| Welcome to INNVEST, where the journey to success is defined by the strength of their partnerships and the depth of their ambition. As they embark on this journey through the dynamic world of fintech, it’s impossible to ignore the seismic shifts that have occurred in the first quarter of 2024. These initial months have served as the cornerstone, laying the foundation for what promises to be a transformative year in finance. |
 LULJETA MINXHOZI Deputy Governor of the Bank of Albania “Albania will be able to submit its application to join the Single Euro Payment Area (SEPA) by June. The integration of payment service providers (PSPs) into SEPA schemes to reduce transaction costs is expected to take 18 months from the moment Albania joins the area. The central bank has been working closely with PSPs to accelerate this process.” |
 YEVGEN LISNYAK Head of Strategic Partnerships,Fintech and Ventures at Visa CISSEE “It was my great pleasure to join this event and to present Visa to fintech industry in Albania. I was very impressed by the number of passionate, open minded and energetic people we have met in Tirana. New ideas and thoughts were in the air and what is more important readiness to bring them into life! Albania has great potential for fintech breakthrough and also to create disruptive products that can be seamlessly exported on other markets as well.” |
 EDUARD SHALSI Chairman of Economy & FinanceCommittee of Albanian Parliament “The widespread use of technology is fundamentally changing the financial industry everywhere in the world. Financial Technology (FinTech) is becoming an integral part of this market in Albania where licensed companies have invested in systems and are offering a range of services. There is still much to do. As legislators, we remain deeply committed to supporting the flourishing of the highly potential fintech sector in the country, including through legislative measures.” |
 IGLI GJELISHTI General Manager at dev.al “With a strong experience in building innovative software solutions for the past decade, venturing into the fintech sector was a natural progression for us. However, we are aware of the new challenges we face, from navigating complex regulatory landscapes to the transition from conventional cash-based transactions to cashless payments. Despite these challenges, seeing the encouraging results we’ve achieved so far, we strongly believe that as a sector, we are going to reshape the financial industry, driving efficiency, convenience, and inclusivity.” |
 HERJOLA SPAHIU Board Member of European Microfinance Network (EMN), Board Member of IFJB NOA sh.a Kosove, CEO of NOA sha “Technologies enable us to be efficient and social at the same time since only in this way we analyze our products, the profitability, and the needs of each segment to adapt our products more fully. Being FinTech for us means how to better serve our people, our clients, and our staff. That’s why we are not afraid of AI, of innovations, because the goal is not human replacement, but its strengthening.” |
 ARLINDA MUJA President of Albanian MicrofinanceAssociation, CEO of Kredo.al “Through our inevitable way up to digitalization, we need to balance our services and options available to our customers to ensure financial inclusion.” |
 DENADA DOSTI Financial Advisory Director, Deloitte Albania “Value lies in the eye of the beholder! Therefore, the market value of a Fintech company can vary from 0 to bln of EUR, depending on its user. Recently, what seems to be a key driver of value are AI solutions as tools for cost efficiency, data processing/analytics for business development, and financial process optimization. The fintech industry, as well as the economy as a whole nowadays is extremely dynamic and for an investor to reach adequate financing the importance of pitching is ever-increasing.” |
 CELIK NIMANI Managing Director of Kin + Carta “Emerging economies like Albania’s, which is making quite several smart moves to make the financial market more innovative, can leapfrog towards the latest technologies, such as AI, instead of investing first into Digital transformation. AI is not the technology of tomorrow! It’s the technology of today with massive impacts on customer experiences, fraud detection, fraud prevention, and other areas of the financial sector. Companies must invest smartly, and consider key areas where to make the best use of it.” |
 GJERGJI GURI Founder and CEO of Facilization “Soon, banks and fintech companies in the Western Balkans will collaborate in synergy to co-create value for individuals and businesses, surpassing traditional banking limitations and driving the market towards a digital future.” |
 EVARIST RAJDHO Business Development, Rpay “Your super app for seamless financial solutions: Simplifying, securing, and accelerating every aspect of your financial life.” Embrace innovation, foster collaboration, and prioritize user-centric design to drive meaningful change in the financial industry. Together, we can shape a future where technology empowers financial inclusion and creates opportunities for all.” |
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