{"id":78860,"date":"2024-03-04T13:08:01","date_gmt":"2024-03-04T13:08:01","guid":{"rendered":"https:\/\/www.shqiperia.com\/blog\/?p=78860"},"modified":"2024-03-04T14:30:08","modified_gmt":"2024-03-04T14:30:08","slug":"pagesat-me-kosto-te-lire-fokus-i-qeverise-shqiptare","status":"publish","type":"post","link":"https:\/\/www.shqiperia.com\/blog\/pagesat-me-kosto-te-lire-fokus-i-qeverise-shqiptare\/","title":{"rendered":"Pagesat me kosto t\u00eb lir\u00eb fokus i Qeveris\u00eb Shqiptare."},"content":{"rendered":"

N\u00eb nj\u00eb podcast t\u00eb kryeministrit t\u00eb Shqip\u00ebris\u00eb me titull “Celulari q\u00eb b\u00ebhet kulet\u00eb”, u diskutua mbi revolucionin neo-bankar n\u00eb Shqip\u00ebri dhe leht\u00ebsimin e pagesave.<\/p>\n

T\u00eb ftuar ishin dhe p\u00ebrfaq\u00ebsues nga Pago.al, Paysera dhe eReja p\u00ebrkrah kryeministrit t\u00eb Shqip\u00ebris\u00eb z. Edi Rama dhe zj. Delina Ibrahimaj, Ministre e Shtetit p\u00ebr Sip\u00ebrmarrjen dhe Klim\u00ebn e Biznesit. P\u00ebr t\u00eb ulur informalitetin, por edhe p\u00ebr t\u00eb leht\u00ebsuar pagesat, Shqip\u00ebria do t\u00eb testoj\u00eb shum\u00eb shpejt nj\u00eb projekt pilot p\u00ebr pagesat p\u00ebrmes sistemit elektronik. Podcast dhe moderimi i tij ishin tep\u00ebr interesant p\u00ebr disa nga pyetjete e zakonshme mbi bankat e reja digjitale.<\/p>\n

Disa nga pikat kryesore t\u00eb bised\u00ebs:<\/p>\n

Cila \u00ebsht\u00eb nevoja e institucioneve si Pago?<\/a> [lidhja]<\/h2>\n

N\u00eb peizazhin e transaksioneve ekonomike t\u00eb Shqip\u00ebris\u00eb, tarifat e larta q\u00eb lidhen me sh\u00ebrbimet tradicionale t\u00eb bankimit dhe pagesave si PayPal, Stripe dhe transfertat bankare paraqesin nj\u00eb penges\u00eb t\u00eb madhe p\u00ebr bizneset dhe individ\u00ebt. Kjo tendosje financiare jo vet\u00ebm q\u00eb mbyt potencialin e rritjes s\u00eb sip\u00ebrmarrjeve, por gjithashtu r\u00ebndon konsumator\u00ebt t\u00eb cil\u00ebt n\u00eb fund t\u00eb fundit p\u00ebrballojn\u00eb koston. N\u00eb k\u00ebt\u00eb priz\u00ebm, shfaqja e institucioneve si Pago nuk \u00ebsht\u00eb thjesht nj\u00eb \u00e7\u00ebshtje komoditeti, por nj\u00eb evolucion i domosdosh\u00ebm n\u00eb sektorin financiar.<\/p>\n

A jan\u00eb t\u00eb lumtura Bankat nga ardhja jon\u00eb?<\/a>\u00a0[lidhja<\/a>]<\/h2>\n

