{"id":886,"date":"2020-11-23T16:17:38","date_gmt":"2020-11-23T16:17:38","guid":{"rendered":"http:\/\/easypay.demoweblive.com\/?p=886"},"modified":"2021-05-02T10:45:29","modified_gmt":"2021-05-02T08:45:29","slug":"revolucion-ne-sistemin-e-pagesave-shkrim-i-easypay-ne-revisten-bankieri","status":"publish","type":"post","link":"https:\/\/easypay.al\/en\/revolucion-ne-sistemin-e-pagesave-shkrim-i-easypay-ne-revisten-bankieri\/","title":{"rendered":"Revolucion n\u00eb sistemin e pagesave \u2013 shkrim i EasyPay n\u00eb Revist\u00ebn Bankieri"},"content":{"rendered":"

P\u00ebrfshirja financiare n\u00ebp\u00ebrmjet FinTech: revolucion n\u00eb sistemin e pagesave<\/strong>\u00a0<\/strong><\/h3>\n

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Pagesat digjitale, huadh\u00ebnia digjitale dhe remitancat digjitale jan\u00eb rritur ndjesh\u00ebm n\u00eb vitet e fundit. N\u00eb mjaft v\u00ebnde t\u00eb bot\u00ebs, p\u00ebr t\u00eb respektuar distancimin social, por edhe p\u00ebr ti ardhur n\u00eb ndihm\u00eb familjeve dhe bizneseve n\u00eb nevoj\u00eb, mjaft insitucione qeveritare p\u00ebrdor\u00ebn forma t\u00eb ndryshme t\u00eb pagesave dhe transfertave digjitale p\u00ebr rimbursime taksash, programe sociale, paga, pensione, paketa emergjencash, etj. EasyPay, duke iu p\u00ebrgjigjur nevojave aktuale t\u00eb konsumatorit dhe biznesit vendas, zhvilloi dhe prezantoi n\u00eb treg disa paketa sh\u00ebrbimesh digjitale, si:<\/p>\n

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    \n
  1. sh\u00ebrbimet e transfertave n\u00eb koh\u00eb reale t\u00eb paras\u00eb elektronike<\/em>\u00a0n\u00ebp\u00ebrmjet celularit<\/em>, duke u mund\u00ebsuar individ\u00ebve dhe bizneseve transferta t\u00eb shpejta dhe t\u00eb sigurta (pagesa P2P), dhe duke i dh\u00ebn\u00eb atyre m\u00eb shum\u00eb leht\u00ebsi e mund\u00ebsi p\u00ebr t\u00eb zgjedhur se\u00a0ku dhe kur<\/strong>\u00a0d\u00ebshirojn\u00eb t\u00eb marrin parat\u00eb, krahasuar me sh\u00ebrbimin ekuivalent t\u00eb paras\u00eb fizike.<\/li>\n
  2. pagesat me QR Code \u2013<\/em>\u00a0tregtar\u00ebt vendas, kan\u00eb mund\u00ebsi t\u00eb p\u00ebrdorin platform\u00ebn e EasyPay p\u00ebr t\u00eb shitur produktet e tyre pa pasur nevoj\u00eb q\u00eb t\u00eb ken\u00eb nj\u00eb platform\u00eb e-commerce t\u00eb vet\u00ebn.<\/li>\n<\/ol>\n

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    Drejt s\u00eb ardhmes: skenare dhe instrumenta t\u00eb transformimit<\/strong><\/h3>\n

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    Situata e krijuar nga kriza e fundit, por edhe nga fakti se popullsia shqiptare ka nj\u00eb akses t\u00eb ul\u00ebt n\u00eb sh\u00ebrbimet financiare, 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 vecan\u00ebrisht p\u00ebr kompanit\u00eb FinTech. \u00a0Aktualisht, sektor\u00ebt FinTech q\u00eb duhen zhvilluar me shpejt\u00ebsi n\u00eb tregun ton\u00eb nd\u00ebr t\u00eb tjera, jan\u00eb:\u00a0sh\u00ebrbimet e pagesave digjitale, transfertat momentale t\u00eb paras\u00eb elektronike, huadh\u00ebnia digjitale dhe investimet digjitale<\/em>.<\/p>\n

