{"id":42612,"date":"2026-11-11T14:19:00","date_gmt":"2026-11-11T13:19:00","guid":{"rendered":"https:\/\/kosovatimes.info\/?p=42612"},"modified":"2026-11-11T17:09:09","modified_gmt":"2026-11-11T16:09:09","slug":"bankat-kerkojne-perditesim-digjital-te-te-dhenave-tklienteve-pa-shkuar-ne-dege","status":"publish","type":"post","link":"https:\/\/kosovatimes.info\/index.php\/2026\/11\/11\/bankat-kerkojne-perditesim-digjital-te-te-dhenave-tklienteve-pa-shkuar-ne-dege\/","title":{"rendered":"Bankat k\u00ebrkojn\u00eb p\u00ebrdit\u00ebsim digjital t\u00eb t\u00eb dh\u00ebnave t`klient\u00ebve, pa shkuar n\u00eb deg\u00eb"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Shoqata e Bankave t\u00eb Kosov\u00ebs (SHBK), njofton se bankat n\u00eb Kosov\u00eb k\u00ebrkojn\u00eb mund\u00ebsimin e p\u00ebrdit\u00ebsimit digjital t\u00eb t\u00eb dh\u00ebnave t\u00eb klient\u00ebve, pa pasur nevoj\u00eb p\u00ebr paraqitje fizike n\u00eb deg\u00eb.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00ebnshkrimi i draft-rregullores p\u00ebr llojin, sasin\u00eb dhe informacionet q\u00eb mund t\u2019u barten institucioneve dhe organeve k\u00ebrkuese, t\u00eb p\u00ebrgatitur muaj m\u00eb par\u00eb nga Agjencia e Regjistrimit Civil (ARC) dhe Ministria e Pun\u00ebve t\u00eb Brendshme do t\u2019u mund\u00ebsonte bankave verifikimin elektronik t\u00eb t\u00eb dh\u00ebnave t\u00eb klient\u00ebve me rrezikshm\u00ebri t\u00eb ul\u00ebt, duke leht\u00ebsuar procedurat dhe duke shmangur pak\u00ebnaq\u00ebsit\u00eb e qytetar\u00ebve q\u00eb p\u00ebrballen me kufizime n\u00eb p\u00ebrdorimin e llogarive bankare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankat komerciale n\u00eb Kosov\u00eb, p\u00ebrmes Shoqat\u00ebs s\u00eb Bankave t\u00eb Kosov\u00ebs, po k\u00ebrkojn\u00eb krijimin e kushteve ligjore dhe teknike p\u00ebr p\u00ebrdit\u00ebsimin digjital t\u00eb t\u00eb dh\u00ebnave t\u00eb klient\u00ebve, pa qen\u00eb e nevojshme q\u00eb qytetar\u00ebt t\u00eb paraqiten fizikisht n\u00eb deg\u00ebt bankare p\u00ebr t\u00eb p\u00ebrmbushur k\u00ebrkesat e identifikimit dhe verifikimit periodik.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Kjo k\u00ebrkes\u00eb vjen si rezultat i sfidave q\u00eb jan\u00eb shfaqur pas hyrjes n\u00eb fuqi t\u00eb legjislacionit p\u00ebr parandalimin e pastrimit t\u00eb parave dhe luftimin e financimit t\u00eb terrorizmit (AML\/CFT), i cili u imponon bankave detyrime t\u00eb vazhdueshme p\u00ebr njohjen e klientit (KYC), p\u00ebrdit\u00ebsimin e t\u00eb dh\u00ebnave dhe zbatimin e masave p\u00ebrkat\u00ebse kur klient\u00ebt nuk i p\u00ebrmbushin k\u00ebrkesat ligjore.&nbsp;Sipas shqet\u00ebsimeve t\u00eb ngritura nga sektori bankar, zbatimi i k\u00ebtyre detyrimeve ka krijuar pak\u00ebnaq\u00ebsi te nj\u00eb num\u00ebr i konsideruesh\u00ebm qytetar\u00ebsh, ve\u00e7an\u00ebrisht n\u00eb rastet kur klient\u00ebt nuk u p\u00ebrgjigjen thirrjeve t\u00eb bankave p\u00ebr p\u00ebrdit\u00ebsimin e t\u00eb dh\u00ebnave dhe, si pasoj\u00eb, p\u00ebrballen me bllokimin apo kufizimin e p\u00ebrdorimit t\u00eb llogarive t\u00eb tyre bankare&#8221;, njofton&nbsp;Shoqata e Bankave t\u00eb Kosov\u00ebs (SHBK).