{"id":79727,"date":"2025-09-02T10:25:09","date_gmt":"2025-09-02T08:25:09","guid":{"rendered":"https:\/\/amcham.com.al\/?p=79727"},"modified":"2025-11-13T12:56:11","modified_gmt":"2025-11-13T11:56:11","slug":"flet-elton-collaku-administrator-i-unioni-financiar-digjitalizimi-qe-po-udheheq-tregun-fintech","status":"publish","type":"post","link":"https:\/\/amcham.com.al\/sq\/flet-elton-collaku-administrator-i-unioni-financiar-digjitalizimi-qe-po-udheheq-tregun-fintech\/","title":{"rendered":"Flet Elton \u00c7ollaku, Administrator \u00a0i Union Financiar Tiran\u00eb (UFT): Digjitalizimi q\u00eb po udh\u00ebheq tregun FinTech"},"content":{"rendered":"\n<ol class=\"wp-block-list\">\n<li><strong>Union Financiar Tiran\u00eb \u00ebsht\u00eb b\u00ebr\u00eb nj\u00eb em\u00ebr i r\u00ebnd\u00ebsish\u00ebm n\u00eb sektorin Fin Tech. Si e parashikon Union Financiar Tiran\u00eb zgjerimin e m\u00ebtejsh\u00ebm t\u00eb portofolit t\u00eb tij n\u00eb sektorin fintech n\u00eb Shqip\u00ebri dhe rajon?<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Union Financiar Tiran\u00eb (UFT) ka nd\u00ebrtuar nj\u00eb trash\u00ebgimi 30-vje\u00e7are n\u00eb fush\u00ebn e sh\u00ebrbimeve financiare, me nj\u00eb fokus t\u00eb pand\u00ebrprer\u00eb n\u00eb inovacion dhe p\u00ebrshtatje ndaj nevojave t\u00eb klient\u00ebve dhe zhvillimeve globale teknologjike. UFT ka qen\u00eb gjithmon\u00eb nj\u00eb hap p\u00ebrpara, duke sjell\u00eb risi n\u00eb m\u00ebnyr\u00ebn si kryhen pagesat n\u00eb Shqip\u00ebri dhe m\u00eb gjer\u00eb.<\/p>\n\n\n\n<p>Sot, p\u00ebrmes platform\u00ebs son\u00eb inovative <strong>UPay<\/strong>, jemi duke realizuar nj\u00eb zgjerim strategjik t\u00eb portofolit t\u00eb produkteve dhe klientel\u00ebs, duke hyr\u00eb fuqish\u00ebm n\u00eb segmentin fintech, si p\u00ebr klient\u00ebt individual\u00eb ashtu edhe p\u00ebr bizneset duke zhvilluar nj\u00eb ekosistem t\u00eb integruar pagesash q\u00eb p\u00ebrfshin: portofol dixhital p\u00ebr p\u00ebrdoruesit fundor\u00eb dhe klient\u00ebt biznes, zgjidhje p\u00ebr pagesa me kart\u00eb, QR Kod, NFC, API p\u00ebr pagesa t\u00eb integruara p\u00ebr e-commerce, pagesa t\u00eb faturave dhe transferta parash t\u00eb menj\u00ebhershme, e t\u00eb tjera zhvillime q\u00eb i shtohen vazhdimisht platform\u00ebs.<\/p>\n\n\n\n<p>Zgjerimi nuk ndodh rast\u00ebsisht. Ai nd\u00ebrtohet. N\u00eb nj\u00eb treg q\u00eb evoluon me shpejt\u00ebsin\u00eb e teknologjis\u00eb, t\u00eb mbetesh relevant do t\u00eb thot\u00eb t\u00eb ec\u00ebsh p\u00ebrpara, ndonj\u00ebher\u00eb edhe para k\u00ebrkesave t\u00eb klient\u00ebve. Kjo filozofi na ka udh\u00ebhequr n\u00eb nd\u00ebrtimin e UPay, nj\u00eb platform\u00eb q\u00eb sot ofron m\u00eb shum\u00eb se thjesht pagesa: ajo ofron zgjidhje, komoditet dhe mund\u00ebsi.