    Mir\u00ebpo, p\u00ebr nj\u00eb p\u00ebrfitim t\u00eb suksessh\u00ebm t\u00eb k\u00ebtyre mund\u00ebsive,\u00a0k\u00ebrkohet nj\u00eb bashk\u00ebpunim midis sistemit bankar me institucionet FinTech, pasi:\u00a0<\/em><\/strong><\/p>\n

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      \n
    1. Ofrimi i pagesave n\u00eb koh\u00eb reale k\u00ebrkon integrime B2B dhe B2G me t\u00eb gjith\u00eb utilitetet, sikurse dhe me faturimin e sh\u00ebrbimeve qeveritare apo t\u00eb korporatave t\u00eb m\u00ebdhaja shqiptare. K\u00ebto integrime k\u00ebrkojn\u00eb investim t\u00eb madh n\u00eb burime dhe teknologji, ndaj institucionet bankare mund t\u00eb zgjedhin nj\u00eb nd\u00ebr k\u00ebto skenar\u00eb:<\/li>\n<\/ol>\n

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      • ta nd\u00ebrtojn\u00eb vet\u00eb k\u00ebt\u00eb struktur\u00eb, e cila k\u00ebrkon shum\u00eb koh\u00eb e investime nga koha e tyre, gj\u00eb q\u00eb nuk \u00ebsht\u00eb e favorshme n\u00eb k\u00ebt\u00eb moment ku tregu yn\u00eb ndodhet; ose,<\/li>\n
      • t\u00eb b\u00ebjn\u00eb partneritet me institucionet FinTech n\u00eb vend, t\u00eb cil\u00ebt tashm\u00eb e kan\u00eb gati k\u00ebt\u00eb investim p\u00ebr klientel\u00ebn e tyre.<\/li>\n<\/ul>\n

         <\/p>\n

          \n
        1. Institucionet FinTech q\u00eb operojn\u00eb n\u00eb tregun shqiptar, kan\u00eb ngritur prej vitesh tashm\u00eb nj\u00eb rrjet shum\u00eb t\u00eb gjer\u00eb distribucioni ose agjent\u00ebsh, edhe n\u00eb zonat rurale e aty ku institucionet bankare nuk jan\u00eb present. Ngritja e k\u00ebtij rrjeti t\u00eb konsoliduar, n\u00eb m\u00ebnyr\u00eb q\u00eb t\u00eb jet\u00eb eficient, k\u00ebrkon s\u00ebrisht shum\u00eb burime, trajnime dhe ekspertiz\u00eb mbi sjelljen e konsumatorit \u201cunbanked\u201d. Nd\u00ebrkoh\u00eb, sipas ligjit t\u00eb ri t\u00eb pagesave, institucionet bankare do t\u00eb ken\u00eb mund\u00ebsi t\u00eb ngrejn\u00eb vet\u00eb nj\u00eb rrjet t\u00eb till\u00eb agjent\u00ebsh. Mir\u00ebpo, referuar sa m\u00eb sip\u00ebr, p\u00ebr ta mund t\u00eb jet\u00eb m\u00eb efektive dhe eficiente t\u00eb zgjedhin rrug\u00ebn e bashk\u00ebpunimit me institucionet FinTech n\u00eb vend, tek t\u00eb cil\u00ebt mund t\u00eb transferojn\u00eb (outsource) disa nga sh\u00ebrbimet e tyre.<\/li>\n<\/ol>\n

