{"id":11183,"date":"2023-03-29T10:15:00","date_gmt":"2023-03-29T08:15:00","guid":{"rendered":"https:\/\/technews.al\/?p=11183"},"modified":"2023-03-29T09:07:32","modified_gmt":"2023-03-29T07:07:32","slug":"ekonomiksi-mbrapa-apple-paylater","status":"publish","type":"post","link":"https:\/\/technews.al\/?p=11183","title":{"rendered":"Ekonomiksi mbrapa Apple &#8216;PayLater&#8217;"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11183\" class=\"elementor elementor-11183\">\n\t\t\t\t\t\t\t\t\t<section class=\"has-el-gap el-gap-default elementor-section elementor-top-section elementor-element elementor-element-fbb9122 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fbb9122\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c38df6d\" data-id=\"c38df6d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-963e8d5 elementor-widget elementor-widget-text-editor\" data-id=\"963e8d5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.8.1 - 13-11-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>P\u00ebrpjekja e Apple n\u00eb skem\u00ebn blej tani, paguaj m\u00eb von\u00eb shtron disa pyetje serioze n\u00eb lidhje me sigurin\u00eb e konsumatorit<\/p><p>Apple po futet n\u00eb biznesin &#8220;blej tani, paguaj m\u00eb von\u00eb&#8221; (BNPL) me sh\u00ebrbimin e tij t\u00eb ri Pay Later t\u00eb integruar n\u00eb Apple Pay dhe Apple Wallet. Nd\u00ebrsa Apple e faturon sh\u00ebrbimin si &#8220;t\u00eb projektuar duke pasur parasysh sh\u00ebndetin financiar t\u00eb p\u00ebrdoruesve&#8221;, BNPL \u00ebsht\u00eb nj\u00eb praktik\u00eb q\u00eb \u00ebsht\u00eb v\u00ebn\u00eb n\u00ebn shqyrtim nga rregullator\u00ebt e qeveris\u00eb si di\u00e7ka q\u00eb mund t\u00eb d\u00ebmtoj\u00eb potencialisht klient\u00ebt.<\/p><p>Sh\u00ebrbimi Pay Later i Apple, i cili ka qen\u00eb n\u00eb pun\u00eb t\u00eb pakt\u00ebn q\u00eb nga viti i kaluar, i lejon p\u00ebrdoruesit t\u00eb b\u00ebjn\u00eb nj\u00eb blerje me Apple Pay dhe m\u00eb pas ta paguajn\u00eb at\u00eb n\u00eb kat\u00ebr k\u00ebste t\u00eb barabarta gjat\u00eb gjasht\u00eb jav\u00ebve. Nuk ka interes p\u00ebr k\u00ebto k\u00ebste, por mbetet e paqart\u00eb n\u00ebse Apple do t\u00eb paguaj\u00eb nj\u00eb tarif\u00eb t\u00eb vonuar dhe n\u00ebse po, sa do t\u00eb kushtoj\u00eb.<\/p><p>N\u00eb sip\u00ebrfaqe, sh\u00ebrbimet BNPL duken t\u00eb pad\u00ebmshme, pasi disa vijn\u00eb pa interes dhe lejojn\u00eb nj\u00eb m\u00ebnyr\u00eb t\u00eb thjesht\u00eb p\u00ebr t\u00eb paguar nj\u00eb blerje t\u00eb madhe n\u00eb copa. Disa kompani BNPL madje jan\u00eb shfaqur p\u00ebr pagesa q\u00eb lidhen me kujdesin sh\u00ebndet\u00ebsor &#8211; me disa kompani ekzistuese, si Affirm, duke shtuar mb\u00ebshtetje &#8211; duke mbushur nj\u00eb boshll\u00ebk p\u00ebr njer\u00ebzit q\u00eb nuk mund t\u00eb p\u00ebrballojn\u00eb t\u00eb paguajn\u00eb paraprakisht kostot e kujdesit sh\u00ebndet\u00ebsor. Megjithat\u00eb, ky lloj sh\u00ebrbimi b\u00ebhet i leht\u00eb p\u00ebr t&#8217;u shp\u00ebrdoruar kur p\u00ebrdoret p\u00ebr blerje jo thelb\u00ebsore.