N\u00eb thelbin e tyre, bankat ofrojn\u00eb dy sh\u00ebrbime kryesore, at\u00eb t\u00eb kredidh\u00ebnies dhe normat e interesit t\u00eb depozitave. N\u00eb k\u00ebt\u00eb kontekst, entitete si Pago.al<\/a>, Paysera dhe eReja dalin si lojtar\u00eb kryesor\u00eb, duke plot\u00ebsuar nj\u00eb boshll\u00ebk q\u00eb strukturat tradicionale bankare nuk e kan\u00eb trajtuar plot\u00ebsisht. K\u00ebto kompani shk\u00eblqejn\u00eb n\u00eb thjeshtimin e pagesave dixhitale, duke ofruar platforma efikase, miq\u00ebsore p\u00ebr p\u00ebrdoruesit, q\u00eb plot\u00ebsojn\u00eb nevojat e konsumator\u00ebve modern\u00eb dhe t\u00eb biznesit. Ky specializim nuk n\u00ebnkupton nj\u00eb k\u00ebrc\u00ebnim t\u00eb drejtp\u00ebrdrejt\u00eb p\u00ebr bankat, por p\u00ebrkundrazi n\u00ebnvizon hap\u00ebsir\u00ebn p\u00ebr adresimin e disa sh\u00ebrbimeve financiare, ku vlen th\u00ebnia “ka vend p\u00ebr t\u00eb gjith\u00eb”.<\/p>\n

Nga ana tjet\u00ebr, kultura korporative e pret inovacionin q\u00eb t\u00eb vij\u00eb nga institucione q\u00eb fillojn\u00eb si startup q\u00eb p\u00ebrshtaten m\u00eb shpejt me p\u00ebrmir\u00ebsimet ligjore. Si shembull Open Banking q\u00eb diskutohet q\u00eb nga aprovimi i ligjit ne 2020, do sjell\u00eb benefite edhe m\u00eb t\u00eb m\u00ebdha p\u00ebr bankat, ku nj\u00eb shembull klasik \u00ebsht\u00eb lehtesia e mbledhjes se informacioni mbi klientet qe kerkojne te marrin nje kredi.<\/p>\n

Integrimi i bankingut tradicional me inovacionin fintech paraqet nj\u00eb horizont me p\u00ebrfitim t\u00eb dyansh\u00ebm, ku bankat mund t\u00eb shfryt\u00ebzojn\u00eb shkatht\u00ebsin\u00eb dhe aft\u00ebsin\u00eb teknologjike t\u00eb EMI-ve p\u00ebr t\u00eb zgjeruar portofolet e tyre t\u00eb sh\u00ebrbimeve, p\u00ebr t\u00eb p\u00ebrmir\u00ebsuar operacionet dhe p\u00ebr t\u00eb pasuruar p\u00ebrvoj\u00ebn e klientit.<\/p>\n

Siguria: “Lek\u00ebt ku jan\u00eb”!?<\/a><\/h2>\n

V\u00ebshtir\u00ebsia e t\u00eb prekurit t\u00eb lek\u00ebve dhe a jane fizike apo jo. [lidhja<\/a>]<\/h3>\n

Funksionimi i Institucioneve Elektronike t\u00eb Paras\u00eb (EMI) si Pago prezanton nj\u00eb kthes\u00eb moderne n\u00eb konceptin tradicional t\u00eb ruajtjes dhe menaxhimit t\u00eb parave. Ndryshe nga bankat konvencionale, EMI-t\u00eb nuk mbajn\u00eb kasaforta fizike ose depo t\u00eb prekshme p\u00ebr fondet q\u00eb trajtojn\u00eb.<\/p>\n

EMI-t\u00eb operojn\u00eb brenda sfer\u00ebs dixhitale, duke shfryt\u00ebzuar teknologjin\u00eb p\u00ebr t\u00eb leht\u00ebsuar transaksionet, p\u00ebr t\u00eb menaxhuar llogarit\u00eb dhe p\u00ebr t\u00eb ofruar sh\u00ebrbime financiare. Mungesa e kasafortave fizike nuk n\u00ebnkupton munges\u00eb sigurie apo munges\u00eb integriteti n\u00eb m\u00ebnyr\u00ebn se si k\u00ebto institucione menaxhojn\u00eb fondet. P\u00ebrkundrazi, EMI-t\u00eb jan\u00eb t\u00eb siguruara n\u00eb struktur\u00ebn e ekosistemit bankar, duke u mb\u00ebshtetur n\u00eb nj\u00eb rrjet partneriteti me bankat tradicionale p\u00ebr t\u00eb mbajtur parat\u00eb e klient\u00ebve.<\/p>\n

