DREAM / The Prime Minister resigns and wakes up under the Parisian bridge!

 Kliko këtu për të tjera
Voxpress:

The use of bank cards increases significantly, 70 percent of the population use them

2023-12-22 14:48:15Biznes SHKRUAR NGA REDAKSIA VOX

The use of bank cards increases significantly, 70 percent of the population use

According to the official data of the Bank of Albania, the financial inclusion of the majority population has increased at a satisfactory pace, reaching almost 70% in 2023. While payments per capita of the majority population resulted in 20 for 2023, from 17 a year ago.

Meanwhile, at the end of the third quarter of the year, there were a total of 1,418,049 cards issued by banks operating in Albania, from 1,399,807 that resulted in the middle of the year. In total, there are 1,229,475 debit cards, and only 118,338 credit cards. Although they have recorded a slight increase in the last quarter, their number still remains at minimal levels. Credit cards, in contrast to debit cards, enable us to make purchases from the POS and the Internet or withdraw cash from the ATM/POS, within a predetermined limit, without having funds in our account, but using the funds that the bank has for us made available.

In the third quarter of the year, there was a slight increase in the number of Cards with electronic money function, which are mainly used for paying invoices or various fines.

The coverage of 70% of the population with banking services comes to the fore when basic bank cards are expected to be put into circulation soon. In recent months, the law has also been approved that creates facilities for categories of consumers who find it difficult or impossible to open and maintain a payment (current) account in banks, due to the costs it carries. The law creates the conditions for non-discrimination of consumers for opening a payment account with basic services, but on the other hand, it obliges banks to open them.

Their card provision will be made at no cost or at an affordable cost by them, guaranteeing and enabling the right of every consumer, regardless of income level, employment status, solvency history, to have access to basic services of the payment account.


Në përputhje me standarded JTI

Video

SHIKO KANALIN NE YOUTUBE
×