{"id":1848,"date":"2022-01-12T16:08:13","date_gmt":"2022-01-12T14:08:13","guid":{"rendered":"https:\/\/easypay.al\/?p=1848"},"modified":"2022-02-23T13:18:32","modified_gmt":"2022-02-23T11:18:32","slug":"fintech-ne-2022-dhe-tendencat-ne-portofolin-elektronik","status":"publish","type":"post","link":"https:\/\/easypay.al\/en\/fintech-ne-2022-dhe-tendencat-ne-portofolin-elektronik\/","title":{"rendered":"Tendencat e fintech 2022, pagesa dhe portofoli elektronik"},"content":{"rendered":"
\"\"<\/figure>\n\n\n\n

<\/p>\n\n\n\n

Nj\u00eb nga efektet e shumta q\u00eb COVID-19 solli, ishte p\u00ebrshtatja e teknologjis\u00eb s\u00eb re n\u00eb sh\u00ebrbimet e fintech, ve\u00e7an\u00ebrisht n\u00eb portofolin elektronik.<\/a><\/h2>\n\n\n\n

<\/p>\n\n\n\n

Nevoja p\u00ebr portofolin elektronik<\/a> gjat\u00eb izolimit dhe distancimit social b\u00ebri q\u00eb teknologjit\u00eb e reja t\u00eb b\u00ebhen t\u00eb zakonshme, n\u00eb vet\u00ebm pak muaj.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Kriza sh\u00ebndet\u00ebsore u b\u00eb nj\u00eb nga faktor\u00ebt kryesor\u00eb q\u00eb nxit\u00ebn rritjen e sektorit fintech por, a do t\u00eb vazhdoj\u00eb teknologjia n\u00eb sh\u00ebrbimet financiare t\u00eb evoluoj\u00eb po aq shpejt, tani q\u00eb bota u m\u00ebsua t\u00eb jetoj\u00eb me nj\u00eb pandemi? Le t\u00eb hedhim nj\u00eb v\u00ebshtrim n\u00eb tendencat q\u00eb do t\u00eb ndikojn\u00eb n\u00eb t\u00eb ardhmen e fintech n\u00eb 2022.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Rritja drastike n\u00eb p\u00ebrdorimin e portofolit elektronik<\/a> <\/strong><\/h2>\n\n\n\n

<\/p>\n\n\n\n

Teknologjia q\u00eb b\u00ebn t\u00eb mundur portofolin elektronik, ka qen\u00eb e disponueshme p\u00ebr konsumator\u00ebt p\u00ebr m\u00eb shum\u00eb se nj\u00eb dekad\u00eb, megjithat\u00eb asnj\u00ebher\u00eb nuk \u00ebsht\u00eb konsideruar si \u201ce domosdoshme\u201d n\u00eb krahasim me portofoiln e preksh\u00ebm. <\/h2>\n\n\n\n

<\/p>\n\n\n\n

Izolimet dhe distancimi social, i b\u00ebn\u00eb pagesat dixhitale metod\u00ebn e zgjedhur p\u00ebr konsumator\u00ebt dhe e kthyen portofolin elektronik n\u00eb nj\u00eb produkt m\u00eb t\u00ebrheq\u00ebs dhe masiv. Si rezultat, vet\u00ebm n\u00eb 2020 n\u00eb t\u00eb gjith\u00eb globin, p\u00ebrdorimi i paras\u00eb fizike p\u00ebr blerjet n\u00eb dyqane  sh\u00ebnoi nj\u00eb r\u00ebnie me 10%. Nd\u00ebrkoh\u00eb, pritet nj\u00eb rritje n\u00eb p\u00ebrdorimin e paras\u00eb elektronike. Deri n\u00eb vitin 2024, Sh\u00ebrbimi i Informacionit Financiar pret q\u00eb parat\u00eb dixhitale t\u00eb p\u00ebrb\u00ebjn\u00eb vet\u00ebm 13% t\u00eb pagesave n\u00eb mbar\u00eb bot\u00ebn, nd\u00ebrse portofolat elektronik\u00eb t\u00eb p\u00ebrb\u00ebjn\u00eb gjysm\u00ebn e t\u00eb gjitha pagesave t\u00eb tregtis\u00eb elektronike.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Pjesa m\u00eb e madhe e rritjes globale t\u00eb portofolave elektronik\u00eb pritet t\u00eb vij\u00eb nga tregjet n\u00eb zhvillim, si\u00e7 \u00ebsht\u00eb edhe Shqip\u00ebria. N\u00eb vendin ton\u00eb adoptimi po ndodh aq shpejt saq\u00eb konsumator\u00ebt po kalojn\u00eb drejtp\u00ebrdrejt te parat\u00eb elektronike, pa pasur m\u00eb par\u00eb nj\u00eb llogari bankare ose kart\u00eb. Portofolat elektronik\u00eb jan\u00eb nj\u00eb mjet i r\u00ebnd\u00ebsish\u00ebm zhvillimi, sepse ato i vendosin sh\u00ebrbimet financiare n\u00eb dispozicion t\u00eb kujtdo, kudo, duke p\u00ebrfshir\u00eb edhe zona t\u00eb izoluara. Duke pasur parasysh se sa rol kritik luan paraja elektronike n\u00eb ofrimin e sh\u00ebrbimeve financiare, p\u00ebr personat pa llogari bankare, EasyPay<\/a> and Ria Money Transfer<\/a> do t\u00eb vazhdojn\u00eb t\u00eb zgjerojn\u00eb sh\u00ebrbimin e tyre n\u00eb portofolin elektronik n\u00eb t\u00eb gjith\u00eb territorin shqiptar dhe jo vet\u00ebm.<\/p>\n\n\n\n