Kur nj\u00eb individ ose nj\u00eb biznes vendos para n\u00eb nj\u00eb llogari si Pago, k\u00ebto fonde, depozitohen n\u00eb llogari t\u00eb paprekshme (segregated accounts) t\u00eb mbajtura n\u00eb bankat e licencuara. Kjo marr\u00ebdh\u00ebnie simbiotike midis EMI-ve dhe bankave tradicionale nxjerr n\u00eb pah nj\u00eb qasje bashk\u00ebpunuese ndaj sh\u00ebrbimeve financiare, ku institucionet e drejtuara nga teknologjia si Pago mund t\u00eb ofrojn\u00eb platforma t\u00eb specializuara, miq\u00ebsore p\u00ebr p\u00ebrdoruesit, duke u mb\u00ebshtetur n\u00eb infrastruktur\u00ebn e fuqishme dhe kuadrin e pajtueshm\u00ebris\u00eb rregullatore t\u00eb bankave. Ky partneritet pasuron ekosistemin financiar, duke u ofruar konsumator\u00ebve dhe bizneseve nj\u00eb gam\u00eb m\u00eb t\u00eb gjer\u00eb sh\u00ebrbimesh, fleksibilitet t\u00eb zgjeruar dhe komoditet m\u00eb t\u00eb madh.<\/p>\n

Pagesat contactless – pagesa me chip dhe me kart\u00eb kudo n\u00eb bot\u00eb<\/a> [lidhja<\/a>]<\/h2>\n

Prezantimi i Kart\u00ebs s\u00eb Debitit Pago, n\u00eb bashk\u00ebpunim me MasterCard, n\u00ebnkupton nj\u00eb hap t\u00eb madh p\u00ebrpara n\u00eb teknologjin\u00eb financiare dhe komoditetin p\u00ebr p\u00ebrdoruesit e saj.<\/p>\n

N\u00eb plane kemi dhe integrimin e kart\u00ebs n\u00eb Google Wallet.
\nNd\u00ebrkoh\u00eb \u00ebsht\u00eb e mundur t\u00eb p\u00ebrdoren dhe m\u00ebnyra pagese me chip t\u00eb instaluar mbi nj\u00eb celular apo mbi nj\u00eb byzylyk p\u00ebr t\u00eb thjeshtuar pagesat (t\u00eb limituara) t\u00eb nj\u00eb shtrese q\u00eb nuk do t\u00eb p\u00ebrdor\u00eb nj\u00eb smartphone.<\/p>\n

\"\"

Karta Pago – PodCast KM<\/p><\/div>\n

A njiheni jasht\u00eb Shqip\u00ebris\u00eb?<\/a> [lidhja<\/a>]<\/h2>\n

Pagesa ne infrastrukturen e njejte te kompanive eshte e mundur, por Kartat MasterCard apo VISA jane te pranuara ne gjithe boten.<\/p>\n

Siguria: Sa t\u00eb sigurta jan\u00eb k\u00ebto institucione? (nga eksperienca bot\u00ebrore)<\/a> [lidhja<\/a>]<\/h2>\n

