Viti 2025 sh\u00ebnoi nj\u00eb pik\u00eb kthese historike p\u00ebr ekosistemin financiar n\u00eb Shqip\u00ebri, me nisjen zyrtare t\u00eb Open Banking dhe avancimin drejt integrimit n\u00eb zon\u00ebn SEPA, dy procese q\u00eb po transformojn\u00eb m\u00ebnyr\u00ebn sesi kryhen pagesat dhe sesi bashk\u00ebpunojn\u00eb aktor\u00ebt financiar\u00eb n\u00eb vend.
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Ky ka qen\u00eb gjithashtu nj\u00eb vit ve\u00e7an\u00ebrisht i suksessh\u00ebm p\u00ebr EasyPay, si n\u00eb aspektin e inovacionit ashtu edhe t\u00eb zgjerimit t\u00eb sh\u00ebrbimeve, duke p\u00ebrforcuar rolin ton\u00eb si lider n\u00eb modernizimin e tregut t\u00eb pagesave n\u00eb Shqip\u00ebri.<\/p>\n\n\n\n
1. Cilat jan\u00eb element\u00ebt q\u00eb e kan\u00eb b\u00ebr\u00eb EasyPay gjat\u00eb k\u00ebtyre 15 viteve lider n\u00eb tregun e pagesave elektronike, n\u00eb nj\u00eb koh\u00eb kur besimi i konsumatorit ndaj teknologjive financiare nuk ka qen\u00eb i lart\u00eb?<\/em><\/strong><\/p>\n\n\n\n Gjat\u00eb 15 viteve t\u00eb aktivitetit, EasyPay ka arritur t\u00eb nd\u00ebrtoj\u00eb nj\u00eb pozicion t\u00eb q\u00ebndruesh\u00ebm lider n\u00eb tregun e pagesave elektronike fal\u00eb nj\u00eb kombinimi element\u00ebsh kritik\u00eb q\u00eb adresojn\u00eb si nevojat e tregut, ashtu edhe munges\u00ebn fillestare t\u00eb besimit ndaj teknologjive financiare. Po aq e r\u00ebnd\u00ebsishme ka qen\u00eb edhe filozofia jon\u00eb e pandryshueshme p\u00ebr cil\u00ebsi t\u00eb lart\u00eb sh\u00ebrbimi, duke eliminuar vonesat, gabimet dhe \u00e7do eksperienc\u00eb q\u00eb mund t\u00eb prishte besimin e p\u00ebrdoruesve. N\u00eb tregun shqiptar \u2014 ku menaxhimi i paras\u00eb \u00ebsht\u00eb jasht\u00ebzakonisht i ndjesh\u00ebm \u2014 nj\u00eb klient i zhg\u00ebnjyer humbet p\u00ebrgjithmon\u00eb; p\u00ebr k\u00ebt\u00eb arsye, ne e kemi vendosur korrekt\u00ebsin\u00eb operacionale n\u00eb themel t\u00eb \u00e7do procesi.<\/p>\n\n\n\n Nj\u00eb tjet\u00ebr shtyll\u00eb ky\u00e7e ka qen\u00eb inovacioni i vazhduesh\u00ebm. Q\u00eb n\u00eb dit\u00ebn e par\u00eb ne soll\u00ebm pagesat real\u2013time n\u00eb nj\u00eb treg ku standardi i kohes ishin pagesat n\u00eb batch me disa dit\u00eb vones\u00eb. U b\u00ebm\u00eb kompania q\u00eb lan\u00e7oi portofolin e par\u00eb elektronik n\u00eb Shqip\u00ebri ne vitin 2014, mund\u00ebsuam pagesat peer-to-peer instant n\u00eb nj\u00eb moment kritik gjat\u00eb pandemis\u00eb Covid ne 2020, dhe s\u00eb fundmi gjate ketij viti, me Open Banking, realizuam transaksionin e par\u00eb t\u00eb k\u00ebtij lloji jo vet\u00ebm n\u00eb Shqip\u00ebri, por edhe n\u00eb rajon \u2014 nj\u00eb hap i r\u00ebnd\u00ebsish\u00ebm drejt modernizimit t\u00eb infrastruktur\u00ebs s\u00eb pagesave.<\/p>\n\n\n\n Po ashtu, vizioni yn\u00eb ka qen\u00eb i rr\u00ebnjosur te financial inclusion, duke ofruar shum\u00ebllojshm\u00ebri kanalesh pagesash q\u00eb u p\u00ebrshtaten t\u00eb gjitha shtresave t\u00eb popullsis\u00eb: pagesa me E-Wallet, karta, cash n\u00eb mbi 560 pika agjente, si dhe tashm\u00eb p\u00ebrmes Open Banking.<\/p>\n\n\n\n Por mbi t\u00eb gjitha, suksesi i EasyPay \u00ebsht\u00eb rezultat i ekipit ton\u00eb, nj\u00eb kombinim njer\u00ebzish k\u00ebmb\u00ebngul\u00ebs, vizionar\u00eb dhe t\u00eb p\u00ebrkushtuar ndaj misionit p\u00ebr t\u00eb demokratizuar sh\u00ebrbimet financiare n\u00eb vend p\u00ebr cdo shtres\u00eb t\u00eb popullit.