{"id":25124,"date":"2025-11-05T10:35:56","date_gmt":"2025-11-05T09:35:56","guid":{"rendered":"https:\/\/technews.al\/?p=25124"},"modified":"2025-11-05T10:35:57","modified_gmt":"2025-11-05T09:35:57","slug":"ai-kunder-pastrimit-te-parave-startup-i-norvegjez-ndihmon-bankat-kunder-mashtrimeve","status":"publish","type":"post","link":"https:\/\/technews.al\/?p=25124","title":{"rendered":"AI kund\u00ebr pastrimit t\u00eb parave, startup-i norvegjez ndihmon bankat kund\u00ebr mashtrimeve"},"content":{"rendered":"\n

Banka dhe institucionet financiare po p\u00ebrballen me nj\u00eb rritje t\u00eb mashtrimeve dhe pastrimit t\u00eb parave, duke u p\u00ebrballur gjithashtu me presionin p\u00ebr t\u00eb p\u00ebrmbushur rregulloret financiare gjithnj\u00eb e m\u00eb t\u00eb rrepta. Sipas Interpol<\/em>, industria financiare identifikon vet\u00ebm rreth 2% t\u00eb rrjedhave globale t\u00eb krimit financiar, edhe pse shpenzimet p\u00ebr sigurin\u00eb jan\u00eb rritur deri n\u00eb 10% n\u00eb vit n\u00eb disa tregje t\u00eb zhvilluara midis 2015-\u00ebs dhe 2022-it.<\/p>\n\n\n\n

P\u00ebr t\u00eb leht\u00ebsuar k\u00ebt\u00eb barr\u00eb, disa po shohin drejt inteligjenc\u00ebs artificiale (AI). N\u00eb Norvegji, start-up-i fintech Strise<\/em> ka krijuar nj\u00eb platform\u00eb AI q\u00eb skanon regjistrat publik\u00eb dhe raportet mediatike p\u00ebr t\u00eb identifikuar n\u00eb koh\u00eb reale rreziqet e mundshme t\u00eb pastrimit t\u00eb parave.<\/p>\n\n\n\n

Sistemi i Strise<\/em> \u00ebsht\u00eb projektuar p\u00ebr t\u00eb verifikuar aplikimet e reja p\u00ebr hapjen e llogarive n\u00eb institucione financiare q\u00eb n\u00ebnshkruhen nga legjislacioni evropian kund\u00ebr pastrimit t\u00eb parave, si banka, kompanit\u00eb e sigurimeve dhe sh\u00ebrbimet e pagesave.<\/p>\n\n\n\n

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

Tradicionalisht, procesi i njohjes s\u00eb klientit (Know Your Customer \u2013 KYC) k\u00ebrkonte analist\u00eb compliance<\/em> q\u00eb kontrollonin baza t\u00eb dh\u00ebnash, dokumente korporative dhe raporte mediatike p\u00ebr t\u00eb identifikuar pron\u00ebsin\u00eb, lidhjet dhe rreziqet potenciale. Kjo ishte e ngadalshme dhe e kushtueshme.<\/p>\n\n\n\n

Sistemi inteligjent i Strise<\/em> automatizon k\u00ebto kontrolle, duke identifikuar shenjat paralajm\u00ebruese, si lidhjet me individ\u00eb t\u00eb sanksionuar, juridiksione me rrezik t\u00eb lart\u00eb, ose figura politike t\u00eb ndjeshme ndaj korrupsionit dhe pastrimit t\u00eb parave. P\u00ebr shembull, platforma ka evidentuar kompani t\u00eb lidhura me oligark\u00eb rus\u00eb ose individ\u00eb t\u00eb p\u00ebrfshir\u00eb n\u00eb mashtrime t\u00eb m\u00ebdha me kriptovaluta.<\/p>\n\n\n\n

