00eb vler\u00eb.<\/span><\/p>\n

Rreth 39% e vler\u00ebs s\u00eb p\u00ebrgjithshme t\u00eb transfertave p\u00ebr 9-mujorin 2025 u krye n\u00ebp\u00ebrmjet internet banking\/mobile banking. Kjo tregon se transfertat n\u00ebp\u00ebrmjet internetit jan\u00eb mbizot\u00ebruese sidomos n\u00eb pagesat me vler\u00eb m\u00eb t\u00eb vog\u00ebl, nd\u00ebrsa transfertat me vlera t\u00eb m\u00ebdha, t\u00eb lidhura kryesisht me bizneset kryhen n\u00eb pjes\u00ebn m\u00eb t\u00eb madhe n\u00eb form\u00eb tradicionale, nga sportelet e bankave.<\/span><\/p>\n

P\u00ebrdorimi i kanaleve online \u00ebsht\u00eb i r\u00ebnd\u00ebsish\u00ebm p\u00ebr t\u00eb kursyer koh\u00eb, por edhe p\u00ebr t\u00eb mund\u00ebsuar nj\u00eb shfryt\u00ebzim m\u00eb eficient t\u00eb sporteleve t\u00eb bankave, duke i shfryt\u00ebzuar k\u00ebto sportele vet\u00ebm p\u00ebr marrjen e atyre sh\u00ebrbimeve dhe produkteve ku prania fizike \u00ebsht\u00eb ende e domosdoshme.<\/span><\/p>\n

Aktualisht, t\u00eb gjitha bankat tregtare n\u00eb Shqip\u00ebri e ofrojn\u00eb sh\u00ebrbimet e internet banking. Kjo n\u00ebnkupton se \u00e7do klient i sektorit bankar ka n\u00eb dispozicion nj\u00eb kanal alternativ p\u00ebr kryerjen e pagesave dhe marrjen e sh\u00ebrbimeve t\u00eb pagesave, pa qen\u00eb nevoja p\u00ebr shkuar domosdoshm\u00ebrisht n\u00eb deg\u00eb.<\/span><\/p>\n

P\u00ebrdorimi i pagesave nga kanalet elektronike \u00ebsht\u00eb nxitur edhe nga leht\u00ebsit\u00eb tarifore t\u00eb vendosura nga Banka e Shqip\u00ebris\u00eb.<\/span><\/p>\n

N\u00eb rregulloren e re \u201cP\u00ebr funksionimin e sistemit t\u00eb klerimit t\u00eb pagesave me vler\u00eb t\u00eb vog\u00ebl \u2013 AECH\u201d, n\u00eb shtator t\u00eb k\u00ebtij viti, Banka e Shqip\u00ebris\u00eb ka miratuar ndryshime q\u00eb shtojn\u00eb edhe m\u00eb shum\u00eb incentivat p\u00ebr kanalet elektronike t\u00eb pagesave.<\/span><\/p>\n

P\u00ebr pagesat n\u00eb nisje t\u00eb iniciuara n\u00eb form\u00eb elektronike, me vler\u00eb m\u00eb t\u00eb vog\u00ebl ose t\u00eb barabart\u00eb me 40 mij\u00eb lek\u00eb, bankat nuk duhet t\u00eb aplikojn\u00eb komisione.<\/span><\/p>\n

M\u00eb par\u00eb, vlera maksimale e p\u00ebrjashtuar nga komisionet p\u00ebr transfertat e kryera n\u00eb form\u00eb elektronike (n\u00ebp\u00ebrmjet sh\u00ebrbimeve t\u00eb internet banking ose mobile banking) ishte 20 mij\u00eb lek\u00eb.<\/span><\/p>\n

P\u00ebr transfertat mbi 40 mij\u00eb lek\u00eb, deri n\u00eb vler\u00ebn e 10 milion\u00eb lek\u00ebve, q\u00eb kryhen n\u00eb rrug\u00eb elektronike komisioni maksimal i lejuar parashikohet n\u00eb nivelin 0.005% t\u00eb vler\u00ebs s\u00eb transferuar. P\u00ebr shembull, nj\u00eb transfert\u00eb e kryera me e-banking me vler\u00eb 1 milion lek\u00eb nuk mund t\u00eb ngarkohet nga bankat dhe institucionet financiare me nj\u00eb komision m\u00eb t\u00eb lart\u00eb se 50 lek\u00eb.<\/span><\/p>\n