Institucione si Pago, n\u00eb Shqip\u00ebri t\u00eb njohura si IPE (n\u00eb EU dhe Britanin\u00eb e madhe t\u00eb njohura si EMI, psh Revolut) jan\u00eb t\u00eb mbrojtura nga risqet e operacionale q\u00eb lidhen me sigurin\u00eb e parave q\u00eb depozitojn\u00eb.
\nN\u00eb dallim nga banka, q\u00eb kan\u00eb rrezik (falimentimi) p\u00ebr shkak t\u00eb ekspozimit t\u00eb kredive t\u00eb k\u00ebqija (shih bail-out n\u00eb SHBA), institucione si Pago nuk jan\u00eb t\u00eb ekspozuara ndaj k\u00ebtij rreziku pasi e kan\u00eb t\u00eb kufizuar si sh\u00ebrbim. Gjithashtu, sipas rregullores s\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, parat\u00eb jan\u00eb t\u00eb shp\u00ebrndara n\u00eb shum\u00eb banka t\u00eb nivelit t\u00eb dyt\u00eb dhe jo t\u00eb qend\u00ebrzuara n\u00eb nj\u00eb bank\u00eb t\u00eb vetme.<\/p>\n

N\u00eb an\u00ebn tjet\u00ebr, Pago ofron nj\u00eb tjet\u00ebr nivel sigurie t\u00eb bazuar n\u00eb praktikatn m\u00eb t\u00eb avancuara bot\u00ebrore. P\u00ebrshembull me Pago mund t\u00eb bllokosh blerjet me kart\u00ebn t\u00ebnde n\u00eb vende jasht\u00eb Shqiperis\u00eb! Mund t\u00eb ndalosh t\u00ebrheqjen e lek\u00ebve n\u00eb nj\u00eb ATM dhe k\u00ebto b\u00ebhen brenda pak milisekondash nga aplikimi n\u00eb celular. Jane pik\u00ebrisht k\u00ebto zhvillime edhe teknologjike q\u00eb e b\u00ebjn\u00eb p\u00ebrdorimin e Fintech edhe m\u00eb t\u00eb sigurt\u00eb se p\u00ebrdorimi i nj\u00eb banke tradiocionale.<\/p>\n

Cili \u00ebsht\u00eb p\u00ebrfitimi i bizneseve?<\/a> [lidhja<\/a>]<\/h2>\n

Bizneset sot operojn\u00eb n\u00eb nj\u00eb mjedis gjithnj\u00eb e m\u00eb dixhital dhe t\u00eb globalizuar, duke k\u00ebrkuar zgjidhje efikase, t\u00eb sigurta dhe me kosto efektive t\u00eb menaxhimit financiar. Institucionet e parave elektronike (EMI) si Pago p\u00ebrfaq\u00ebsojn\u00eb nj\u00eb ndryshim thelb\u00ebsor n\u00eb m\u00ebnyr\u00ebn se si kompanit\u00eb mund t\u00eb menaxhojn\u00eb financat e tyre, duke ofruar avantazhe t\u00eb dallueshme ndaj sistemeve tradicionale bankare. P\u00ebrfitimet p\u00ebr bizneset nga mb\u00ebshtetja n\u00eb EMI rrjedhin nga faktor\u00eb t\u00eb ndrysh\u00ebm, duke p\u00ebrfshir\u00eb kursimet e kostos n\u00eb transaksione, leht\u00ebsin\u00eb e integrimit me sistemet ekzistuese dhe gatishm\u00ebrin\u00eb p\u00ebr t\u00eb inovuar me shpejt\u00ebsi.<\/p>\n

Si i gjenerojn\u00eb fitimet IPE\/EMI<\/a> [lidhja<\/a>]<\/h2>\n

Fitimet e IPE jane t\u00eb ndryshme dhe shpeshher\u00eb vijn\u00eb nga kombinimi i nj\u00eb ose disa sh\u00ebrbimeve dhe volumeve t\u00eb pagesave. D\u00ebrgesa, exchange, interchange fee e t\u00eb ngjashme jan\u00eb disa ambiente ku del fitimi i IPE.<\/p>\n

Nuk ka koh\u00eb p\u00ebr t\u00eb zvarritur procesin e shtyrjes se pagesave digjitale.<\/a>[lidhja<\/a>]<\/h2>\n