<\/p>\n\n\n\n<p>Synimi yn\u00eb \u00ebsht\u00eb q\u00eb sh\u00ebrbimet tona t\u00eb evoluojn\u00eb me teknologjin\u00eb. K\u00ebshtu UPay \u00ebsht\u00eb kthyer n\u00eb nj\u00eb mision t\u00eb ri n\u00eb epok\u00ebn digjitale. Nj\u00eb platform\u00eb q\u00eb rritet me p\u00ebrdoruesit e saj dhe q\u00eb zgjerohet n\u00eb m\u00ebnyr\u00eb inteligjente, duke p\u00ebrfshir\u00eb m\u00eb shum\u00eb sh\u00ebrbime, m\u00eb shum\u00eb tregje dhe m\u00eb shum\u00eb segmente t\u00eb klientel\u00ebs duke u kthyer n\u00eb zgjedhjen e par\u00eb t\u00eb p\u00ebrdoruesve t\u00eb platformave dhe aplikacioneve financiare n\u00eb Shqip\u00ebri dhe rajon.<\/p>\n\n\n\n<p>2. <strong>Cili \u00ebsht\u00eb q\u00ebndrimi strategjik i Union Financiar ndaj implementimit t\u00eb modelit t\u00eb open banking n\u00eb Shqip\u00ebri?<\/strong><\/p>\n\n\n\n<p>Union Financiar Tiran\u00eb e konsideron implementimin e modelit t\u00eb Open Banking nj\u00eb hap thelb\u00ebsor drejt modernizimit t\u00eb sektorit financiar dhe rritjes s\u00eb transparenc\u00ebs, inovacionit dhe p\u00ebrfshirjes financiare n\u00eb Shqip\u00ebri. Ne kemi nj\u00eb qasje proaktive dhe vizionare ndaj Open Banking, duke e par\u00eb at\u00eb jo vet\u00ebm si nj\u00eb k\u00ebrkes\u00eb rregullatore, por si nj\u00eb mund\u00ebsi p\u00ebr t\u00eb krijuar vlera t\u00eb reja p\u00ebr p\u00ebrdoruesit dhe p\u00ebr tregun n\u00eb t\u00ebr\u00ebsi.<\/p>\n\n\n\n<p>Kemi nd\u00ebrtuar ura bashk\u00ebpunimi me t\u00eb gjitha bankat e nivelit t\u00eb dyt\u00eb p\u00ebr t\u2019i p\u00ebrfshir\u00eb n\u00eb platform\u00ebn ton\u00eb <strong>UPay<\/strong>, p\u00ebr t\u00eb sjell\u00eb p\u00ebrfitime konkrete p\u00ebr klient\u00ebt \u2013 qasje m\u00eb t\u00eb thjesht\u00eb n\u00eb llogari, pagesa t\u00eb drejtp\u00ebrdrejta me nj\u00eb klikim dhe nj\u00eb p\u00ebrvoj\u00eb pa barriera, e gjitha kjo me zero kosto p\u00ebr p\u00ebrdoruesin.<\/p>\n\n\n\n<p>\u00c7do integrim sjell sfidat e veta teknike, por edhe mund\u00ebsi p\u00ebr t\u00eb bashk\u00ebkrijuar. Stafet tona teknike kan\u00eb bashk\u00ebpunuar ngusht\u00eb me bankat, duke ndar\u00eb eksperienca dhe ide, me nj\u00eb q\u00ebllim t\u00eb vet\u00ebm: ta b\u00ebjm\u00eb Open Banking t\u00eb funksionoj\u00eb p\u00ebr t\u00eb gjith\u00eb: p\u00ebr p\u00ebrdoruesit, p\u00ebr bankat, p\u00ebr tregun.<\/p>\n\n\n\n<p>N\u00eb p\u00ebrfundim t\u00eb k\u00ebtij procesi, do t\u00eb jemi n\u00eb gjendje t\u00eb ofrojm\u00eb nj\u00eb p\u00ebrvoj\u00eb t\u00eb plot\u00eb multi-bank p\u00ebr p\u00ebrdoruesit e UPay, duke p\u00ebrfshir\u00eb kontrollin e llogarive dhe inicimin e pagesave. Kjo do t\u00eb p\u00ebrmir\u00ebsoj\u00eb ndjesh\u00ebm p\u00ebrvoj\u00ebn e p\u00ebrdoruesit dhe do t\u00eb rris\u00eb transparenc\u00ebn n\u00eb menaxhimin e financave personale.<\/p>\n\n\n\n<p>Ne jemi t\u00eb p\u00ebrkushtuar t\u00eb jemi n\u00eb pararoj\u00eb t\u00eb k\u00ebtij zhvillimi, duke kontribuar aktivisht n\u00eb nd\u00ebrtimin e nj\u00eb ekosistemi financiar m\u00eb t\u00eb hapur, m\u00eb t\u00eb integruar dhe m\u00eb t\u00eb orientuar nga nevojat e klientit.<\/p>\n\n\n\n<p>3. <strong>Si po p\u00ebrgatitet UFT p\u00ebr t\u00eb p\u00ebrmbushur standardet e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb dhe rregulloret e BE-s\u00eb n\u00eb lidhje me open banking dhe PSD2?