<\/p>\n\n\n\n 2. Cilat jan\u00eb prioritetet dhe projektet kryesore q\u00eb EasyPay synon t\u00eb realizoj\u00eb n\u00eb vitet e ardhshme, ve\u00e7an\u00ebrisht pas licencimit p\u00ebr Open Banking dhe zhvillimit t\u00eb sh\u00ebrbimeve t\u00eb reja digjitale?<\/em><\/strong><\/p>\n\n\n\n Licencimi si aktori i par\u00eb i Open Banking n\u00eb Shqip\u00ebri dhe realizimi i transaksioneve t\u00eb para k\u00ebt\u00eb vit p\u00ebrb\u00ebn nj\u00eb pik\u00eb historike p\u00ebr Shqip\u00ebrin\u00eb si dhe p\u00ebr n\u00eb strategjin\u00eb ton\u00eb. Ky sukses vjen pas dy vitesh pun\u00eb intensive p\u00ebr nd\u00ebrtimin e nj\u00eb infrastrukture t\u00eb plot\u00eb dhe t\u00eb standardizuar me t\u00eb gjitha bankat e nivelit t\u00eb dyt\u00eb. N\u00eb paralel, gjat\u00eb k\u00ebtij viti kemi zgjeruar ndjesh\u00ebm portofolin e produkteve, duke p\u00ebrfshir\u00eb:<\/p>\n\n\n\n Pagesat e Tatimeve dhe Taksave, n\u00eb partneritet me Abi Bank (an\u00ebtare e AmCham).<\/p>\n\n\n\n Bashk\u00ebpunime t\u00eb reja me banka tregtare p\u00ebr t\u00eb mb\u00ebshtetur ekosistemin e kreditimit.<\/p>\n\n\n\n Ofrimin e eSIM n\u00eb tregun shqiptar si distributor kryesor.<\/p>\n\n\n\n Sh\u00ebrbime t\u00eb tjera q\u00eb forcojn\u00eb rolin ton\u00eb si platform\u00eb gjith\u00ebp\u00ebrfshir\u00ebse digjitale.<\/p>\n\n\n\n N\u00eb vitin 2026 dhe m\u00eb tej, prioritet mbetet rritja e interoperabilitetit mes sektorit fintech dhe bankave, p\u00ebrfshir\u00eb aksesin e fintech-eve n\u00eb clearing house t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, si pjes\u00eb e implementimit t\u00eb sistemit t\u00eb pagesave instant (TIPS clone). Nj\u00eb tjet\u00ebr drejtim strategjik \u00ebsht\u00eb zgjerimi i pagesave nd\u00ebrkomb\u00ebtare, jo vet\u00ebm brenda zon\u00ebs SEPA ku aktualisht po implementojm\u00eb sh\u00ebrbimet tona, por edhe n\u00eb tregje t\u00eb tjera, p\u00ebrmes partneriteteve me kompani globale t\u00eb infrastruktur\u00ebs s\u00eb pagesave cross-border. N\u00eb p\u00ebrmbledhje, vizioni yn\u00eb afatgjat\u00eb \u00ebsht\u00eb t\u00eb konsolidojm\u00eb modelin Super App, ku p\u00ebrdoruesi mund t\u00eb kryej\u00eb \u00e7do pages\u00eb dhe sh\u00ebrbim financiar n\u00eb nj\u00eb platform\u00eb t\u00eb vetme, pa vonesa, pa nd\u00ebrprerje dhe pa kompleksitet.<\/p>\n\n\n\n 3. Sa ndikim ka partneriteti me kompanin\u00eb amerikane Ria Money Transfer n\u00eb zgjerimin e sh\u00ebrbimeve dhe forcimin e lidhjeve financiare mes Shqip\u00ebris\u00eb dhe SHBA-s\u00eb?<\/em><\/strong><\/p>\n\n\n\n Partneriteti me Ria Money Transfer ka qen\u00eb nj\u00eb nga bashk\u00ebpunimet m\u00eb t\u00eb suksesshme strategjike t\u00eb EasyPay, dhe ky \u00ebsht\u00eb edhe shkaku pse p\u00ebr t\u00eb 9-in vit radhazi vijojm\u00eb t\u00eb rritemi me rezultate shum\u00eb pozitive n\u00eb sektorin e remitancave. N\u00ebp\u00ebrmjet Ria dhe EasyPay, diaspora dhe qytetar\u00ebt shqiptar\u00eb mund t\u00eb d\u00ebrgojn\u00eb dhe marrin d\u00ebrgesa nga mbi 190 vende, duke p\u00ebrfshir\u00eb SHBA-n\u00eb, me shpejt\u00ebsin\u00eb dhe \u00e7mimet m\u00eb konkurruese n\u00eb treg. Fal\u00eb k\u00ebtij partneriteti, EasyPay jo vet\u00ebm ka zgjeruar ndjesh\u00ebm gam\u00ebn e sh\u00ebrbimeve t\u00eb saj, por ka kontribuar edhe n\u00eb forcimin e lidhjeve ekonomike dhe financiare mes diaspor\u00ebs shqiptare n\u00eb SHBA dhe vendit ton\u00eb, duke krijuar ura m\u00eb efikase dhe m\u00eb t\u00eb p\u00ebrballueshme p\u00ebr d\u00ebrgimin e fondeve drejt Shqip\u00ebris\u00eb.