– (KM-perifrazim) P\u00ebrdorimi i sistemeve te tilla duhet t\u00eb shtyhet se ka interes komercial, shoq\u00ebror dhe shtet\u00ebror. Ky \u00ebsht\u00eb nj\u00eb proces q\u00eb b\u00ebn m\u00eb pak t\u00eb kushtueshme transaksionet individuale, i b\u00ebn m\u00eb t\u00eb sigurta, m\u00eb transparente.
\nNj\u00eb vend q\u00eb ka kaq shum\u00eb p\u00ebrdorim cash, shteti duhet t\u00eb reagoj\u00eb dhe t\u00eb fitoj\u00eb nga koha e humbur. Jemi t\u00eb frym\u00ebzuar dhe inkurajuar q\u00eb hapat q\u00eb kemi hedhur p\u00ebr reform\u00ebn dhe legjislacionin i kan\u00eb dh\u00ebn\u00eb jet\u00eb k\u00ebsaj industrie, tani t\u00eb krijojm\u00eb nj\u00eb partneritet q\u00eb t’i cojm\u00eb gj\u00ebrat perpara.<\/p>\n

Projekti Pilot<\/a> – [Njoftimi<\/a>]<\/h2>\n

Ministrja Ibrahimaj e p\u00ebrdorin hap\u00ebsir\u00ebn e podcastit p\u00ebr t\u00eb njoftuar nj\u00eb projekt pilot: “Duke marr\u00eb shkas nga kjo kemi menduar t\u00eb b\u00ebjm\u00eb nj\u00eb projekt pilot, ku do t\u00eb pilotojm\u00eb tre zona t\u00eb ndryshme \u2013 n\u00eb Tiran\u00eb 100 individ\u00eb, n\u00eb Peshkopi 100 individ\u00eb, dhe n\u00eb P\u00ebrmet 100 individ\u00eb, \u2013 t\u00eb cil\u00ebt qeveria do t\u2019u mbush\u00eb llogarit\u00eb e tyre p\u00ebr 4 muaj me nj\u00eb vler\u00eb prej 10 mij\u00eb lek\u00ebsh n\u00eb muaj, me q\u00ebllim q\u00eb k\u00ebto para t\u2019i shpenzojn\u00eb n\u00ebp\u00ebrmjet platformave digjitale. Ne do t\u00eb lidhim partneritet edhe me disa biznese, t\u00eb cil\u00ebt do t\u00eb pranojn\u00eb q\u00eb t\u00eb b\u00ebhen pjes\u00eb e k\u00ebtij piloti me q\u00ebllim q\u00eb t\u00eb testojm\u00eb t\u00eb gjitha zgjidhjet eksistuese dhe t\u00eb shohim se \u00e7far\u00eb problematikash na dalin, edhe n\u00eb p\u00ebrdorim nga ana e individit, edhe nga ana e biznesit”.<\/p>\n

Pika Bonus!<\/h2>\n

Pse kompania quhet PAGO?<\/a> [lidhja<\/a>]<\/h2>\n

N\u00eb Pago, ne ofrojm\u00eb nj\u00eb struktur\u00eb me komision zero p\u00ebr t\u00eb gjitha transaksionet, duke i \u00e7liruar klient\u00ebt tan\u00eb nga tarifat e r\u00ebnda q\u00eb shpesh shoq\u00ebrojn\u00eb sh\u00ebrbimet financiare. Ky p\u00ebrkushtim ndaj efikasitetit t\u00eb kostos do t\u00eb thot\u00eb q\u00eb kur nj\u00eb klient fundor, p\u00ebrdor Pago, ai e b\u00ebn k\u00ebt\u00eb pa asnj\u00eb detyrim financiar ose kosto t\u00eb fshehur.<\/p>\n

