{"id":22236,"date":"2025-09-16T13:36:42","date_gmt":"2025-09-16T13:36:42","guid":{"rendered":"https:\/\/alprofitconsult.al\/?p=22236"},"modified":"2025-09-16T13:36:43","modified_gmt":"2025-09-16T13:36:43","slug":"sistemet-e-reja-te-pagesave-ne-shqiperi-aips-aips-euro-dhe-aech","status":"publish","type":"post","link":"https:\/\/alprofitconsult.al\/it\/sistemet-e-reja-te-pagesave-ne-shqiperi-aips-aips-euro-dhe-aech\/","title":{"rendered":"Sistemet e reja t\u00eb pagesave n\u00eb Shqip\u00ebri (AIPS, AIPS-EURO dhe AECH)"},"content":{"rendered":"

Banka e Shqip\u00ebris\u00eb ka miratuar m\u00eb 3 shtator 2025 rregullore t\u00eb reja p\u00ebr t\u00eb modernizuar sistemet komb\u00ebtare t\u00eb pagesave: AIPS (sistemi nd\u00ebrbankar p\u00ebr pagesat e m\u00ebdha n\u00eb Lek), AIPS-EURO (versioni p\u00ebr pagesa n\u00eb Euro brenda vendit) dhe AECH (kliringu elektronik p\u00ebr pagesa t\u00eb vogla<\/a>)\u00a0AIPS\u00a0\u00ebsht\u00eb sistemi RTGS i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb p\u00ebr pagesa t\u00eb m\u00ebdha n\u00eb Lek (p\u00ebrfshin pagesat nd\u00ebrbankare dhe ato t\u00eb klient\u00ebve mbi 1.5 milion Lek<\/a>).\u00a0AIPS-EURO\u00a0\u00ebsht\u00eb sistemi homolog p\u00ebr pagesa nd\u00ebrbankare n\u00eb Euro brenda Shqip\u00ebris\u00eb, i p\u00ebrftuar n\u00eb janar 2022<\/a>. Ai ofron shlyerje bruto n\u00eb koh\u00eb reale p\u00ebr transaksionet n\u00eb euro, me rezultat final t\u00eb menj\u00ebhersh\u00ebm\u00a0AECH\u00a0(Albanian Electronic Clearing House) \u00ebsht\u00eb nj\u00eb sistem net\u00eb-kliringu p\u00ebr pagesat e vogla n\u00eb Lek (m\u00eb pak se 1.5 milion Lek) q\u00eb shlyen rezultatin neto n\u00eb fund t\u00eb seancave ditore<\/a>. Pra, krahas k\u00ebtyre: AIPS dhe AIPS-EURO jan\u00eb RTGS (nj\u00ebri p\u00ebr Lek, tjetri p\u00ebr Euro), nd\u00ebrsa AECH \u00ebsht\u00eb p\u00ebr pagesa t\u00eb p\u00ebrditshme dhe t\u00eb vogla, me klerim n\u00eb grupebankofalbania.org<\/a>. Sistemi AIPS-EURO ka aktualisht 11 banka pjes\u00ebmarr\u00ebse dhe funksionon \u00e7do dit\u00eb pune n\u00eb oraret 08:30\u201316:30<\/a>, duke e b\u00ebr\u00eb pages\u00ebn elektronike n\u00eb Euro t\u00eb shpejt\u00eb dhe eficient.<\/p>\n\n\n\n

\u00c7far\u00eb \u00ebsht\u00eb AIPS-EURO dhe si ndryshon nga AIPS dhe AECH?<\/h2>\n\n\n\n