<\/p>\n","protected":false},"excerpt":{"rendered":" Viti 2025 sh\u00ebnoi nj\u00eb pik\u00eb kthese historike p\u00ebr ekosistemin financiar n\u00eb Shqip\u00ebri, me nisjen zyrtare t\u00eb Open Banking dhe avancimin drejt integrimit n\u00eb zon\u00ebn SEPA, dy procese q\u00eb po transformojn\u00eb m\u00ebnyr\u00ebn sesi kryhen pagesat dhe sesi bashk\u00ebpunojn\u00eb aktor\u00ebt financiar\u00eb n\u00eb vend. Ky ka qen\u00eb gjithashtu nj\u00eb vit ve\u00e7an\u00ebrisht i suksessh\u00ebm p\u00ebr EasyPay, si n\u00eb aspektin […]<\/p>\n","protected":false},"author":15,"featured_media":85437,"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":[333,335],"tags":[],"class_list":["post-85438","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogu","category-lajme-nga-antaret","post-wrapper","thrv_wrapper"],"acf":[],"_links":{"self":[{"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/posts\/85438","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=85438"}],"version-history":[{"count":0,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/posts\/85438\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/media\/85437"}],"wp:attachment":[{"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/media?parent=85438"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/categories?post=85438"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/tags?post=85438"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
S\u00eb pari, ne kemi investuar fort n\u00eb edukimin financiar t\u00eb tregut dhe qytetar\u00ebve, duke shpjeguar p\u00ebrfitimet, sigurin\u00eb dhe thjesht\u00ebsin\u00eb e p\u00ebrdorimit t\u00eb sh\u00ebrbimeve fintech. Ky proces ka qen\u00eb vendimtar n\u00eb nj\u00eb mjedis ku kultura e pagesave elektronike ishte ende n\u00eb faz\u00eb t\u00eb hershme.<\/p>\n\n\n\n
Open Banking do t\u00eb ket\u00eb nj\u00eb rol transformues p\u00ebr tregun shqiptar, duke mund\u00ebsuar pagesa pay-by-bank n\u00eb t\u00eb gjitha aspektet e jet\u00ebs s\u00eb konsumatorit: nga ecommerce te pagesat me QR n\u00eb dyqane. Avantazhet jan\u00eb t\u00eb qarta \u2014 transaksione n\u00eb koh\u00eb reale, kosto m\u00eb t\u00eb ul\u00ebta p\u00ebr bizneset, dhe nj\u00eb eksperienc\u00eb moderne q\u00eb tashm\u00eb k\u00ebrkohet gjithnj\u00eb e m\u00eb shum\u00eb nga tregtar\u00ebt dhe konsumator\u00ebt.<\/p>\n\n\n\n
Gjithashtu, urojm\u00eb n\u00eb krijimin e nj\u00eb API qeveritare t\u00eb integruar p\u00ebr sh\u00ebrbimet e e-Albania, duke mund\u00ebsuar ofrimin e k\u00ebtyre sh\u00ebrbimeve p\u00ebr qytetar\u00ebt n\u00eb t\u00eb gjitha kanalet tona.<\/p>\n\n\n\n
N\u00eb nj\u00eb ekonomi si e jona q\u00eb po globalizohet me ritme t\u00eb shpejta kryesisht nga turizmi, synimi \u00ebsht\u00eb q\u00eb pagesat \u2014 qofshin vendase apo nd\u00ebrkomb\u00ebtare \u2014 t\u00eb realizohen n\u00eb koh\u00eb reale ose gati n\u00eb koh\u00eb reale.<\/p>\n\n\n\n
Ky sukses nuk vjen rast\u00ebsisht \u2014 ai \u00ebsht\u00eb produkt i nj\u00eb angazhimi t\u00eb p\u00ebrbashk\u00ebt t\u00eb Ria-s p\u00ebr tregun shqiptar dhe i pun\u00ebs son\u00eb p\u00ebr t\u00eb garantuar sh\u00ebrbime t\u00eb shpejta, t\u00eb sigurta dhe me kosto t\u00eb ul\u00ebt p\u00ebr komunitetin shqiptar n\u00eb diaspor\u00eb dhe me mbi 560 pika n\u00eb Shqip\u00ebri.<\/p>\n\n\n\n
Remitancat p\u00ebrb\u00ebjn\u00eb akoma dhe sot nj\u00eb sektor social-ekonomik me r\u00ebnd\u00ebsi kritike \u2014 sipas Bank\u00ebs Bot\u00ebrore, ato zun\u00eb rreth 8.5% t\u00eb PBB-s\u00eb s\u00eb Shqip\u00ebris\u00eb ne vitin 2024<\/strong>, duke ndikuar drejtp\u00ebrdrejt mir\u00ebqenien e mij\u00ebra familjeve.<\/p>\n\n\n\n