Nd\u00ebrsa, p\u00ebr transfertat n\u00eb form\u00eb let\u00ebr (q\u00eb kryhen n\u00eb deg\u00eb) me vler\u00eb deri n\u00eb 10 milion\u00eb lek\u00eb, komisioni maksimal i lejuar do t\u00eb jet\u00eb 0.01%.<\/span><\/p>\n

Institucioneve t\u00eb pagesave u lejohet vendosja e nj\u00eb komisioni minimal t\u00eb shprehur n\u00eb vler\u00eb absolute, me q\u00ebllim mbulimin e kostove p\u00ebr ofrimin e sh\u00ebrbimit. Kjo vler\u00eb mund t\u00eb jet\u00eb deri n\u00eb 500 lek\u00eb p\u00ebr transfertat n\u00eb deg\u00eb dhe 50 lek\u00eb p\u00ebr transfertat elektronike (vet\u00ebm p\u00ebr ato transferta elektronike q\u00eb kalojn\u00eb vler\u00ebn e 40 mij\u00eb lek\u00ebve).<\/span><\/p>\n

N\u00eb total, komisionet p\u00ebr transfertat komb\u00ebtare deri n\u00eb 10 milion\u00eb lek\u00eb nuk mund t\u00eb kalojn\u00eb n\u00eb asnj\u00eb rast vler\u00ebn e 1 mij\u00eb lek\u00ebve.<\/span><\/p>\n

Me rregulloren e m\u00ebparshme, transfertat deri n\u00eb vler\u00ebn e 1.5 milion\u00eb lek\u00ebve kishin nj\u00eb komision tavan deri n\u00eb 500 lek\u00eb p\u00ebr transfertat e kryera n\u00eb deg\u00eb dhe 250 lek\u00eb p\u00ebr transfertat e kryera me internet banking. Nd\u00ebrsa transfertat me vler\u00eb m\u00eb t\u00eb lart\u00eb se 1.5 milion\u00eb lek\u00eb kishin nj\u00eb komision tavan deri n\u00eb 1500 lek\u00eb (750 lek\u00eb n\u00ebp\u00ebrmjet e-banking).<\/span><\/p>\n

P\u00ebrve\u00e7 uljes s\u00eb komisioneve, kuadri i ri rregullator u vendos bankave edhe detyrimin q\u00eb transfertat komb\u00ebtare t\u00eb finalizohen brenda dit\u00ebs s\u00eb pun\u00ebs. Me rregulloren e m\u00ebparshme, kryerja e transfertave komb\u00ebtare mes bankave t\u00eb ndryshme kishte afat nj\u00eb dit\u00eb pune.<\/span><\/p>\n

N\u00eb fund t\u00eb vitit 2024, numri i llogarive bankare t\u00eb lidhura me internetin arriti n\u00eb 1.35 milion\u00eb, n\u00eb rritje vjetore me 23%. Tashm\u00eb 39% e llogarive bankare aktive jan\u00eb t\u00eb aksesueshme nga interneti, nga 34% q\u00eb kishte qen\u00eb ky tregues n\u00eb fund t\u00eb vitit 2023 dhe m\u00eb pak se 20% q\u00eb ishte n\u00eb vitin 2020.\/Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Pagesat bankare po mbizot\u00ebrohen gjithnj\u00eb e m\u00eb shum\u00eb nga kanalet elektronike. Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, nga rreth 4.5 milion\u00eb transferta t\u00eb kryera nga klient\u00ebt e sektorit bankar p\u00ebr tremujorin e tret\u00eb 2025, 3 milion\u00eb veprime n\u00eb total ose rreth 67% e tyre u kryen n\u00ebp\u00ebrmjet kanaleve elektronike. P\u00ebr t\u00eb gjith\u00eb 9-mujorin 2025, […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":772403,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-772402","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\/772402","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\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=772402"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/772402\/revisions"}],"predecessor-version":[{"id":772404,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/772402\/revisions\/772404"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/772403"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=772402"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=772402"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=772402"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}