AIPS-EURO \u00ebsht\u00eb nj\u00eb sistem i posa\u00e7\u00ebm p\u00ebr pagat nd\u00ebrbankare n\u00eb monedh\u00ebn Euro brenda Shqip\u00ebris\u00eb. Funksionon n\u00eb m\u00ebnyr\u00eb t\u00eb nj\u00ebjt\u00eb si AIPS (sistemi RTGS p\u00ebr Lek), por \u201cmban\u201d vet\u00ebm transaksionet n\u00eb Euro<\/a>. E th\u00ebn\u00eb thjesht, n\u00eb vend q\u00eb t\u00eb d\u00ebrgojm\u00eb euro jasht\u00eb shtetit (p\u00ebrmes bankave korrespondente), tani mund t\u00eb d\u00ebrgojm\u00eb direkt brenda vendit. Ky sistem nisi pun\u00ebn m\u00eb 24 janar 2022\u00a0dhe lejon pagesa t\u00eb menj\u00ebhershme midis bankave shqiptare q\u00eb kan\u00eb llogari Euro. AIPS, nga ana tjet\u00ebr, \u00ebsht\u00eb RTGS p\u00ebr Lek\u00eb \u2013 ai trajton pagesat e m\u00ebdha n\u00eb lek n\u00eb koh\u00eb reale dhe pa kthim. Sistemi AECH \u00ebsht\u00eb krejt ndryshe: ai kleron (neton) pagesat e vogla n\u00eb lek (p.sh. urdh\u00ebrpagesat e klient\u00ebve n\u00ebn 1.5 milion Lek) tre her\u00eb n\u00eb dit\u00eb. AECH p\u00ebrfundon mbetjen neto n\u00eb AIPS dhe \u00ebsht\u00eb m\u00eb i ngadalsh\u00ebm se RTGS, por i p\u00ebrshtatsh\u00ebm p\u00ebr transaksionet e p\u00ebrditshme t\u00eb klient\u00ebve. N\u00eb p\u00ebrmbledhje:\u00a0AIPS\u00a0\u00ebsht\u00eb p\u00ebr pagesa t\u00eb m\u00ebdha n\u00eb lek (RTGS),\u00a0AIPS-EURO\u00a0e b\u00ebn t\u00eb nj\u00ebjt\u00ebn gj\u00eb p\u00ebr Euro, nd\u00ebrsa\u00a0AECH\u00a0p\u00ebrdoret p\u00ebr pagesa t\u00eb vogla me kliring t\u00eb p\u00ebrditsh\u00ebm.<\/p>\n\n\n\n

Ndryshimet konkrete p\u00ebr bizneset (procedura, kosto, koh\u00eb, llogari Euro)<\/h2>\n\n\n\n

Me rregulloret e reja ndryshojn\u00eb duksh\u00ebm tarifat dhe procedurat p\u00ebr bizneset. Tashm\u00eb pagesat elektronike kan\u00eb tarifa shum\u00eb m\u00eb t\u00eb ul\u00ebta: p.sh. pagesat deri n\u00eb 40,000 Lek b\u00ebhen pa asnj\u00eb komision nd\u00ebrsa deri n\u00eb 10 milion Lek tarifa \u00ebsht\u00eb ulur gati 10 her\u00eb (tani \u00ebsht\u00eb vet\u00ebm 0.005% e shum\u00ebs, maksimalisht 500 Lek). P\u00ebr\u00a0pagesat n\u00eb Euro brenda vendit, Banka e Shqip\u00ebris\u00eb ka ulur tarifat ndjesh\u00ebm duke ndjekur modelin e tarifimit SEPA<\/a>. Konkretisht, komisionet minimale dhe p\u00ebrqindjet jan\u00eb ulur rreth 10 her\u00eb m\u00eb shum\u00eb se m\u00eb par\u00eb<\/a>. Kjo do t\u00eb thot\u00eb se kompanit\u00eb e mesme me qarkullim n\u00eb euro do t\u00eb paguajn\u00eb shum\u00eb m\u00eb pak p\u00ebr d\u00ebrgesat e parave n\u00eb Euro brenda Shqip\u00ebris\u00eb.<\/p>\n\n\n\n