<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

<\/p>\n\n\n\n

Pagesa t\u00eb sigurta dhe transparente<\/a><\/strong><\/h2>\n\n\n\n

<\/p>\n\n\n\n

Nj\u00eb nga tendencat kryesore t\u00eb fintech n\u00eb bot\u00eb, aktualisht \u00ebsht\u00eb rritja e numrit t\u00eb bashk\u00ebpunimeve midis kompanive dhe institucioneve t\u00eb pagesave.<\/h2>\n\n\n\n

<\/p>\n\n\n\n

Kjo p\u00ebr t\u00eb ofruar nj\u00eb gam\u00eb t\u00eb gjer\u00eb n\u00eb sh\u00ebrbime financiare, duke respektuar t\u00eb gjitha rregulloret e pagesave elektronike n\u00eb fuqi. N\u00eb nivel global, bashk\u00ebpunimi m\u00eb i madh midis bankave, ofruesve t\u00eb pagesave dhe sektorit publik, n\u00eb parandalimin e mashtrimit dhe pastrimit t\u00eb parave, do t\u00eb jet\u00eb gjithashtu n\u00eb rritje n\u00eb vitin 2022.<\/p>\n\n\n\n

<\/p>\n\n\n\n

P\u00ebr sa i p\u00ebrket tregut shqiptar, situata e krijuar nga kriza e fundit, b\u00ebri q\u00eb Komisioni p\u00ebr Ekonomin\u00eb dhe Financat t\u00eb diskutonte p\u00ebr miratim, m\u00eb 30 prill 2020, Direktiv\u00ebn e dyt\u00eb p\u00ebr \u201cSh\u00ebrbimet e pagesave\u201d, i cili pritet t\u00eb jet\u00eb nj\u00eb rregullues mjaft i mir\u00eb ve\u00e7an\u00ebrisht p\u00ebr kompanit\u00eb FinTech. Ky ligj pritet t\u00eb vihet n\u00eb zbatim n\u00eb fillim t\u00eb vitit 2022. <\/p>\n\n\n\n

<\/p>\n\n\n\n

EasyPay<\/a> \u00ebsht\u00eb portofoli elektronik i joti n\u00eb Shqip\u00ebri<\/strong><\/h2>\n\n\n\n

<\/p>\n\n\n\n

EasyPay p\u00ebr t\u00eb 11 vit radhazi, vjen me trend\u00ebt dhe risit\u00eb m\u00eb t\u00eb m\u00ebdha t\u00eb realizuara n\u00eb vendet n\u00eb zhvillim me q\u00ebllim futjen e nj\u00eb fryme t\u00eb re n\u00eb metodat e pagesave n\u00eb Shqip\u00ebri. <\/h2>\n\n\n\n

<\/p>\n\n\n\n

Lider i Fintech n\u00eb Shqip\u00ebri, EasyPay<\/a> ofron tashm\u00eb disa metoda pagesash dhe \u00ebsht\u00eb kthyer n\u00eb portofolin elektronik n\u00eb t\u00eb cilin kryhen pagesa p\u00ebr mbi 35 sh\u00ebrbimet m\u00eb t\u00eb nevojshme, si dhe eventet m\u00eb n\u00eb z\u00eb t\u00eb vendit.<\/p>\n\n\n\n

Q\u00ebndrojm\u00eb n\u00eb pritje t\u00eb strukturimit t\u00eb plot\u00eb t\u00eb Legjislacionit t\u00eb ri p\u00ebr Sh\u00ebrbimet e Pagesave, si nj\u00eb mund\u00ebsi p\u00ebr t\u00eb ofruar m\u00eb shum\u00eb akses n\u00eb tregun financiar p\u00ebr Subjektet Financiare Jo Banka.<\/p>\n\n\n\n

Sido q\u00eb t\u00eb vijn\u00eb sfidat nga tregu i jasht\u00ebm, ne besojm\u00eb fort se:<\/p>\n\n\n\n