<\/p><p>N\u00eb maj, SFGate publikoi nj\u00eb raport shqet\u00ebsues n\u00eb lidhje me sh\u00ebrbimet BNPL q\u00eb thekson popullaritetin e tij n\u00eb mesin e Gjenerat\u00ebs Z, ose atyre t\u00eb lindur midis 1997 dhe 2012. Sipas raportit, 73 p\u00ebrqind e klient\u00ebve BNPL jan\u00eb pjes\u00eb e k\u00ebtij brezi dhe rreth 43 p\u00ebrqind e tyre raportojn\u00eb mungon t\u00eb pakt\u00ebn nj\u00eb pages\u00eb. Nj\u00eb tjet\u00ebr sondazh nga DebtHammer tregon se 30 p\u00ebrqind e p\u00ebrdoruesve luftojn\u00eb p\u00ebr t\u00eb b\u00ebr\u00eb pagesat e tyre BNPL dhe 32 p\u00ebrqind raportojn\u00eb se nuk paguajn\u00eb qiran\u00eb, sh\u00ebrbimet komunale ose mb\u00ebshtetjen e f\u00ebmij\u00ebve p\u00ebr t&#8217;i dh\u00ebn\u00eb p\u00ebrpar\u00ebsi faturave t\u00eb tyre BNPL. Gjendja aktuale e ekonomis\u00eb ka t\u00eb ngjar\u00eb t\u00eb kontribuoj\u00eb n\u00eb disa nga k\u00ebto beteja.<\/p><p>SFGate gjithashtu v\u00ebren se sh\u00ebrbimet BNPL mund t\u00eb \u00e7ojn\u00eb n\u00eb blerje m\u00eb t\u00eb m\u00ebdha. Sipas t\u00eb dh\u00ebnave t\u00eb shikuara nga priza, konsumatori mesatar i Affirm shpenzon 365 dollar\u00eb p\u00ebr nj\u00eb blerje t\u00eb vetme, n\u00eb krahasim me madh\u00ebsin\u00eb mesatare t\u00eb karroc\u00ebs prej 100 dollar\u00ebsh t\u00eb regjistruar n\u00eb vitin 2020. \u00cbsht\u00eb b\u00ebr\u00eb gjithashtu nj\u00eb m\u00ebnyr\u00eb p\u00ebr t\u00eb bler\u00eb nj\u00eb gard\u00ebrob\u00eb pa i paguar shpenzimet paraprakisht, me SFGate duke theksuar se baza e madhe e konsumator\u00ebve t\u00eb Affirm Gen Z shpenzon 73 p\u00ebr qind t\u00eb blerjeve t\u00eb tyre Afterpay p\u00ebr mod\u00ebn.<\/p><p>Ashtu si sistemet e tjera t\u00eb pagesave, sh\u00ebrbimet BNPL mund t\u00eb p\u00ebsojn\u00eb tarifa mbit\u00ebrheqje n\u00ebse p\u00ebrdoruesit i ngarkojn\u00eb ato n\u00eb nj\u00eb llogari me fonde t\u00eb pamjaftueshme, dhe shtypja e im\u00ebt e Apple e b\u00ebn t\u00eb qart\u00eb se nuk b\u00ebn p\u00ebrjashtim. P\u00ebr t&#8217;i b\u00ebr\u00eb gj\u00ebrat edhe m\u00eb keq, popullariteti n\u00eb rritje i BNPL vjen n\u00eb nj\u00eb koh\u00eb kur kompanit\u00eb e kreditit si Experian, Equifax dhe TransUnion po k\u00ebrkojn\u00eb t\u00eb p\u00ebrfshijn\u00eb kredi BNPL n\u00eb raportet e kredis\u00eb. Kjo do t\u00eb thot\u00eb se humbja e nj\u00eb pagese p\u00ebr k\u00ebto sh\u00ebrbime n\u00eb dukje t\u00eb mir\u00eb do t\u00eb vij\u00eb s\u00eb shpejti me nj\u00eb pasoj\u00eb &#8211; jo vet\u00ebm p\u00ebr konsumator\u00ebt, por edhe p\u00ebr kompanit\u00eb BNPL. Dhe nj\u00eb sondazh me 2,200 njer\u00ebz nga Morning Consult zbulon se p\u00ebrdoruesit e BNPL kan\u00eb dy her\u00eb m\u00eb shum\u00eb gjasa p\u00ebr t\u00eb mbit\u00ebrhequr n\u00eb krahasim me jo-p\u00ebrdoruesit.<\/p><p>Pagesat e munguara dhe t\u00eb vonuara, t\u00eb shoq\u00ebruara me nj\u00eb ekonomi t\u00eb paq\u00ebndrueshme, kan\u00eb b\u00ebr\u00eb q\u00eb vler\u00ebsimi i Klarna-s thuhet t\u00eb bjer\u00eb me nj\u00eb t\u00eb tret\u00ebn &#8211; nga 46 miliard\u00eb dollar\u00eb vitin e kaluar n\u00eb 30 miliard\u00eb dollar\u00eb &#8211; dhe gjithashtu ka b\u00ebr\u00eb q\u00eb \u00e7mimi i aksioneve t\u00eb Affirm t\u00eb bjer\u00eb. Muajin e kaluar, Klarna pushoi nga puna 10 p\u00ebr qind t\u00eb punonj\u00ebsve t\u00eb saj p\u00ebr shkak t\u00eb &#8220;nj\u00eb tregu shum\u00eb t\u00eb paq\u00ebndruesh\u00ebm t\u00eb aksioneve dhe nj\u00eb recesioni t\u00eb mundsh\u00ebm&#8221;.