Procedura e pages\u00ebs \u00ebsht\u00eb p\u00ebrmir\u00ebsuar n\u00eb koh\u00eb-real: me AIPS-EURO pagesat midis bankave shqiptare ekzekutohen t\u00eb nj\u00ebjtat dit\u00eb brenda orarit 08:30\u201316:30<\/a>. Kjo eliminuar pritjet e m\u00ebparshme kur transferimet n\u00eb Euro kalonin p\u00ebrmes bankave jasht\u00eb vendit dhe vonoheshin disa or\u00eb apo dit\u00eb. Tani biznesi thjesht jep urdh\u00ebr n\u00ebp\u00ebrmjet internet banking ose n\u00eb deg\u00eb, dhe pagesa realizohet menj\u00ebher\u00eb. Gjithashtu, nuk ka m\u00eb komision hyr\u00ebs p\u00ebr eurot e mb\u00ebrritura p\u00ebrmes k\u00ebtij sistemi, pra marr\u00ebsi merr shum\u00ebn e plot\u00eb t\u00eb parave t\u00eb d\u00ebrguara.<\/p>\n\n\n\n

P\u00ebr t\u00eb p\u00ebrfituar nga AIPS-EURO, bizneset duhet t\u00eb ken\u00eb nj\u00eb\u00a0llogari bankare n\u00eb Euro\u00a0n\u00eb nj\u00eb nga bankat pjes\u00ebmarr\u00ebse (aktualisht ka 11 banka pjes\u00ebmarr\u00ebse<\/a>). Shum\u00eb banka shqiptare tashm\u00eb ofrojn\u00eb llogari n\u00eb Euro; n\u00ebse nuk keni ende, \u00ebsht\u00eb koha t\u00eb hapni nj\u00eb t\u00eb till\u00eb. N\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb, pagesat tuaja n\u00eb Euro brenda vendit do b\u00ebhen elektronike e jo me cash apo transferta jasht\u00eb. Rezulton q\u00eb kompanit\u00eb kan\u00eb mund\u00ebsi t\u00eb kursen para dhe koh\u00eb, ve\u00e7an\u00ebrisht kur b\u00ebjn\u00eb transferta rutin\u00eb n\u00eb Euro. P\u00ebr shembull, me tarifat e reja bankare, nj\u00eb pages\u00eb n\u00eb Euro prej \u20ac100,000 kushton maksimali 50 Euro komision, nd\u00ebrsa m\u00eb par\u00eb nga korrespodent\u00ebt jasht\u00eb mund t\u00eb paguhej mbi 200 Euro.<\/p>\n\n\n\n

Lidhja me fiskalizimin<\/h2>\n\n\n\n

K\u00ebto ndryshime lidhen kryesisht me transaksionet nd\u00ebrbankare dhe pagesat elektronike.\u00a0Fiskalizimi\u00a0i shitjeve (si l\u00ebshimi i kuponit fiskal ose fatur\u00ebs elektronike) \u00ebsht\u00eb nj\u00eb detyrim i ligjit tatimor, i cili vepron n\u00eb nivelin e shitjes s\u00eb mallrave\/sh\u00ebrbimeve te konsumatori. Rregullat e reja t\u00eb Bank\u00ebs nuk ndryshojn\u00eb detyr\u00ebn p\u00ebr tatimin e shitjeve apo p\u00ebrdorimin e pajisjeve fiskale \u2013 ato mbeten n\u00ebn kompetenc\u00ebn e Drejtoris\u00eb s\u00eb Tatimeve. Me fjal\u00eb t\u00eb tjera, nj\u00eb biznes ende duhet t\u00eb respektoj\u00eb rregullat e fiskalizimit p\u00ebr transaksionet e veta si gjithmon\u00eb. Th\u00ebn\u00eb shkurt, nuk ka nj\u00eb \u201clidhje teknike\u201d mes AIPS-EURO dhe fiskalizimit: sistemi i pagesave nuk merr pjes\u00eb n\u00eb regjistrimin fiskal t\u00eb shitjeve. Sidoqoft\u00eb, duke promovuar pagesat elektronike (n\u00eb vend t\u00eb cash-it), risit\u00eb e reja mund t\u00eb rrisin automatikisht transparenc\u00ebn fiskale, pasi t\u00eb gjitha pagesat do t\u00eb jen\u00eb zyrtare dhe t\u00eb dokumentuara n\u00eb bank\u00eb.<\/p>\n\n\n\n

