{"id":67539,"date":"2025-03-21T12:05:12","date_gmt":"2025-03-21T11:05:12","guid":{"rendered":"https:\/\/amcham.com.al\/?p=67539"},"modified":"2025-03-21T12:05:14","modified_gmt":"2025-03-21T11:05:14","slug":"java-e-parase-banka-e-shqiperise-dhe-amcham-flasin-per-open-banking-dhe-transaksionet-ne-zonen-sepa","status":"publish","type":"post","link":"https:\/\/amcham.com.al\/sq\/java-e-parase-banka-e-shqiperise-dhe-amcham-flasin-per-open-banking-dhe-transaksionet-ne-zonen-sepa\/","title":{"rendered":"Java e Paras\u00eb: Banka e Shqip\u00ebris\u00eb dhe AmCham flasin p\u00ebr Open Banking dhe transaksionet n\u00eb zon\u00ebn SEPA"},"content":{"rendered":"\n

\u201dJava e Paras\u00eb\u201d e organizuar nga  Banka  e Shqip\u00ebris\u00eb \u00ebsht\u00eb moment ideal p\u00ebr t\u00eb folur p\u00ebr nj\u00eb form\u00eb t\u00eb re dhe inovative t\u00eb pagesave \u201dOpen Banking\u201d e cila po revolucionarizon sektorin financiar n\u00eb Shqip\u00ebri, duke u p\u00ebrafruar me standardet e pagesave n\u00eb EU. Kjo ka nxitur bashk\u00ebpunimin mes Dhom\u00ebs Amerikane dhe Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb p\u00ebr t\u00eb organizuar Forumin me tem\u00eb \u201cE ardhmja \u00ebsht\u00eb tani: Si po riform\u00ebson inovacioni sh\u00ebrbimet financiare shqiptare n\u00eb 2025\u201d<\/p>\n\n\n\n

Takimi \u00ebsht\u00eb p\u00ebrsh\u00ebndetur nga Guvernatori Z.Gent Sejko i cili gjat\u00eb fjal\u00ebs s\u00eb tij tha se \u201cShqip\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. Kjo 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<\/em>\u201d, duke nxitur konkurrenc\u00ebn n\u00eb treg\u201d.<\/p>\n\n\n\n

N\u00eb nj\u00eb bot\u00eb ku teknologjia po ndryshon me shpejt\u00ebsi m\u00ebnyr\u00ebn se si b\u00ebjm\u00eb biznes, \u201cOpen Banking\u201d \u00ebsht\u00eb \u00e7el\u00ebsi inovativ q\u00eb e vendos n\u00eb nj\u00eb tjet\u00ebr stad raportin mes bank\u00ebs dhe konsumatorit duke vendosur terma t\u00eb reja t\u00eb konkurrenc\u00ebs, sh\u00ebrbimit t\u00eb personalizuar, eficenc\u00ebs n\u00eb sistemin e pagesave, reduktim t\u00eb kostove dhe siguris\u00eb q\u00eb duhet t\u00eb ket\u00eb ky raport.<\/p>\n\n\n\n

\u201cSi organizat\u00eb biznesi ne njohim potencialin q\u00eb kemi p\u00ebr t\u00eb luajtur nj\u00eb rol kritik n\u00eb promovimin dhe adoptimin e \u201cOpen Banking\u201d brenda komunitetit t\u00eb biznesit duke edukuar an\u00ebtar\u00ebt mbi p\u00ebrfitimet e Open Banking dhe se si ai mund t\u00eb transformoj\u00eb operacionet e tyre financiare\u201d- tha Z.Neritan Mullaj, Drejtor Ekzekutiv i AmCham Albania, gjat\u00eb p\u00ebrsh\u00ebndetjes. Z. Mullaj vendosi theksin n\u00eb faktin se \u00e7do proces vjen m\u00eb sfidat e veta dhe kalimi n\u00eb zon\u00ebn SEPA dhe aplikimi i \u201cOpen Banking\u201d do t\u00eb sjellin p\u00ebrfitime p\u00ebr sektorin financiar por nj\u00ebkoh\u00ebsisht do ti vendosi bankat lokale dhe bizneset p\u00ebrball\u00eb sfid\u00ebs s\u00eb p\u00ebrmir\u00ebsimit t\u00eb sistemeve dhe trajnimit t\u00eb personelit.<\/p>\n\n\n\n