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Megjith\u00ebse bankat jan\u00eb t\u00eb obliguara t\u00eb zbatojn\u00eb k\u00ebrkesat ligjore, ato konsiderojn\u00eb se ekzistojn\u00eb mund\u00ebsi p\u00ebr ta p\u00ebrmbushur k\u00ebt\u00eb detyrim n\u00eb m\u00ebnyr\u00eb m\u00eb efikase, p\u00ebrmes shfryt\u00ebzimit t\u00eb infrastruktur\u00ebs digjitale dhe regjistrave zyrtar\u00eb shtet\u00ebror\u00eb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Draft-rregullorja p\u00ebr llojin, sasin\u00eb dhe informacionet q\u00eb mund t\u2019u barten institucioneve dhe organeve k\u00ebrkuese, n\u00eb pritje t\u00eb n\u00ebnshkrimit nga ARC dhe MPB.&nbsp;Nj\u00eb nga zgjidhjet konkrete q\u00eb do t\u00eb mund\u00ebsonte leht\u00ebsimin e k\u00ebtij procesi \u00ebsht\u00eb miratimi dhe n\u00ebnshkrimi i draft-rregullores p\u00ebr llojin, sasin\u00eb dhe informacionet q\u00eb mund t\u2019u barten institucioneve dhe organeve k\u00ebrkuese nga Agjencia e Regjistrimit Civil (ARC) dhe Ministria e Pun\u00ebve t\u00eb Brendshme (MPB).&nbsp;Kjo draft-rregullore, e cila \u00ebsht\u00eb p\u00ebrgatitur muaj m\u00eb par\u00eb, do t\u00eb krijonte baz\u00ebn e nevojshme p\u00ebr t\u2019u mund\u00ebsuar institucioneve bankare verifikimin dhe p\u00ebrdit\u00ebsimin elektronik t\u00eb t\u00eb dh\u00ebnave t\u00eb klient\u00ebve p\u00ebrmes regjistrave zyrtar\u00eb, n\u00eb p\u00ebrputhje me k\u00ebrkesat ligjore p\u00ebr mbrojtjen e t\u00eb dh\u00ebnave personale&#8221;, njofton&nbsp;Shoqata e Bankave t\u00eb Kosov\u00ebs (SHBK).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u00ebrmes k\u00ebtij mekanizmi, bankat do t\u00eb mund t\u00eb verifikonin t\u00eb dh\u00ebnat bazike t\u00eb identifikimit t\u00eb klient\u00ebve drejtp\u00ebrdrejt nga burimet zyrtare, duke eliminuar n\u00eb shum\u00eb raste nevoj\u00ebn q\u00eb qytetar\u00ebt t\u00eb paraqiten fizikisht n\u00eb deg\u00eb vet\u00ebm p\u00ebr t\u00eb konfirmuar informacione q\u00eb tashm\u00eb ekzistojn\u00eb n\u00eb regjistrat shtet\u00ebror\u00eb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sektori bankar vler\u00ebson se finalizimi i k\u00ebsaj draft-rregulloreje \u00ebsht\u00eb nj\u00eb hap i r\u00ebnd\u00ebsish\u00ebm drejt modernizimit t\u00eb sh\u00ebrbimeve financiare dhe p\u00ebrmir\u00ebsimit t\u00eb p\u00ebrvoj\u00ebs s\u00eb qytetar\u00ebve me institucionet bankare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>P\u00ebrdit\u00ebsimi digjital p\u00ebr klient\u00ebt me rrezikshm\u00ebri t\u00eb ul\u00ebt<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">K\u00ebrkesa e bankave fokusohet ve\u00e7an\u00ebrisht te klient\u00ebt e klasifikuar me rrezikshm\u00ebri t\u00eb ul\u00ebt, p\u00ebr t\u00eb cil\u00ebt verifikimi periodik i t\u00eb dh\u00ebnave mund t\u00eb realizohet p\u00ebrmes kanaleve elektronike, n\u00eb p\u00ebrputhje me qasjen e bazuar n\u00eb rrezik q\u00eb parashihet nga standardet nd\u00ebrkomb\u00ebtare p\u00ebr parandalimin e pastrimit t\u00eb parave.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">:N\u00eb rastet kur klienti nuk paraqet ndryshime t\u00eb r\u00ebnd\u00ebsishme n\u00eb profilin e tij t\u00eb rrezikut dhe t\u00eb dh\u00ebnat mund t\u00eb konfirmohen nga burime t\u00eb besueshme dhe t\u00eb pavarura, procesi i p\u00ebrdit\u00ebsimit mund t\u00eb thjeshtohet ndjesh\u00ebm.