Harmonizimi me SEPA dhe objektivat nd\u00ebrkomb\u00ebtare<\/h2>\n\n\n\n

Ndryshimet e reja i p\u00ebrgjigjen edhe objektivave nd\u00ebrkomb\u00ebtare t\u00eb harmonizimit. Banka e Shqip\u00ebris\u00eb ka njoftuar se vendi synon t\u2019u bashkohet s\u00eb shpejti Zon\u00ebs s\u00eb Vetme t\u00eb Pagesave n\u00eb Euro (SEPA). Si hap paraprak, rregulloret e reja p\u00ebrcaktojn\u00eb q\u00eb nga 7 tetori 2025 tarifat p\u00ebr pagesat nd\u00ebrkufitare n\u00eb Euro do t\u00eb jen\u00eb t\u00eb nj\u00ebjta me tarifat e pagesave komb\u00ebtare Kjo bazohet n\u00eb Rregulloren e BE-s\u00eb 2021\/1230 (\u201cbarazimi i tarifave\u201d) dhe garanton q\u00eb pagesat dal\u00ebse SEPA nuk do t\u2019u kushtojn\u00eb biznesit m\u00eb shtrenjt\u00eb se nj\u00eb transfet\u00eb e brendshme n\u00eb Euro<\/a>. Me fjal\u00eb t\u00eb tjera, Shqip\u00ebria do t\u00eb implementoj\u00eb pagesat sipas standardeve evropiane, duke ulur tarifat nd\u00ebrkufitare n\u00eb nivelin e atyre vendase. K\u00ebto ndryshime si fillestar\u00eb krijojn\u00eb \u201cbaza teknike\u201d p\u00ebr integrimin e plot\u00eb n\u00eb SEPA dhe projekte t\u00eb tjera moderne (si\u00a0TIPS Clone<\/em>\u00a0p\u00ebr pagesat e shpejta n\u00eb koh\u00eb reale). Bashkimi me SEPA do t\u2019u mund\u00ebsoj\u00eb bizneseve shqiptare t\u00eb d\u00ebrgojn\u00eb euro menj\u00ebher\u00eb dhe me kosto t\u00eb ul\u00ebt tek partner\u00ebt n\u00eb BE, sikurse bankat europiane trajtojn\u00eb transaksionet mes vendeve t\u00eb tyre.<\/p>\n\n\n\n

Roli i k\u00ebtyre ndryshimeve n\u00eb p\u00ebrdorimin e euros dhe uljen e cash-it<\/h2>\n\n\n\n