<\/strong><\/p>\n\n\n\n<p>N\u00eb nj\u00eb kuad\u00ebr gjithnj\u00eb e m\u00eb t\u00eb dixhitalizuar financiar, UFT ka nd\u00ebrmarr\u00eb nj\u00eb udh\u00ebtim strategjik p\u00ebr t\u2019u p\u00ebrshtatur me k\u00ebrkesat n\u00eb rritje t\u00eb tregut dhe me nj\u00eb mjedis rregullator n\u00eb transformim t\u00eb vazhduesh\u00ebm. Duke kuptuar r\u00ebnd\u00ebsin\u00eb e p\u00ebrputhjes me Direktiv\u00ebn Evropiane p\u00ebr Sh\u00ebrbimet e Pagesave (PSD2) dhe synimet e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb p\u00ebr t\u00eb harmonizuar kuadrin ligjor me at\u00eb t\u00eb BE-s\u00eb, UFT ka nd\u00ebrtuar nj\u00eb infrastruktur\u00eb t\u00eb sigurt, transparente dhe t\u00eb hapur p\u00ebr inovacion.<\/p>\n\n\n\n<p>P\u00ebr ne, p\u00ebrshtatja me PSD2 nuk \u00ebsht\u00eb vet\u00ebm nj\u00eb detyrim ligjor, por nj\u00eb mund\u00ebsi p\u00ebr t\u00eb ridizenjuar m\u00ebnyr\u00ebn se si nd\u00ebrveprojm\u00eb me klient\u00ebt dhe partner\u00ebt. P\u00ebrmes platform\u00ebs son\u00eb ne kemi aft\u00ebsin\u00eb t\u00eb zhvillojm\u00eb API t\u00eb sigurta n\u00ebp\u00ebrmjet t\u00eb cilave pal\u00ebt e autorizuara mund t\u00eb aksesojn\u00eb informacionin dhe kryejn\u00eb transaksione n\u00eb p\u00ebrputhje t\u00eb plot\u00eb me protokollet e siguris\u00eb e cila \u00ebsht\u00eb n\u00eb qend\u00ebr t\u00eb \u00e7do procesi. N\u00eb p\u00ebrputhje me nenet ky\u00e7e t\u00eb PSD2 dhe udh\u00ebzimet e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, UFT ka zbatuar autentifikimin e fort\u00eb t\u00eb klientit (SCA). \u00c7do pages\u00eb apo akses n\u00eb llogarit\u00eb online mbrohet me autentifikim shum\u00ebfaktor\u00ebsh, p\u00ebrfshir\u00eb autentifikimin biometrik dhe verifikimin n\u00eb koh\u00eb reale, duke garantuar nj\u00eb eksperienc\u00eb t\u00eb sigurt p\u00ebr \u00e7do p\u00ebrdorues.<\/p>\n\n\n\n<p>UFT kujdeset vazhdimisht q\u00eb t\u00eb gjitha procedurat, produktet dhe sistemet e sh\u00ebrbimeve t\u00eb jen\u00eb n\u00eb p\u00ebrputhje t\u00eb plot\u00eb me rregulloren p\u00ebr sh\u00ebrbimet e pagesave dhe udh\u00ebzimet p\u00ebr zbatimin e open banking. N\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb, jan\u00eb nd\u00ebrmarr\u00eb hapa konkret\u00eb p\u00ebr t\u00eb garantuar p\u00ebrputhshm\u00ebrin\u00eb me GDPR, ve\u00e7an\u00ebrisht n\u00eb m\u00ebnyr\u00ebn se si menaxhohen dhe ruhen t\u00eb dh\u00ebnat personale t\u00eb klient\u00ebve.<\/p>\n\n\n\n<p>4. <strong>A ka plan UFT t\u00eb shnd\u00ebrrohet n\u00eb nj\u00eb \u201cplatform\u00eb financiare\u201d ku konsumator\u00ebt mund t\u00eb aksesojn\u00eb m\u00eb shum\u00eb se nj\u00eb institucion n\u00ebp\u00ebrmjet nj\u00eb aplikacioni t\u00eb vet\u00ebm, si UPay?