Aplikimi i \u201cOpen Banking\u201d ndodh n\u00eb koh\u00ebn kur Shqip\u00ebria \u00ebsht\u00eb b\u00ebr\u00eb pjes\u00eb e SEPA duke nd\u00ebrmarr\u00eb nj\u00eb hap tjet\u00ebr drejt integrimit financiar me vendet e BE-s\u00eb dhe q\u00eb do t\u00eb leht\u00ebsoj\u00eb transaksionet me k\u00ebto vende duke mb\u00ebshtetur k\u00ebshtu tregtin\u00eb dhe investimet.  Ky moment i r\u00ebnd\u00ebsish\u00ebm \u00ebsht\u00eb diskutuar nga ekspert\u00eb t\u00eb fush\u00ebs s\u00eb financ\u00ebs dhe bankingut t\u00eb cil\u00ebt kan\u00eb skanuar sektorin financiar dhe legjislacionin n\u00eb t\u00eb cil\u00ebn do t\u00eb zhvillohet \u201cOpen Banking\u201d, si dhe efektet e tij n\u00eb veprimtarin\u00eb e biznesit. Paneli i moderuar nga Lindita Shomo, Kryetare e Komitetit Digjital AmCham dhe Drejtore Ekzekutive, EasyPay ka patur prezenc\u00ebn e Deniz Deralla, Drejtor i Departamentit t\u00eb Mbik\u00ebqyrjes, Banka e Shqip\u00ebris\u00eb, Ledia Bregu, Drejtore e Departamentit t\u00eb Sistemeve t\u00eb Pagesave, Kontabilitetit dhe Financ\u00ebs, Banka e Shqip\u00ebris\u00eb, Elton \u00c7ollaku, An\u00ebtar i Bordit AmCham, Administrator, Unioni Financiar Tiran\u00eb dhe Marin Gjonaj, An\u00ebtar Premium i AmCham, Kryetar i Bordit Drejtues, Gjonaj Group Holding.<\/p>\n\n\n\n

Moderuesja e takimit Znj.Lindita Shomo ka shpjeguar prakticitetin e \u201cOpen Banking\u201d dhe m\u00ebnyr\u00ebn se si biznesi mund t\u00eb p\u00ebrfitojn\u00eb nga ky sistem pagese si edhe nevoj\u00ebn p\u00ebr informim me t\u00eb cil\u00ebn duhet t\u00eb shoq\u00ebrohet ky proces nisur dhe nga eksperienca e institucionit financiar q\u00eb ajo drejton Easy Pay. Ekspert\u00ebt e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb kan\u00eb folur mbi sistemin rregullator q\u00eb rregullon \u201cOpen Banking\u201d dhe transaksionet n\u00eb zon\u00ebn SEPA duke p\u00ebrcjell\u00eb element\u00eb t\u00eb r\u00ebnd\u00ebsish\u00ebm n\u00eb zbatimin n\u00eb praktik\u00eb. Z.Deniz Deralla, Drejtor i Departamentit t\u00eb Mbik\u00ebqyrjes, ka shpjeguar se Banka e Shqip\u00ebris\u00eb ka hartuar n\u00eb koh\u00eb rekord rregulloren q\u00eb i jep mund\u00ebsi institucioneve financiare t\u00eb aplikojn\u00eb \u201cOpen Banking\u201d, duke ofruar k\u00ebt\u00eb sh\u00ebrbim p\u00ebr bizneset dhe individ\u00ebt.  \u201cOpen Banking do t\u00eb jet\u00eb nj\u00eb leht\u00ebsi p\u00ebr bizneset q\u00eb do ta p\u00ebrdorin nd\u00ebrkoh\u00eb q\u00eb aderimi n\u00eb zon\u00ebn SEPA do ti b\u00ebj\u00eb transaksionet rreth 10 -15 her\u00eb m\u00eb t\u00eb lira dhe Shqip\u00ebria \u00ebsht\u00eb e vetmja n\u00eb Rajon q\u00eb po operon brenda k\u00ebsaj zone\u201d \u2013 tha gjat\u00eb takimit, znj.Ledia Bregu, Drejtore e Departamentit t\u00eb Sistemeve t\u00eb Pagesave.<\/p>\n\n\n\n