N\u00eb hark t\u00eb gjat\u00eb, ulja drastike e tarifave dhe leht\u00ebsimi i pagesave elektronike pritet t\u00eb ndikoj\u00eb tek p\u00ebrdorimi i monedh\u00ebs Euro dhe pak\u00ebsimi i transaksioneve me para t\u00eb gatshme. Q\u00ebllimi kryesor i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb \u00ebsht\u00eb q\u00eb t\u00eb rris\u00eb pagesat elektronike\u2013 pra t\u00eb inkurajoj\u00eb bizneset dhe qytetar\u00ebt t\u00eb p\u00ebrdorin m\u00eb pak cash. Duke b\u00ebr\u00eb pagesat n\u00eb lek dhe n\u00eb euro m\u00eb t\u00eb lira dhe m\u00eb t\u00eb shpejta, njer\u00ebzit do t\u00eb ken\u00eb m\u00eb pak arsye t\u00eb t\u00ebrheqin para fizikisht. Banka vler\u00ebson se kjo mund t\u00eb sjell\u00eb kursime t\u00eb m\u00ebdha n\u00eb ekonomi \u2013 p\u00ebr shembull, impakti ekonomik mund t\u00eb jet\u00eb 14 milion\u00eb euro kursime nga ulja e tarifave dhe kostot makroekonomike t\u00eb parave fizike mund t\u00eb ulen n\u00eb 0.2% t\u00eb PBB-s\u00eb nga 1.7%. Nga ana tjet\u00ebr,\u00a0paketa anti-de-euroizim\u00a0e Bank\u00ebs fokusohet tek fuqizimi i Lekut, por masat p\u00ebr pagesat elektronike nuk jan\u00eb drejtp\u00ebrdrejt p\u00ebr eurozimin; megjithat\u00eb, p\u00ebrmir\u00ebsimi i infrastruktur\u00ebs nd\u00ebrbankare n\u00eb Euro krijon nj\u00eb mjedis m\u00eb t\u00eb qet\u00eb financiar p\u00ebr p\u00ebrdorimin e saj. N\u00eb praktik\u00eb, leht\u00ebsit\u00eb e reja mund t\u00eb shihen si hap p\u00ebr adoptimin gradual t\u00eb Euro-s n\u00eb ekonomi, sepse bizneset do t\u00eb ndihen m\u00eb t\u00eb bindura t\u00eb punojn\u00eb me k\u00ebt\u00eb monedh\u00eb digitalisht. S\u00eb fundi, kjo nxit paket\u00ebs s\u00eb Bank\u00ebs \u2013 rrit pagesa elektronike dhe zgjeron p\u00ebrfshirjen financiare t\u00eb bizneseve dhe qytetar\u00ebve.<\/p>\n\n\n\n

Shembuj konkret\u00eb p\u00ebr nj\u00eb biznes t\u00eb mes\u00ebm me qarkullim n\u00eb Euro<\/h2>\n\n\n\n

Le t\u00eb marrim nj\u00eb shembull t\u00eb thjesht\u00eb. Supozoni nj\u00eb kompanie t\u00eb mesme importuese q\u00eb synon t\u00eb paguaj\u00eb nj\u00eb furnizues vendor n\u00eb Euro n\u00eb vler\u00ebn \u20ac100,000. M\u00eb par\u00eb, ajo do t\u00eb duhej t\u00eb p\u00ebrdorte llogari korrespondente nd\u00ebrkomb\u00ebtare, dhe komisioni mund t\u00eb kalonte \u20ac200 (p.sh. 0.2% e shum\u00ebs). Po ashtu, transaksioni mund t\u00eb vonohej disa or\u00eb nga procesimi nd\u00ebr-bankor. Tani, me sistemin AIPS-EURO, t\u00eb nj\u00ebjt\u00ebn pages\u00eb ajo e kryen n\u00ebp\u00ebrmjet bank\u00ebs lokale dhe paguan\u00a0maksimalisht \u20ac50\u00a0komision Pagesa realizohet brenda t\u00eb nj\u00ebjt\u00ebs dit\u00eb pune (shpejt\u00ebsia e funksionimit 08:30\u201316:30) dhe marr\u00ebsi merr plot\u00ebsisht shum\u00ebn e transferuar pa tarifa hyr\u00ebse. N\u00eb rast se kompania b\u00ebn pagesa m\u00eb t\u00eb vogla (p.sh. \u20ac5,000), komisioni \u00ebsht\u00eb jo m\u00eb shum\u00eb se \u20ac6.<\/p>\n\n\n\n