&nbsp;Kjo nuk do t\u00eb n\u00ebnkuptonte shmangien e detyrimeve t\u00eb bankave p\u00ebr identifikimin dhe monitorimin e klient\u00ebve, por krijimin e nj\u00eb mekanizmi alternativ, m\u00eb efikas dhe proporcional me nivelin e rrezikut&#8221;,&nbsp;njofton&nbsp;Shoqata e Bankave t\u00eb Kosov\u00ebs (SHBK)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankat do t\u00eb vazhdonin t\u00eb aplikonin kontrolle shtes\u00eb p\u00ebr klient\u00ebt me rrezikshm\u00ebri m\u00eb t\u00eb lart\u00eb, p\u00ebr rastet kur identifikohen mosp\u00ebrputhje n\u00eb t\u00eb dh\u00ebna apo kur k\u00ebrkohet verifikim i m\u00ebtejsh\u00ebm.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nj\u00eb qasje e till\u00eb do t\u00eb mund\u00ebsonte p\u00ebrmbushjen e detyrimeve rregullative pa krijuar ngarkesa t\u00eb panevojshme administrative p\u00ebr klient\u00ebt me profil t\u00eb ul\u00ebt rreziku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bllokimi i llogarive bankare po krijon pak\u00ebnaq\u00ebsi te qytetar\u00ebt<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nj\u00eb nga shqet\u00ebsimet kryesore t\u00eb sektorit bankar mbetet ndikimi q\u00eb detyrimi p\u00ebr p\u00ebrdit\u00ebsimin e t\u00eb dh\u00ebnave ka n\u00eb marr\u00ebdh\u00ebniet nd\u00ebrmjet bankave dhe klient\u00ebve.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00eb rastet kur qytetar\u00ebt nuk u p\u00ebrgjigjen k\u00ebrkesave p\u00ebr p\u00ebrdit\u00ebsimin e informacionit, bankat, n\u00eb zbatim t\u00eb k\u00ebrkesave t\u00eb legjislacionit AML, mund t\u00eb detyrohen t\u00eb kufizojn\u00eb sh\u00ebrbimet ose p\u00ebrdorimin e llogarive bankare, sipas kushteve t\u00eb p\u00ebrcaktuara me ligj.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">K\u00ebto situata shpesh shkaktojn\u00eb pak\u00ebnaq\u00ebsi, pasi qytetar\u00ebt e perceptojn\u00eb kufizimin si vendim t\u00eb vet\u00eb bank\u00ebs, ndon\u00ebse ai buron nga detyrimet ligjore q\u00eb institucionet financiare duhet t\u00eb respektojn\u00eb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Problemi b\u00ebhet edhe m\u00eb i ndjesh\u00ebm p\u00ebr qytetar\u00ebt q\u00eb jetojn\u00eb jasht\u00eb Kosov\u00ebs, personat e moshuar, banor\u00ebt e zonave rurale dhe klient\u00ebt q\u00eb, p\u00ebr arsye t\u00eb ndryshme, e kan\u00eb t\u00eb v\u00ebshtir\u00eb t\u00eb paraqiten fizikisht n\u00eb deg\u00ebt bankare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mund\u00ebsimi i p\u00ebrdit\u00ebsimit digjital do t\u00eb ndihmonte n\u00eb parandalimin e nj\u00eb pjese t\u00eb konsiderueshme t\u00eb k\u00ebtyre situatave, duke u dh\u00ebn\u00eb bankave mund\u00ebsin\u00eb t\u00eb konfirmojn\u00eb informacionin e nevojsh\u00ebm pa nd\u00ebrprer\u00eb marr\u00ebdh\u00ebnien normale bankare me klientin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Shqip\u00ebria po avancon drejt qasjes s\u00eb drejtp\u00ebrdrejt\u00eb t\u00eb bankave n\u00eb regjistrat shtet\u00ebror\u00eb<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nj\u00eb zhvillim i ngjash\u00ebm po diskutohet edhe n\u00eb Shqip\u00ebri, ku Ministria e Ekonomis\u00eb dhe Inovacionit ka p\u00ebrgatitur ndryshime n\u00eb projektligjin \u201cP\u00ebr bazat e t\u00eb dh\u00ebnave shtet\u00ebrore\u201d, me q\u00ebllim q\u00eb bankave dhe institucioneve financiare t\u2019u mund\u00ebsohet verifikimi i drejtp\u00ebrdrejt\u00eb i t\u00eb dh\u00ebnave t\u00eb klient\u00ebve n\u00eb regjistrat shtet\u00ebror\u00eb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sipas propozimit t\u00eb paraqitur p\u00ebr konsultim publik, institucionet financiare t\u00eb licencuara do t\u00eb mund t\u00eb lexojn\u00eb informacionin e nevojsh\u00ebm nga regjistrat zyrtar\u00eb, pa k\u00ebrkuar q\u00eb qytetar\u00ebt t\u00eb sigurojn\u00eb dokumente t\u00eb ve\u00e7anta nga institucionet publike.