P\u00ebrfaq\u00ebsuesit e Dhom\u00ebs Amerikane n\u00eb panel kan\u00eb sjell\u00eb eksperienc\u00ebn e tyre. Z.Elton \u00c7ollaku, An\u00ebtar i Bordit Drejtues, ka folur p\u00ebr m\u00ebnyr\u00ebn se si Unioni Financiar Tiran\u00eb, institucioni financiar q\u00eb drejton, po orienton proceset n\u00eb leht\u00ebsimin e veprimtaris\u00eb s\u00eb biznesit p\u00ebrmes proceseve t\u00eb sigurta. Z. \u00c7ollaku ishte i mendimit se Shqip\u00ebria ka sh\u00ebnuar nj\u00eb p\u00ebrparim t\u00eb ndjesh\u00ebm n\u00eb raport me fqinj\u00ebt n\u00eb zbatimin e k\u00ebtyre proceseve dhe ka sh\u00ebnuar p\u00ebrparime q\u00eb e kan\u00eb vendosur at\u00eb n\u00eb t\u00eb nj\u00ebjtin nivel me vendet e BE-s\u00eb.<\/p>\n\n\n\n

Si p\u00ebrfaq\u00ebsues i bizneseve n\u00eb sektorin e telekomunikacionit, Z. Marin Gjonaj tha gjat\u00eb fjal\u00ebs s\u00eb tij se \u201cSh\u00ebrbimet e pagesave dhe t\u00eb gjitha transaksioneve online jan\u00eb m\u00eb se t\u00eb domosdoshme n\u00eb k\u00ebt\u00eb koh\u00eb kur bizneset e Shqip\u00ebris\u00eb punojn\u00eb dhe konkurojn\u00eb n\u00eb aren\u00ebn nd\u00ebrkomb\u00ebtare, si\u00e7 jan\u00eb kompanit\u00eb e Gjonaj Group. Jam i bindur se p\u00ebrshpejtimi i \u201cOpen Banking\u201d p\u00ebr bizneset dhe ve\u00e7an\u00ebrisht SEPA do i ndihmoj\u00eb p\u00ebr mir\u00eb bizneset se do ul\u00eb kostot dhe do u jap\u00eb frym\u00ebmarrje operacioneve t\u00eb tyre nd\u00ebrkomb\u00ebtare\u201d.<\/p>\n\n\n\n

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\u201dJava e Paras\u00eb\u201d e organizuar nga  Banka  e Shqip\u00ebris\u00eb \u00ebsht\u00eb moment ideal p\u00ebr t\u00eb folur p\u00ebr nj\u00eb form\u00eb t\u00eb re dhe inovative t\u00eb pagesave \u201dOpen Banking\u201d e cila po revolucionarizon sektorin financiar n\u00eb Shqip\u00ebri, duke u p\u00ebrafruar me standardet e pagesave n\u00eb EU. Kjo ka nxitur bashk\u00ebpunimin mes Dhom\u00ebs Amerikane dhe Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb p\u00ebr […]<\/p>\n","protected":false},"author":15,"featured_media":67531,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","inline_featured_image":false,"footnotes":""},"categories":[333,322,324],"tags":[],"class_list":["post-67539","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogu","category-lajme","category-slaidet","post-wrapper","thrv_wrapper"],"acf":[],"_links":{"self":[{"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/posts\/67539","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/comments?post=67539"}],"version-history":[{"count":0,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/posts\/67539\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/media\/67531"}],"wp:attachment":[{"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/media?parent=67539"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/categories?post=67539"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/tags?post=67539"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}