P\u00ebr t\u00eb\u00a0optimizar p\u00ebrdorimin e sistemit t\u00eb ri, biznesi mund t\u00eb planifikoj\u00eb pagesat n\u00eb fillim t\u00eb dit\u00ebs ose n\u00eb sesionet e hapura t\u00eb AIPS-EURO, n\u00eb m\u00ebnyr\u00eb q\u00eb parat\u00eb t\u00eb shlyhen menj\u00ebher\u00eb. P\u00ebr m\u00eb tep\u00ebr, pagesat e urdh\u00ebruara online shpesh vler\u00ebsohen edhe m\u00eb lir\u00eb. Pra, n\u00eb vend q\u00eb t\u00eb derdh\u00eb cash n\u00eb nj\u00eb bank\u00eb tjet\u00ebr (q\u00eb m\u00eb par\u00eb ndodhte shpesh nga mungesa e alternativave), tani ai vepron digjitalisht. P\u00ebr shembull, n\u00ebse kompania kryen nj\u00eb fatur\u00eb p\u00ebr \u20ac10,000 n\u00eb fillim t\u00eb dit\u00ebs pune, pagesa do t\u00eb arrihet menj\u00ebher\u00eb te llogaria e furnizuesit (pa komision mbi 0.2%, maksimalisht \u20ac6). Nj\u00eb tregues tjet\u00ebr: p\u00ebr vitin 2023 mendohet q\u00eb bizneset shqiptare kursyen rreth\u00a022 milion\u00eb euro\u00a0vet\u00ebm nga reduktimi i komisioneve n\u00eb transfertat n\u00eb Euro. K\u00ebto shifra tregojn\u00eb se shembujt praktik\u00eb kurbin\u00eb se sa fitimprur\u00ebse do t\u00eb jen\u00eb procedurat e reja p\u00ebr nj\u00eb biznes t\u00eb mes\u00ebm.<\/p>\n\n\n\n

Si t\u00eb p\u00ebrgatiten bizneset p\u00ebr k\u00ebto ndryshime<\/h2>\n\n\n\n

P\u00ebr t\u2019u p\u00ebrgatitur p\u00ebr k\u00ebto risi, bizneset mund t\u00eb ndjekin disa hapa praktike:<\/p>\n\n\n\n

Bashk\u00ebpunimi me bank\u00ebn<\/strong><\/h3>\n\n\n\n

Kontaktoni bank\u00ebn tuaj p\u00ebr informacion t\u00eb detajuar. Sigurohuni q\u00eb banka t\u2019ju regjistroj\u00eb n\u00eb sistemin AIPS-EURO dhe t\u2019ju ndihmoj\u00eb t\u00eb hapni llogari n\u00eb Euro n\u00ebse nuk e keni ende. Bankat pritet t\u2019ju informojn\u00eb p\u00ebr tarifat e reja, procedurat e transferimit online dhe oraret e pun\u00ebs s\u00eb sistemit<\/p>\n\n\n\n

Auditimi i llogarive financiare<\/strong><\/h3>\n\n\n\n

B\u00ebni nj\u00eb kontroll t\u00eb brendsh\u00ebn se si paguani aktualisht dhe n\u00eb \u00e7\u2019monedh\u00eb. Vler\u00ebsoni n\u00ebse shp\u00ebrndani likuiditetin midis Lekut dhe Euro-s n\u00eb m\u00ebnyr\u00eb optimale. Zakonisht, ka kuptim t\u00eb mbani nj\u00eb pjes\u00eb t\u00eb mjaftueshme n\u00eb Euro n\u00eb llogari p\u00ebr t\u00eb b\u00ebr\u00eb pagesat e rregullta n\u00eb euro p\u00ebrmes AIPS-EURO, n\u00eb vend q\u00eb t\u00eb mbani euro \u2018cash\u2019 ose fonde jasht\u00eb vendit.<\/p>\n\n\n\n