<\/p><p>P\u00ebrve\u00e7 \u00e7\u00ebshtjeve t\u00eb mundshme financiare, sh\u00ebrbimet e BNPL po t\u00ebrheqin v\u00ebmendjen e mbik\u00ebqyr\u00ebsve qeveritar\u00eb n\u00eb mbar\u00eb globin. Byroja e Mbrojtjes Financiare t\u00eb Konsumatorit po heton aktualisht kompanit\u00eb BNPL, duke p\u00ebrfshir\u00eb Klarna, Zip, Afterpay, Affirm dhe PayPal, duke p\u00ebrmendur shqet\u00ebsimet rreth &#8220;akumulimit t\u00eb borxhit, arbitrazhit rregullator dhe mbledhjes s\u00eb t\u00eb dh\u00ebnave n\u00eb nj\u00eb treg kredie konsumatore q\u00eb tashm\u00eb po ndryshon me shpejt\u00ebsi me teknologjin\u00eb&#8221;. Vitin e kaluar, MB njoftoi politika m\u00eb t\u00eb rrepta rregullatore p\u00ebr kompanit\u00eb BNPL.<\/p><p>Apple&#8217;s Pay Later \u00ebsht\u00eb n\u00eb rrug\u00ebn e duhur p\u00ebr t\u00eb marr\u00eb t\u00eb nj\u00ebjtin lloj kontrolli, pasi injektohet n\u00eb nj\u00eb sektor t\u00eb pasigurt kur inflacioni \u00ebsht\u00eb n\u00eb rritje dhe konsumator\u00ebt po luftojn\u00eb t\u00eb paguajn\u00eb p\u00ebr mallrat e p\u00ebrditshme. Por gjithashtu normalizon praktik\u00ebn BNPL duke e nd\u00ebrtuar konceptin direkt n\u00eb iPhone, duke paraqitur nj\u00eb rrezik si p\u00ebr konsumator\u00ebt ashtu edhe p\u00ebr bizneset konkurruese. Apple ka fuqin\u00eb p\u00ebr t\u00eb kapur syt\u00eb e miliona p\u00ebrdoruesve t\u00eb iPhone q\u00eb p\u00ebrdorin Apple Pay, nd\u00ebrsa kompanit\u00eb si Klarna, Affirm dhe Afterpay nuk e kan\u00eb qartazi at\u00eb lloj kuptimi.<\/p><p>Bashk\u00ebngjitja e di\u00e7kaje aq t\u00eb rrezikshme sa BNPL n\u00eb mark\u00ebn e Apple e vendos Pay Later n\u00eb kund\u00ebrshtim me q\u00ebllimin e kompanis\u00eb p\u00ebr t&#8217;u ofruar klient\u00ebve teknologji dhe sh\u00ebrbime p\u00ebr t\u00eb cilat n\u00eb p\u00ebrgjith\u00ebsi mund t\u00eb ndihen mir\u00eb. Si\u00e7 thot\u00eb citati i madh nga CEO i Apple Tim Cook n\u00eb faqen e Etik\u00ebs dhe Pajtueshm\u00ebris\u00eb s\u00eb Apple, &#8220;Ne b\u00ebjm\u00eb gj\u00ebn\u00eb e duhur, edhe kur nuk \u00ebsht\u00eb e leht\u00eb&#8221;.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>P\u00ebrpjekja e Apple n\u00eb skem\u00ebn blej tani, paguaj m\u00eb von\u00eb shtron disa pyetje serioze n\u00eb lidhje me sigurin\u00eb e konsumatorit Apple po futet n\u00eb biznesin &#8220;blej tani, paguaj m\u00eb von\u00eb&#8221; (BNPL) me sh\u00ebrbimin e tij t\u00eb ri Pay Later t\u00eb integruar n\u00eb Apple Pay dhe Apple Wallet. Nd\u00ebrsa Apple e faturon sh\u00ebrbimin si &#8220;t\u00eb projektuar<\/p>\n","protected":false},"author":4,"featured_media":11184,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[38],"tags":[],"class_list":{"0":"post-11183","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tech"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ekonomiksi mbrapa Apple &#039;PayLater&#039; - Technews.al<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/technews.al\/?p=11183\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ekonomiksi mbrapa Apple &#039;PayLater&#039; - Technews.al\" \/>\n<meta property=\"og:description\" content=\"P\u00ebrpjekja e Apple n\u00eb skem\u00ebn blej tani, paguaj m\u00eb von\u00eb shtron disa pyetje serioze n\u00eb lidhje me sigurin\u00eb e konsumatorit Apple po futet n\u00eb biznesin &#8220;blej tani, paguaj m\u00eb von\u00eb&#8221; (BNPL) me sh\u00ebrbimin e tij t\u00eb ri Pay Later t\u00eb integruar n\u00eb Apple Pay dhe Apple Wallet. 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