           <\/p>\n

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          1. Institucionet FinTech n\u00eb tregun shqiptar kan\u00eb filluar t\u00eb ofrojn\u00eb modele t\u00eb tjera pagesash p\u00ebr tregtar\u00ebt (psh, pagesat me QR), t\u00eb cil\u00ebt fal\u00eb teknologjis\u00eb do t\u00eb z\u00ebv\u00ebnd\u00ebsojn\u00eb modelin e pagesave me karta. Kjo i krijon mund\u00ebsin\u00eb isnstitucioneve bankare t\u00eb bashk\u00ebpunojn\u00eb m\u00eb institucionet FinTech n\u00eb k\u00ebt\u00eb sector, p\u00ebr t\u00eb ulur kostot e tyre si edhe p\u00ebr t\u00eb ofruar sh\u00ebrbimin me kosto me t\u00eb ul\u00ebt p\u00ebr tregtar\u00ebt vendas dhe nj\u00ebkoh\u00ebsisht p\u00ebr t\u00eb rritur leht\u00ebsit\u00eb p\u00ebr konsumatorin final.<\/li>\n<\/ol>\n

             <\/p>\n

            P\u00ebrfundime<\/strong><\/h3>\n

            Historia ka treguar se krizat (kujtojm\u00eb kriz\u00ebn financiare globale t\u00eb vitit 2008) jan\u00eb mekanizmat e duhur p\u00ebr ta p\u00ebrshpejtuar kalimin e konsumator\u00ebve nga p\u00ebrdorimi i sh\u00ebrbimeve tradicionale financiare n\u00eb sektorin FinTech. P\u00ebrpos dhimbjeve dhe humbjeve q\u00eb Covid 19 solli n\u00eb bot\u00eb, ai i dha sektorit FinTech nj\u00eb mund\u00ebsi t\u00eb jasht\u00ebzakont\u00eb p\u00ebr t\u00eb rritur n\u00eb m\u00ebnyr\u00eb t\u00eb menj\u00ebhershme sh\u00ebrbimet e tyre, mbulimin gjeografik dhe imazhin. K\u00ebto arritje q\u00eb nuk u mund\u00ebsuan prej disa viteve, fal\u00eb pandemis\u00eb u arrit\u00ebn n\u00eb vet\u00ebm pak muaj.\u00a0P\u00ebrshtatshm\u00ebria<\/em><\/strong>\u00a0and\u00a0shkatht\u00ebsia<\/em><\/strong>\u00a0jan\u00eb dy avantazhet konkuruese t\u00eb k\u00ebsaj industrie, t\u00eb cilat jan\u00eb thelb\u00ebsore p\u00ebr t\u00eb p\u00ebrballuar pasigurit\u00eb ekonomike.<\/p>","protected":false},"excerpt":{"rendered":"

            P\u00ebrfshirja financiare n\u00ebp\u00ebrmjet FinTech: revolucion n\u00eb sistemin e pagesave\u00a0   Pagesat digjitale, huadh\u00ebnia digjitale dhe remitancat digjitale jan\u00eb rritur ndjesh\u00ebm n\u00eb vitet e fundit. N\u00eb mjaft v\u00ebnde t\u00eb bot\u00ebs, p\u00ebr t\u00eb respektuar distancimin social, por edhe p\u00ebr ti ardhur n\u00eb ndihm\u00eb familjeve dhe bizneseve n\u00eb nevoj\u00eb, mjaft insitucione qeveritare p\u00ebrdor\u00ebn forma t\u00eb ndryshme t\u00eb pagesave […]<\/p>\n","protected":false},"author":5,"featured_media":883,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_editorskit_title_hidden":false,"_editorskit_reading_time":0,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"iawp_total_views":24,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-886","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fintech"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/easypay.al\/en\/wp-json\/wp\/v2\/posts\/886","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/easypay.al\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/easypay.al\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/easypay.al\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/easypay.al\/en\/wp-json\/wp\/v2\/comments?post=886"}],"version-history":[{"count":0,"href":"https:\/\/easypay.al\/en\/wp-json\/wp\/v2\/posts\/886\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/easypay.al\/en\/wp-json\/wp\/v2\/media\/883"}],"wp:attachment":[{"href":"https:\/\/easypay.al\/en\/wp-json\/wp\/v2\/media?parent=886"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/easypay.al\/en\/wp-json\/wp\/v2\/categories?post=886"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/easypay.al\/en\/wp-json\/wp\/v2\/tags?post=886"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}