Koordinimi me kontabilist\u00ebt<\/strong><\/h3>\n\n\n\n

Bashk\u00ebpunoni ngusht\u00eb me kontabilist\u00ebt dhe auditor\u00ebt tuaj. Shpjegoni ndryshimet e reja dhe siguroni q\u00eb proceset e kontabilitetit t\u00eb p\u00ebrdit\u00ebsohen (p.sh. regjistrimi i komisioneve bankare elektronike). Kontabilist\u00ebt duhet t\u00eb din\u00eb tarifat e reja p\u00ebr t\u2019i raportuar sakt\u00eb n\u00eb librez\u00eb dhe buxhet. Po ashtu, ata duhet t\u00eb jen\u00eb t\u00eb informuar se do t\u00eb ket\u00eb m\u00eb shum\u00eb pagesa elektronike, gj\u00eb q\u00eb ndihmon n\u00eb planifikimin fiskal dhe likuiditeti.<\/p>\n\n\n\n

P\u00ebrdit\u00ebsimi i procedurave t\u00eb pun\u00ebs<\/strong><\/p>\n\n\n\n

Edukoni staf\u00ebt e financave. Siguroni q\u00eb ata t\u00eb din\u00eb t\u00eb p\u00ebrdorin platform\u00ebn e internetit t\u00eb bank\u00ebs p\u00ebr urdh\u00ebrime online dhe t\u00eb shfryt\u00ebzojn\u00eb tarifat m\u00eb t\u00eb ul\u00ebta t\u00eb disponueshme. P.sh., transmetoni udh\u00ebzime se cili lloj transferte ka komision m\u00eb t\u00eb ul\u00ebt (elektronike vs. n\u00eb bank\u00eb).<\/p>\n\n\n\n

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Duke bashk\u00ebpunuar me bankat dhe kontabilist\u00ebt, bizneset do t\u00eb kalojn\u00eb m\u00eb leht\u00eb n\u00eb sistemin e ri. K\u00ebto hapa p\u00ebrgatitor\u00eb nuk k\u00ebrkojn\u00eb ndryshime ligjore, por sigurim mir\u00ebkuptim dhe p\u00ebrshtatje operacionale.<\/p>\n<\/blockquote>\n\n\n\n

Rekomandime praktike dhe p\u00ebrfitimet afatgjata<\/h2>\n\n\n\n

N\u00eb afat t\u00eb gjat\u00eb, ndryshimet e sistemit t\u00eb pagesave sjellin p\u00ebrfitime t\u00eb r\u00ebnd\u00ebsishme p\u00ebr bizneset dhe ekonomin\u00eb:<\/p>\n\n\n\n

Kursim i kostove<\/strong><\/h3>\n\n\n\n

Me komisionet drastikisht m\u00eb t\u00eb ul\u00ebta, parat\u00eb q\u00eb paguheshin m\u00eb par\u00eb p\u00ebr transferta do t\u00eb mbeten n\u00eb xhepat e biznesit. Banka e Shqip\u00ebris\u00eb vler\u00ebson q\u00eb k\u00ebto masa do t\u00eb kursejn\u00eb rreth\u00a040 milion\u00eb euro n\u00eb vit\u00a0p\u00ebr ekonomi. Kjo \u00ebsht\u00eb shum\u00eb kapital shtes\u00eb q\u00eb mund t\u00eb p\u00ebrdoret p\u00ebr investime n\u00eb biznes.<\/p>\n\n\n\n

Shpejt\u00ebsi dhe efikasitet<\/strong><\/h3>\n\n\n\n

Pagesat brenda t\u00eb nj\u00ebjt\u00ebs dit\u00eb do t\u00eb leht\u00ebsojn\u00eb menaxhimin e ark\u00ebs dhe t\u00eb detyrimeve. Me mjete m\u00eb t\u00eb shpejta, prodhimtaria e biznesit p\u00ebrmir\u00ebsohet. Me pak fjal\u00eb, ulja e koh\u00ebs s\u00eb pritjes n\u00ebnkupton m\u00eb pak munges\u00eb likuiditeti n\u00eb bilanc.<\/p>\n\n\n\n

