{"id":28272,"date":"2026-11-06T10:47:54","date_gmt":"2026-11-06T09:47:54","guid":{"rendered":"https:\/\/technews.al\/?p=28272"},"modified":"2026-11-06T10:48:57","modified_gmt":"2026-11-06T09:48:57","slug":"si-funksionojne-bankat-digjitale-dhe-a-kemi-te-tilla-ne-shqiperi","status":"publish","type":"post","link":"https:\/\/technews.al\/?p=28272","title":{"rendered":"Si funksionojn\u00eb bankat digjitale dhe a kemi t\u00eb tilla n\u00eb Shqip\u00ebri?"},"content":{"rendered":"\n

T\u00eb hap\u00ebsh nj\u00eb llogari bankare, t\u00eb transferosh para apo t\u00eb menaxhosh kursimet pa shkuar asnj\u00ebher\u00eb n\u00eb bank\u00eb.<\/strong> Ky \u00ebsht\u00eb modeli i bankave digjitale, t\u00eb cilat ofrojn\u00eb sh\u00ebrbime financiare kryesisht p\u00ebrmes aplikacioneve n\u00eb telefon, pa pasur nevoj\u00eb p\u00ebr nj\u00eb rrjet tradicional deg\u00ebsh fizike.<\/p>\n\n\n\n

Bankat digjitale funksionojn\u00eb n\u00eb m\u00ebnyr\u00eb t\u00eb ngjashme me bankat tradicionale. Ato mund t\u00eb ofrojn\u00eb llogari, karta, depozita, transferta dhe produkte t\u00eb tjera financiare, por shumica e veprimeve kryhen online. Mungesa e deg\u00ebve fizike mund t\u00eb ul\u00eb kostot dhe t\u00eb p\u00ebrshpejtoj\u00eb sh\u00ebrbimet<\/strong>, nd\u00ebrsa siguria e parave varet nga licencimi, mbik\u00ebqyrja dhe masat e mbrojtjes s\u00eb institucionit.<\/p>\n\n\n\n

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

Po n\u00eb Shqip\u00ebri?<\/strong>\u00a0<\/p>\n\n\n\n

N\u00eb mars 2026, Banka e Shqip\u00ebris\u00eb licencoi\u00a0Jet Bank<\/strong>, bank\u00ebn e par\u00eb plot\u00ebsisht digjitale n\u00eb vend. N\u00eb korrik, ajo nisi aktivitetin dhe aplikacionin e saj, duke ofruar hapjen e llogarive, depozita, karta debiti fizike dhe virtuale, si dhe k\u00ebmbim valutor.<\/p>\n\n\n\n

Nd\u00ebrkoh\u00eb, edhe bankat tradicionale n\u00eb Shqip\u00ebri ofrojn\u00eb sh\u00ebrbime p\u00ebrmes aplikacioneve, si kontrolli i llogarive, pagesat dhe transfertat. Megjithat\u00eb, nj\u00eb bank\u00eb tradicionale me aplikacion nuk \u00ebsht\u00eb domosdoshm\u00ebrisht e nj\u00ebjt\u00eb me nj\u00eb bank\u00eb 100% digjitale<\/strong>.<\/p>\n\n\n\n

Lexo edhe: Kriz\u00eb bankare n\u00eb Paraguaj: 3 milion\u00eb klient\u00eb pa akses n\u00eb parat\u00eb e tyre, dor\u00ebhiqet presidenti<\/a><\/h2>\n\n\n\n

Cili \u00ebsht\u00eb rreziku?\u00a0<\/strong><\/p>\n\n\n\n

Edhe pse bankat digjitale ofrojn\u00eb sh\u00ebrbime t\u00eb shpejta dhe praktike, ato nuk jan\u00eb t\u00eb mbrojtura nga problemet financiare, sulmet kibernetike apo falimentimi. Nj\u00eb rast shqet\u00ebsues \u00ebsht\u00eb ai i\u00a0Ueno Bank n\u00eb Paraguaj, ku, sipas raportimeve, nd\u00ebrhyrja e autoriteteve p\u00ebr shkak t\u00eb problemeve me aft\u00ebsin\u00eb paguese la rreth 3 milion\u00eb klient\u00eb pa akses n\u00eb sh\u00ebrbimet bankare, nd\u00ebrsa rreth 380 milion\u00eb dollar\u00eb investime t\u00eb fondeve t\u00eb pensioneve u raportuan si t\u00eb rrezikuara. <\/p>\n\n\n\n

Rasti tregon se\u00a0nj\u00eb aplikacion modern dhe sh\u00ebrbime t\u00eb shpejta nuk garantojn\u00eb automatikisht sigurin\u00eb e kursimeve. P\u00ebr k\u00ebt\u00eb arsye, \u00ebsht\u00eb e r\u00ebnd\u00ebsishme q\u00eb qytetar\u00ebt t\u00eb kontrollojn\u00eb licencimin, gjendjen financiare dhe mbulimin nga skema e sigurimit t\u00eb depozitave p\u00ebrpara se t’i besojn\u00eb parat\u00eb nj\u00eb banke.<\/p>\n\n\n\n

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

<\/p>\n","protected":false},"excerpt":{"rendered":"

T\u00eb hap\u00ebsh nj\u00eb llogari bankare, t\u00eb transferosh para apo t\u00eb menaxhosh kursimet pa shkuar asnj\u00ebher\u00eb n\u00eb bank\u00eb. Ky \u00ebsht\u00eb modeli i bankave digjitale, t\u00eb cilat ofrojn\u00eb sh\u00ebrbime financiare kryesisht p\u00ebrmes aplikacioneve n\u00eb telefon, pa pasur nevoj\u00eb p\u00ebr nj\u00eb rrjet tradicional deg\u00ebsh fizike. Bankat digjitale funksionojn\u00eb n\u00eb m\u00ebnyr\u00eb t\u00eb ngjashme me bankat tradicionale. Ato mund t\u00eb ofrojn\u00eb<\/p>\n","protected":false},"author":4,"featured_media":28273,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[38],"tags":[40],"class_list":{"0":"post-28272","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tech","8":"tag-featured"},"yoast_head":"\nSi funksionojn\u00eb bankat digjitale dhe a kemi t\u00eb tilla n\u00eb Shqip\u00ebri? - 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=28272\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Si funksionojn\u00eb bankat digjitale dhe a kemi t\u00eb tilla n\u00eb Shqip\u00ebri? - Technews.al\" \/>\n<meta property=\"og:description\" content=\"T\u00eb hap\u00ebsh nj\u00eb llogari bankare, t\u00eb transferosh para apo t\u00eb menaxhosh kursimet pa shkuar asnj\u00ebher\u00eb n\u00eb bank\u00eb. Ky \u00ebsht\u00eb modeli i bankave digjitale, t\u00eb cilat ofrojn\u00eb sh\u00ebrbime financiare kryesisht p\u00ebrmes aplikacioneve n\u00eb telefon, pa pasur nevoj\u00eb p\u00ebr nj\u00eb rrjet tradicional deg\u00ebsh fizike. Bankat digjitale funksionojn\u00eb n\u00eb m\u00ebnyr\u00eb t\u00eb ngjashme me bankat tradicionale. 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