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Qasja n\u00eb t\u00eb dh\u00ebnat personale do t\u00eb kusht\u00ebzohej nga p\u00eblqimi i klientit, nd\u00ebrsa institucionet financiare do t\u00eb kishin vet\u00ebm t\u00eb drejt\u00ebn e leximit, pa mund\u00ebsi p\u00ebr ndryshimin apo fshirjen e informacionit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ky zhvillim p\u00ebrb\u00ebn nj\u00eb shembull t\u00eb r\u00ebnd\u00ebsish\u00ebm rajonal t\u00eb p\u00ebrpjekjeve p\u00ebr t\u00eb harmonizuar k\u00ebrkesat e sektorit financiar p\u00ebr identifikimin e klient\u00ebve me mund\u00ebsit\u00eb q\u00eb ofron digjitalizimi i administrat\u00ebs publike.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u00ebr Kosov\u00ebn, nj\u00eb zgjidhje e ngjashme do t\u00eb ishte ve\u00e7an\u00ebrisht e r\u00ebnd\u00ebsishme, duke marr\u00eb parasysh nevoj\u00ebn p\u00ebr t\u00eb p\u00ebrmir\u00ebsuar efikasitetin e proceseve bankare dhe p\u00ebr t\u00eb reduktuar barr\u00ebn administrative p\u00ebr qytetar\u00ebt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eb pak burokraci, m\u00eb shum\u00eb siguri dhe sh\u00ebrbime m\u00eb efikase<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mund\u00ebsimi i verifikimit elektronik t\u00eb t\u00eb dh\u00ebnave p\u00ebrmes ARC-s\u00eb do t\u00eb sillte p\u00ebrfitime t\u00eb shum\u00ebfishta p\u00ebr qytetar\u00ebt, bankat dhe institucionet publike.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u00ebr qytetar\u00ebt, kjo do t\u00eb n\u00ebnkuptonte m\u00eb pak vizita n\u00eb deg\u00eb, m\u00eb pak dokumentacion dhe zvog\u00eblim t\u00eb rrezikut t\u00eb kufizimit t\u00eb sh\u00ebrbimeve bankare p\u00ebr shkak t\u00eb mosp\u00ebrdit\u00ebsimit t\u00eb t\u00eb dh\u00ebnave.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u00ebr bankat, qasja n\u00eb burime zyrtare do t\u00eb p\u00ebrmir\u00ebsonte sakt\u00ebsin\u00eb e informacionit, do t\u00eb reduktonte kostot operative dhe do t\u00eb mund\u00ebsonte menaxhim m\u00eb efikas t\u00eb proceseve t\u00eb pajtueshm\u00ebris\u00eb me k\u00ebrkesat AML\/CFT.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nd\u00ebrkoh\u00eb, p\u00ebr institucionet publike, ky mekaniz\u00ebm do t\u00eb kontribuonte n\u00eb p\u00ebrdorimin m\u00eb efikas t\u00eb infrastruktur\u00ebs shtet\u00ebrore t\u00eb t\u00eb dh\u00ebnave dhe n\u00eb avancimin e sh\u00ebrbimeve digjitale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Natyrisht, qasja n\u00eb regjistrat shtet\u00ebror\u00eb duhet t\u00eb shoq\u00ebrohet me mekanizma t\u00eb qart\u00eb autorizimi, mbrojtjeje t\u00eb t\u00eb dh\u00ebnave personale, siguri kibernetike dhe gjurmueshm\u00ebri t\u00eb \u00e7do verifikimi t\u00eb kryer nga institucionet financiare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Bankat k\u00ebrkojn\u00eb finalizimin sa m\u00eb t\u00eb shpejt\u00eb t\u00eb procesit<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Duke marr\u00eb parasysh se draft-rregullorja p\u00ebr llojin, sasin\u00eb dhe informacionet q\u00eb mund t\u2019u barten institucioneve dhe organeve k\u00ebrkuese \u00ebsht\u00eb p\u00ebrgatitur prej muajsh, Shoqata e Bankave te Kosoves k\u00ebrkon q\u00eb ARC dhe Ministria e Pun\u00ebve t\u00eb Brendshme t\u00eb finalizojn\u00eb procesin e n\u00ebnshkrimit dhe t\u00eb krijojn\u00eb kushtet p\u00ebr zbatimin praktik t\u00eb tij.