{"id":775949,"date":"2025-12-10T07:35:37","date_gmt":"2025-12-10T06:35:37","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=775949"},"modified":"2025-12-10T07:35:37","modified_gmt":"2025-12-10T06:35:37","slug":"veprimet-me-internet-banking-shqiperia-eshte-shume-mbrapa-vendeve-te-rajonit","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/12\/10\/veprimet-me-internet-banking-shqiperia-eshte-shume-mbrapa-vendeve-te-rajonit\/","title":{"rendered":"Veprimet me internet banking, Shqip\u00ebria \u00ebsht\u00eb shum\u00eb mbrapa vendeve t\u00eb rajonit","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

\"\"
\nMe gjith\u00eb rritjen e shpejt\u00eb t\u00eb viteve t\u00eb fundit, Shqip\u00ebria ngelet shum\u00eb mbrapa vendeve t\u00eb rajonit n\u00eb volumin e pagesave t\u00eb kryera n\u00ebp\u00ebrmjet kanaleve bankare dixhitale.<\/span><\/p>\n

Sipas t\u00eb dh\u00ebnave krahasuese nga Fondi Monetar Nd\u00ebrkomb\u00ebtar (FMN), vlera e transaksioneve bankare t\u00eb kryera n\u00ebp\u00ebrmjet internet banking ose mobile banking n\u00eb Shqip\u00ebri vitin e kaluar kishte nj\u00eb vler\u00eb sa 94.28% e Prodhimit t\u00eb Brendsh\u00ebm Bruto (PBB). Ky tregues \u00ebsht\u00eb rritur ndjesh\u00ebm krahasuar me nivelin 84.57% t\u00eb vitit 2023 dhe 63.10% t\u00eb vitit 2020.<\/span><\/p>\n

Por, megjithat\u00eb, vendi yn\u00eb ngelet ende shum\u00eb mbrapa qoft\u00eb edhe n\u00eb krahasim me ekonomit\u00eb fqinje t\u00eb Ballkanit Per\u00ebndimor.<\/span><\/p>\n

Vendi i dyt\u00eb n\u00eb renditje, Kosova, ka nj\u00eb raport t\u00eb veprimeve t\u00eb bankingut dixhital ndaj PBB-s\u00eb n\u00eb nivelin 242.3% ose mbi dy her\u00eb e gjysm\u00eb m\u00eb t\u00eb lart\u00eb krahasuar me Shqip\u00ebrin\u00eb.<\/span><\/p>\n

Nd\u00ebrkoh\u00eb, vendet e tjera t\u00eb rajonit kan\u00eb nj\u00eb p\u00ebrqindje edhe m\u00eb t\u00eb lart\u00eb t\u00eb volumeve t\u00eb pagesave me internet banking, kundrejt madh\u00ebsis\u00eb s\u00eb ekonomis\u00eb s\u00eb tyre.<\/span><\/p>\n

N\u00eb Bosnje-Hercegovin\u00eb, vlera e veprime me e-banking \u00ebsht\u00eb sa 318.08% e PBB-s\u00eb, n\u00eb Maqedonin\u00eb e Veriut sa 431.75% e PBB-s\u00eb dhe n\u00eb Serbi sa 432.75% e PBB-s\u00eb.<\/span><\/p>\n

Sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, numri total i veprimeve bankare n\u00eb distanc\u00eb vitin e kaluar arriti n\u00eb 9.36 milion\u00eb, niveli m\u00eb i lart\u00eb i regjistruar ndonj\u00ebher\u00eb. Krahasuar me nj\u00eb vit m\u00eb par\u00eb, shqiptar\u00ebt e rrit\u00ebn numrin e veprimeve bankare n\u00eb distanc\u00eb me 22% ose me 1.7 milion\u00eb veprime m\u00eb shum\u00eb. N\u00eb harkun e pes\u00eb viteve t\u00eb fundit, numri i transaksioneve t\u00eb home banking \u00ebsht\u00eb rritur me pothuajse 160%.<\/span><\/p>\n