P\u00ebrdorimi i AI-s\u00eb ka mund\u00ebsuar q\u00eb institucionet financiare t\u00eb identifikojn\u00eb dhe refuzojn\u00eb kompanit\u00eb me rrezik t\u00eb lart\u00eb m\u00eb shpejt, duke rritur kapacitetin e trajtimit t\u00eb rasteve deri n\u00eb dhjet\u00eb her\u00eb pa shtuar staf. Sistemi gjithashtu gjeneron raporte dhe p\u00ebrmbledhje t\u00eb automatizuara t\u00eb gjetjeve p\u00ebr regulator\u00ebt, duke p\u00ebrdorur modele t\u00eb m\u00ebdha gjuh\u00ebsore (LLM).<\/p>\n\n\n\n

Reforma e BE-s\u00eb<\/strong>
Bashkimi Evropian po finalizon autoritetin e ri kund\u00ebr pastrimit t\u00eb parave (AMLA) n\u00eb Frankfurt dhe nj\u00eb direktiv\u00eb t\u00eb re evropiane q\u00eb pritet t\u00eb hyj\u00eb n\u00eb fuqi n\u00eb 2027, \u201cp\u00ebr t\u00eb luftuar pastrimin e parave dhe financimin e terrorizmit\u201d. Ekspert\u00ebt paralajm\u00ebrojn\u00eb se integrimi i AI n\u00eb k\u00ebt\u00eb proces sjell sfida t\u00eb reja, duke p\u00ebrfshir\u00eb nevoj\u00ebn p\u00ebr mbik\u00ebqyrje njer\u00ebzore kur vendimet automatike ndikojn\u00eb ndjesh\u00ebm tek individ\u00ebt.<\/p>\n\n\n\n

Sipas Strise<\/em>, sistemi i tyre ka arritur t\u00eb ul\u00eb deri n\u00eb 30\u201340% rastet false pozitive, duke reduktuar pun\u00ebn manuale p\u00ebr analist\u00ebt dhe duke p\u00ebrqendruar energjin\u00eb tek identifikimi i rreziqeve reale. Megjithat\u00eb, ekspert\u00ebt theksojn\u00eb se automatizimi mund t\u00eb zvog\u00ebloj\u00eb transparenc\u00ebn dhe t\u00eb v\u00ebshtir\u00ebsoj\u00eb sfidimin e vendimeve t\u00eb marr\u00eb nga algoritmet.<\/p>\n","protected":false},"excerpt":{"rendered":"

Banka dhe institucionet financiare po p\u00ebrballen me nj\u00eb rritje t\u00eb mashtrimeve dhe pastrimit t\u00eb parave, duke u p\u00ebrballur gjithashtu me presionin p\u00ebr t\u00eb p\u00ebrmbushur rregulloret financiare gjithnj\u00eb e m\u00eb t\u00eb rrepta. Sipas Interpol, industria financiare identifikon vet\u00ebm rreth 2% t\u00eb rrjedhave globale t\u00eb krimit financiar, edhe pse shpenzimet p\u00ebr sigurin\u00eb jan\u00eb rritur deri n\u00eb 10% n\u00eb<\/p>\n","protected":false},"author":4,"featured_media":25125,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[349],"tags":[40],"class_list":{"0":"post-25124","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-artificial-intelligence","8":"tag-featured"},"yoast_head":"\nAI kund\u00ebr pastrimit t\u00eb parave, startup-i norvegjez ndihmon bankat kund\u00ebr mashtrimeve - 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=25124\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"AI kund\u00ebr pastrimit t\u00eb parave, startup-i norvegjez ndihmon bankat kund\u00ebr mashtrimeve - Technews.al\" \/>\n<meta property=\"og:description\" content=\"Banka dhe institucionet financiare po p\u00ebrballen me nj\u00eb rritje t\u00eb mashtrimeve dhe pastrimit t\u00eb parave, duke u p\u00ebrballur gjithashtu me presionin p\u00ebr t\u00eb p\u00ebrmbushur rregulloret financiare gjithnj\u00eb e m\u00eb t\u00eb rrepta. 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