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nj\u00eb veprim i till\u00eb do t\u00eb mund\u00ebsonte q\u00eb bankat t\u00eb vazhdojn\u00eb p\u00ebrmbushjen e detyrimeve ligjore p\u00ebr parandalimin e pastrimit t\u00eb parave, duke shmangur nj\u00ebkoh\u00ebsisht procedurat e panevojshme q\u00eb r\u00ebndojn\u00eb qytetar\u00ebt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;N\u00eb nj\u00eb koh\u00eb kur sh\u00ebrbimet bankare po digjitalizohen gjithnj\u00eb e m\u00eb shum\u00eb, k\u00ebrkesa q\u00eb klient\u00ebt me rrezikshm\u00ebri t\u00eb ul\u00ebt t\u00eb paraqiten fizikisht p\u00ebr t\u00eb konfirmuar t\u00eb dh\u00ebna q\u00eb mund t\u00eb verifikohen n\u00eb m\u00ebnyr\u00eb elektronike p\u00ebrb\u00ebn nj\u00eb penges\u00eb praktike p\u00ebr zhvillimin e m\u00ebtejsh\u00ebm t\u00eb sh\u00ebrbimeve financiare.&nbsp;Finalizimi i draft-rregullores p\u00ebr llojin, sasin\u00eb dhe informacionet q\u00eb mund t\u2019u barten institucioneve dhe organeve k\u00ebrkuese nga ARC dhe MPB do t\u00eb ishte nj\u00eb hap konkret drejt zgjidhjes s\u00eb k\u00ebsaj problematike, duke mund\u00ebsuar nj\u00eb ekuilib\u00ebr nd\u00ebrmjet p\u00ebrmbushjes s\u00eb detyrimeve ligjore nga bankat, mbrojtjes s\u00eb sistemit financiar dhe ofrimit t\u00eb sh\u00ebrbimeve m\u00eb t\u00eb thjeshta e m\u00eb t\u00eb qasshme p\u00ebr qytetar\u00ebt e Kosov\u00ebs&#8221;,&nbsp;njofton&nbsp;Shoqata e Bankave t\u00eb Kosov\u00ebs (SHBK).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Shoqata e Bankave t\u00eb Kosov\u00ebs (SHBK), njofton se bankat n\u00eb Kosov\u00eb k\u00ebrkojn\u00eb mund\u00ebsimin e p\u00ebrdit\u00ebsimit digjital t\u00eb t\u00eb dh\u00ebnave t\u00eb klient\u00ebve, pa pasur nevoj\u00eb p\u00ebr paraqitje fizike n\u00eb deg\u00eb. N\u00ebnshkrimi i draft-rregullores p\u00ebr llojin, sasin\u00eb dhe informacionet q\u00eb mund t\u2019u barten institucioneve dhe organeve k\u00ebrkuese, t\u00eb p\u00ebrgatitur muaj m\u00eb par\u00eb nga Agjencia e Regjistrimit Civil [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":42613,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"class_list":["post-42612","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ekonomi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bankat k\u00ebrkojn\u00eb p\u00ebrdit\u00ebsim digjital t\u00eb t\u00eb dh\u00ebnave t`klient\u00ebve, pa shkuar n\u00eb deg\u00eb - Kosova Times<\/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:\/\/kosovatimes.info\/index.php\/2026\/11\/11\/bankat-kerkojne-perditesim-digjital-te-te-dhenave-tklienteve-pa-shkuar-ne-dege\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bankat k\u00ebrkojn\u00eb p\u00ebrdit\u00ebsim digjital t\u00eb t\u00eb dh\u00ebnave t`klient\u00ebve, pa shkuar n\u00eb deg\u00eb - Kosova Times\" \/>\n<meta property=\"og:description\" content=\"Shoqata e Bankave t\u00eb Kosov\u00ebs (SHBK), njofton se bankat n\u00eb Kosov\u00eb k\u00ebrkojn\u00eb mund\u00ebsimin e p\u00ebrdit\u00ebsimit digjital t\u00eb t\u00eb dh\u00ebnave t\u00eb klient\u00ebve, pa pasur nevoj\u00eb p\u00ebr paraqitje fizike n\u00eb deg\u00eb. 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