<\/strong><\/p>\n\n\n\n<p>Kjo n\u00eb fakt \u00ebsht\u00eb filozofia q\u00eb na ka udh\u00ebhequr q\u00eb n\u00eb fillimet e zhvillimit t\u00eb UPay. M\u00eb shum\u00eb se nj\u00eb aplikacion, UPay \u00ebsht\u00eb nj\u00eb platform\u00eb e gjer\u00eb sh\u00ebrbimesh financiare shum\u00ebdimensionale dhe n\u00eb progres t\u00eb vazhduesh\u00ebm. Aktualisht, p\u00ebrdoruesit e UPay mund t\u00eb aksesojn\u00eb mbi 100 sh\u00ebrbime pagesash n\u00eb aplikacion p\u00ebr sh\u00ebrbime q\u00eb ofrohen nga institucione publike apo biznese t\u00eb ndryshme, q\u00eb nga pagesat e utiliteteve, transfertat e parave, abonimet n\u00eb internet, televizion, siguracionet, mikrokredi, pagesa online, e-commerce, pagesa me QR code, kart\u00eb debiti e shum\u00eb t\u00eb tjera. Pra, eksperienca multi institucionale ofrohet prej vitesh n\u00eb UPay, nd\u00ebrsa UFT luan rolin e nj\u00eb nd\u00ebrlidh\u00ebsi mes p\u00ebrdoruesit fundor dhe shum\u00eb ofruesve t\u00eb sh\u00ebrbimeve financiare.<\/p>\n\n\n\n<p>Vizioni yn\u00eb p\u00ebr t\u00eb ardhmen e financave n\u00eb Shqip\u00ebri synon ta vendos\u00eb UPay si nj\u00eb port\u00eb hyr\u00ebse n\u00eb nj\u00eb ekonomi m\u00eb t\u00eb integruar, m\u00eb t\u00eb digjitalizuar dhe m\u00eb t\u00eb drejt\u00eb financiarisht. Duke bashkuar n\u00eb nj\u00eb aplikacion t\u00eb vet\u00ebm sh\u00ebrbime nga shum\u00eb institucione, UPay po nd\u00ebrton baz\u00ebn p\u00ebr nj\u00eb ekosistem financiar ku p\u00ebrdoruesi dhe bashk\u00ebpunimi vendosen n\u00eb qend\u00ebr.<\/p>\n\n\n\n<p>Platforma do t\u00eb vazhdoj\u00eb t\u00eb zgjeroj\u00eb partneritetet me institucione t\u00eb reja, duke zgjeruar me tej gam\u00ebn e sh\u00ebrbimeve dhe kufijt\u00eb e p\u00ebrdorimit.&nbsp;<\/p>\n\n\n\n<p>5. <strong>\u00c7far\u00eb inovacionesh jan\u00eb n\u00eb zhvillim nga UPay dhe si do t\u00eb ndikojn\u00eb ato n\u00eb p\u00ebrmir\u00ebsimin e p\u00ebrvoj\u00ebs s\u00eb klientit n\u00eb Shqip\u00ebri?<\/strong><\/p>\n\n\n\n<p>N\u00eb nj\u00eb epok\u00eb ku p\u00ebrdoruesi k\u00ebrkon shpejt\u00ebsi, thjesht\u00ebsi dhe transparenc\u00eb, UPay po zhvillon nj\u00eb s\u00ebr\u00eb inovacionesh. Zhvillimet tona synojn\u00eb ta \u00e7ojn\u00eb p\u00ebrdoruesin drejt nj\u00eb p\u00ebrvoje financiare m\u00eb t\u00eb zgjuar, m\u00eb t\u00eb shpejt\u00eb dhe m\u00eb t\u00eb personalizuar.<\/p>\n\n\n\n<p>Transfertat Nd\u00ebrkomb\u00ebtare t\u00eb parave<strong> Western Union<\/strong> <strong>p\u00ebrmes UPay<\/strong> jan\u00eb t\u00eb disponueshme tashm\u00eb n\u00eb UPay.<\/p>\n\n\n\n<p>UPay \u00ebsht\u00eb b\u00ebr\u00eb portofoli i par\u00eb elektronik n\u00eb Evrop\u00eb q\u00eb ofron sh\u00ebrbimet e Western Union, si D\u00ebrgesa n\u00eb mbi 200 shtete dhe territore, ashtu edhe T\u00ebrheqje direkt n\u00eb llogarin\u00eb e tyre UPay. \u00c7do p\u00ebrdorues i UPay mund t\u00eb d\u00ebrgoj\u00eb apo t\u00eb marr\u00eb para n\u00eb \u00e7do cep t\u00eb bot\u00ebs ku operon Western Union.<\/p>\n\n\n\n<p>Ky integrim jo vet\u00ebm forcon pozicionin e UFT n\u00eb tregun lokal, por e pozicionon at\u00eb si nj\u00eb aktor me ndikim rajonal dhe nd\u00ebrkomb\u00ebtar n\u00eb sh\u00ebrbimet e pagesave.