Konkurenc\u00eb m\u00eb e madhe nd\u00ebrmjet bankave<\/strong><\/h3>\n\n\n\n

Tarifat m\u00eb t\u00eb ul\u00ebta do t\u00eb detyrojn\u00eb bankat t\u00eb ofrojn\u00eb m\u00eb shum\u00eb sh\u00ebrbime inovative. Kjo konkurrenc\u00eb jep zgjedhje m\u00eb t\u00eb mira p\u00ebr bizneset n\u00eb t\u00eb ardhmen, si p.sh. integrime t\u00eb drejtp\u00ebrdrejta t\u00eb sistemit t\u00eb pagesave n\u00eb softuer\u00ebt e tyre.<\/p>\n\n\n\n

Transparenc\u00eb financiare m\u00eb e madhe<\/strong><\/h3>\n\n\n\n

M\u00eb pak para cash do t\u00eb thot\u00eb m\u00eb shum\u00eb regjistrime bankare dhe m\u00eb shum\u00eb transparenc\u00eb. Kjo mund t\u00eb ul\u00eb informalitetin dhe ndihmon n\u00eb rritjen e besueshm\u00ebris\u00eb s\u00eb biznesit (sepse transaksionet regjistrohen dhe verifikohen elektronikisht). Sipas BSH, kostoja makroekonomike e p\u00ebrdorimit t\u00eb paras\u00eb fizike mund t\u00eb ulet nga 1.7% n\u00eb 0.2% t\u00eb PBB-s\u00eb, \u00e7ka demonstron impaktin ekonomik t\u00eb zgjerimit t\u00eb pagesave elektronike.<\/p>\n\n\n\n

Integrim m\u00eb i madh me tregjet e huaja<\/strong><\/h3>\n\n\n\n

Duke funksionuar sipas standardeve t\u00eb BE-s\u00eb (p\u00ebrfshir\u00eb SEPA), bizneset shqiptare b\u00ebhen m\u00eb konkurueshme n\u00eb tregjet nd\u00ebrkomb\u00ebtare. Pagesat n\u00eb euro drejt vendeve t\u00eb BE-s\u00eb do t\u00eb jen\u00eb praktikisht si ato lokale, gj\u00eb q\u00eb mund t\u00eb nxis\u00eb eksportet dhe investimet e huaja.<\/p>\n\n\n\n

P\u00ebrfitime t\u00eb gjera ekonomike<\/strong><\/h3>\n\n\n\n

Afatgjat\u00eb, nj\u00eb infrastruktur\u00eb pagesash moderne mb\u00ebshtet rritjen ekonomike. M\u00eb pak nd\u00ebrprerje n\u00eb linj\u00ebn e pagesave do t\u00eb sjell\u00eb m\u00eb shum\u00eb besim tek partner\u00ebt dhe konsumator\u00ebt. Gjithashtu, ulja e kostos s\u00eb pagesave elektronike nxit bizneset t\u00eb investojn\u00eb n\u00eb teknologji dhe digjitalizim, gj\u00eb q\u00eb ka dobi n\u00eb shum\u00eb nivele t\u00eb biznesit.<\/p>\n\n\n\n

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N\u00eb p\u00ebrmbledhje, k\u00ebto ndryshime nuk jan\u00eb thjesht \u00e7\u00ebshtje teknike bankare: ato i japin oksigjen ekonomis\u00eb shqiptare duke reduktuar koston e pagesave, inkurajuar p\u00ebrdorimin e kanaleve digjitale dhe duke rritur integrimin nd\u00ebrkomb\u00ebtar. P\u00ebr bizneset e mesme kjo do t\u00eb thot\u00eb m\u00eb shum\u00eb para p\u00ebr t\u00eb investuar e m\u00eb pak p\u00ebr komisione, pagesa m\u00eb t\u00eb shpejta dhe nj\u00eb ambient m\u00eb konkurrues financiar.<\/p>\n<\/blockquote>\n\n\n\n

Scarica:<\/p>\n\n\n\n