Strategjia jon\u00eb e komunikimit q\u00eb fillon q\u00eb me zgjedhjen e domainit, p\u00ebrcakton etik\u00ebn ton\u00eb t\u00eb thjesht\u00ebsis\u00eb dhe qart\u00ebsis\u00eb. Ne kemi projektuar mark\u00ebn ton\u00eb dhe mesazhet q\u00eb t\u00eb jen\u00eb t\u00eb drejtp\u00ebrdrejta, duke u siguruar q\u00eb emri yn\u00eb dhe sh\u00ebrbimet q\u00eb ofrojm\u00eb t\u00eb kuptohen leht\u00ebsisht me nj\u00eb shikim.<\/p>\n

N\u00eb zem\u00ebr t\u00eb Pago q\u00ebndron nj\u00eb zgjidhje bankare dixhitale q\u00eb rip\u00ebrcakton p\u00ebrvoj\u00ebn konvencionale bankare. \u00c7do klient i Pago \u00ebsht\u00eb i pajisur me nj\u00eb s\u00ebr\u00eb mjetesh thelb\u00ebsore bankare: nj\u00eb llogari rrjedh\u00ebse p\u00ebr administrimin e financave ditore, nj\u00eb kart\u00eb debiti MasterCard p\u00ebr transaksionet globale, nj\u00eb num\u00ebr llogarie bankare nd\u00ebrkomb\u00ebtare (IBAN) p\u00ebr transferime t\u00eb pand\u00ebrprera nd\u00ebrbankare dhe lirin\u00eb p\u00ebr t\u00eb t\u00ebrhequr para nga \u00e7do ATM q\u00eb mban logon e MasterCard n\u00eb mbar\u00eb bot\u00ebn. Kjo ofert\u00eb gjith\u00ebp\u00ebrfshir\u00ebse siguron q\u00eb klient\u00ebt tan\u00eb t\u00eb g\u00ebzojn\u00eb komoditet dhe fleksibilitet t\u00eb pashembullt n\u00eb transaksionet e tyre financiare, t\u00eb mb\u00ebshtetur nga siguria dhe shtrirja globale e MasterCard dhe ta p\u00ebrdorin leht\u00ebsisht fjal\u00ebn Pago.<\/p>\n

Blockchain? U p\u00ebrmend dhe ai tek kjo lidhje<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

N\u00eb nj\u00eb podcast t\u00eb kryeministrit t\u00eb Shqip\u00ebris\u00eb me titull “Celulari q\u00eb b\u00ebhet kulet\u00eb”, u diskutua mbi revolucionin neo-bankar n\u00eb Shqip\u00ebri dhe leht\u00ebsimin e pagesave. T\u00eb ftuar ishin dhe p\u00ebrfaq\u00ebsues nga Pago.al, Paysera dhe eReja p\u00ebrkrah kryeministrit t\u00eb Shqip\u00ebris\u00eb z. Edi Rama dhe zj. Delina Ibrahimaj, Ministre e Shtetit p\u00ebr Sip\u00ebrmarrjen dhe Klim\u00ebn e Biznesit. P\u00ebr […]<\/p>\n","protected":false},"author":1,"featured_media":78867,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[2,35],"tags":[],"class_list":["post-78860","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politika","category-shoqerore"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2024\/03\/karta-pago-KM-Podcast.jpg?fit=1762%2C953&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p5Z6wp-kvW","jetpack-related-posts":[{"id":73545,"url":"https:\/\/www.shqiperia.com\/blog\/media-fqinje-zberthen-skenaret-e-fshehta-meloni-rama-ndertimi-ne-token-shqiptare\/","url_meta":{"origin":78860,"position":0},"title":"Media fqinje \u2018zb\u00ebrthen skenaret e fshehta\u2019 Meloni-Rama: – Nd\u00ebrtimi n\u00eb tok\u00ebn shqiptare…","author":"Kurt Farka","date":"August 15, 2023","format":false,"excerpt":"15 Gusht 2023 \"... 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