Nd\u00ebrsa vlera totale e veprimeve t\u00eb bankingut n\u00eb distanc\u00eb p\u00ebr 2024 arriti n\u00eb 2.39 trilion\u00eb lek\u00eb, n\u00eb rritje me 19% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Tendenca rrit\u00ebse e veprimeve n\u00ebp\u00ebrmjet kanaleve dixhitale ka vijuar e q\u00ebndrueshme n\u00eb t\u00eb gjith\u00eb periudh\u00ebn pas pandemis\u00eb. Sh\u00ebrbimi i internet banking ofrohet tashm\u00eb nga t\u00eb gjitha bankat tregtare n\u00eb Shqip\u00ebri dhe numri i p\u00ebrdoruesve t\u00eb sh\u00ebrbimit po rritet me ritme t\u00eb shpejt\u00eb.<\/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%. Vler\u00ebsohet se 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.<\/span><\/p>\n

Megjithat\u00eb, po t\u00eb shohim krahasimet me vendet e rajonit, q\u00eb n\u00eb p\u00ebrgjith\u00ebsi kan\u00eb nj\u00eb stad t\u00eb ngjash\u00ebm t\u00eb zhvillimit ekonomik dhe shoq\u00ebror, Shqip\u00ebria ngelet ende shum\u00eb mbrapa.<\/span><\/p>\n

Q\u00eb prej tetorit t\u00eb k\u00ebtij vitit, ka hyr\u00eb n\u00eb fuqi nj\u00eb paket\u00eb ndryshimesh n\u00eb rregulloret e sistemeve t\u00eb pagesave, q\u00eb ka sjell\u00eb ulje t\u00eb ndjeshme t\u00eb komisioneve p\u00ebr transfertat komb\u00ebtare n\u00eb Lek\u00eb dhe n\u00eb Euro. Fryma e rregulloreve t\u00eb reja, p\u00ebrve\u00e7 uljes s\u00eb komisioneve p\u00ebr transfertat deri n\u00eb 10 milion\u00eb lek\u00eb, forcon m\u00eb shum\u00eb incentivat p\u00ebr kryerjen e pagesave n\u00eb rrug\u00eb elektronike.<\/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, Banka e Shqip\u00ebris\u00eb ka miratuar ndryshime q\u00eb parashikojn\u00eb q\u00eb p\u00ebr pagesat n\u00eb nisje t\u00eb urdh\u00ebruara nga klient\u00eb t\u00eb pjes\u00ebmarr\u00ebsve dhe q\u00eb transferohen n\u00ebp\u00ebrmjet sistemit AECH, por q\u00eb jan\u00eb 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, nuk duhet t\u00eb aplikohen komisione, p\u00ebrcjell Monitor<\/a><\/span>.<\/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. Dyfishimi i vler\u00ebs s\u00eb transfertave q\u00eb p\u00ebrjashtohen nga komisionet bankare e leht\u00ebson m\u00eb tej kryerjen e pagesave dhe transfertave n\u00eb vler\u00eb t\u00eb vog\u00ebl n\u00eb ekonomin\u00eb shqiptare.<\/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.\/ E.Shehu<\/span><\/p>\n

\"\"<\/a><\/span><\/p>\n

Burimi: FMN<\/span><\/p>\n<\/div>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Me gjith\u00eb rritjen e shpejt\u00eb t\u00eb viteve t\u00eb fundit, Shqip\u00ebria ngelet shum\u00eb mbrapa vendeve t\u00eb rajonit n\u00eb volumin e pagesave t\u00eb kryera n\u00ebp\u00ebrmjet kanaleve bankare dixhitale. Sipas t\u00eb dh\u00ebnave krahasuese nga Fondi Monetar Nd\u00ebrkomb\u00ebtar (FMN), vlera e transaksioneve bankare t\u00eb kryera n\u00ebp\u00ebrmjet internet banking ose mobile banking n\u00eb Shqip\u00ebri vitin e kaluar kishte nj\u00eb vler\u00eb […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":32,"featured_media":762690,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-775949","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\/775949","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=775949"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/775949\/revisions"}],"predecessor-version":[{"id":775950,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/775949\/revisions\/775950"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/762690"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=775949"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=775949"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=775949"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}