<\/p>\n\n\n\n<p><strong>Karta UPay Mastercard<\/strong> nj\u00eb tjet\u00ebr zhvillim i ri, ka hapur p\u00ebr UFT nj\u00eb der\u00eb drejt tregut t\u00eb kartave dhe pagesave t\u00eb avancuara. Karta UPay \u00ebsht\u00eb nj\u00eb kart\u00eb debiti q\u00eb lidhet direkt me aplikacionin UPay t\u00eb kart\u00ebmbajt\u00ebsit dhe i jep mund\u00ebsin\u00eb t\u00eb p\u00ebrdor\u00eb fondet e disponueshme n\u00eb llogarin\u00eb UPay. M\u00eb shum\u00eb sesa nj\u00eb produkt, \u00ebsht\u00eb nj\u00eb pik\u00eb kontakti e re me klientin, nj\u00eb m\u00ebnyr\u00eb p\u00ebr t\u00eb rritur numrin e klient\u00ebve aktiv\u00eb, t\u00eb angazhuar, q\u00eb p\u00ebrdorin platform\u00ebn n\u00eb m\u00ebnyr\u00eb t\u00eb vazhdueshme, brenda dhe jasht\u00eb Shqip\u00ebris\u00eb, online dhe n\u00eb dyqane fizike, madje edhe me Google Pay.<\/p>\n\n\n\n<p><strong>UPay p\u00ebr bizneset <\/strong>\u00ebsht\u00eb nj\u00eb tjet\u00ebr dimension i platform\u00ebs n\u00eb sh\u00ebrbim t\u00eb biznesit. Nd\u00ebrsa individ\u00ebt p\u00ebrfitojn\u00eb komoditetin, bizneset p\u00ebrfitojn\u00eb fuqin\u00eb e automatizimit. Me API t\u00eb dedikuara p\u00ebr integrim me platformat e-commerce, raportim n\u00eb koh\u00eb reale dhe zgjidhje t\u00eb siguris\u00eb sipas standardeve m\u00eb t\u00eb larta nd\u00ebrkomb\u00ebtare, UPay ka nisur t\u00eb zgjeroj\u00eb portofolin e vet edhe n\u00eb drejtim t\u00eb klient\u00ebve biznes, duke i ndihmuar t\u00eb transformojn\u00eb m\u00ebnyr\u00ebn si menaxhojn\u00eb pagesat dhe financat.<\/p>\n\n\n\n<p>Ky \u00ebsht\u00eb nj\u00eb hap i r\u00ebnd\u00ebsish\u00ebm strategjik q\u00eb e vendos UPay si nj\u00eb partner teknologjik edhe p\u00ebr zhvillimin e bizneseve.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Union Financiar Tiran\u00eb (UFT) ka nd\u00ebrtuar nj\u00eb trash\u00ebgimi 30-vje\u00e7are n\u00eb fush\u00ebn e sh\u00ebrbimeve financiare, me nj\u00eb fokus t\u00eb pand\u00ebrprer\u00eb n\u00eb inovacion dhe p\u00ebrshtatje ndaj nevojave t\u00eb klient\u00ebve dhe zhvillimeve globale teknologjike. UFT ka qen\u00eb gjithmon\u00eb nj\u00eb hap p\u00ebrpara, duke sjell\u00eb risi n\u00eb m\u00ebnyr\u00ebn si kryhen pagesat n\u00eb Shqip\u00ebri dhe m\u00eb gjer\u00eb. Sot, p\u00ebrmes platform\u00ebs son\u00eb [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":79725,"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":[423,333,335],"tags":[430],"class_list":["post-79727","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-anetaret-premium","category-blogu","category-lajme-nga-antaret","tag-union-financiar-tirane","post-wrapper","thrv_wrapper"],"acf":[],"_links":{"self":[{"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/posts\/79727","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=79727"}],"version-history":[{"count":0,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/posts\/79727\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/media\/79725"}],"wp:attachment":[{"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/media?parent=79727"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/categories?post=79727"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/tags?post=79727"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}