Albania is a small, mountainous country in the Balkan peninsula, with a long Adriatic and Ionian coastline. Link to external site : Website for Albania |  |
| Wallets | |
| Development | Developing |
| Send or Receive |
Receive Register/Log In |
| GDP ($m) |
10,831.22 Register/Log In |
| HDI classification | High |
| Mobile Connections (m) |
4.861 Upgrade to Bronze |
| Currency | ALL |
| Class | |
| CountryISO | AL |
| Sovereignity | Country |
| Territory of | - NA - |
{"type":"GeoChart","data":[["Country","Population(m)","Rank"],["AL",3.181,129]],"options":{"title":"Countries","region":"AL","displayMode":"regions","colorAxis":{"minValue":0,"maxValue":1500,"colors":["yellow","green","red"]}}}
{"type":"PieChart","data":[["Operator","Connections"],["AMC (OTE)",2057935],["Vodafone",1650866],["Eagle Mobile (ALBtelecom)",990000],["Plus (PTK)",161969]],"options":{"title":"Connections","is3D":true}}
{"type":"ColumnChart","data":[["Year","Connections"],["Q4 2000",28775],["Q4 2001",391481],["Q4 2002",849821],["Q4 2003",1099785],["Q4 2004",1259590],["Q4 2005",1530244],["Q4 2006",1910199],["Q4 2007",2323311],["Q4 2008",2966989],["Q4 2009",4024993],["Q4 2010",4989414],["Q4 2011",5489355],["Q4 2012",5756480],["Q4 2013",5897838],["Q4 2014",5977118]],"options":{"title":"Connections"}}
| Channel Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Mobile",1]],"options":{"title":"Initiatives ( 1 of 1 )"}} |
| COT Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["MNO",1]],"options":{"title":"Initiatives ( 1 of 1 )"}} |
| Persona Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["AT",1]],"options":{"title":"Initiatives ( 1 of 1 )"}} |
| Products |
{"type":"ColumnChart","data":[["Category","Initiatives"],["DAT",1]],"options":{"title":"Initiatives ( 1 of 1 )"}} |
| PI Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["MobileBilling",1]],"options":{"title":"Initiatives ( 1 of 1 )"}} |
| Central Bank | |
| Key Regulations | |
| Type of law |
Civil Upgrade to Bronze |
| Legal System |
Civil law system except in the northern rural areas where customary law known as the "Code of Leke" prevails Upgrade to Bronze |
| Law is based on |
The Civil Code of the Republic of Albania Upgrade to Bronze |
| Approach |
Allowed Upgrade to Bronze |
| Sectors active in Digital Money | |
| Exclusivity | |
| Certainty | |
| Openness | |
| Proportionate? | |
| Allowed Models |
NB Led Upgrade to Bronze |
| DominantModel |
| E-Money |
Commercial banks introducing prepaid multipurpose cards. Current level of e-money does not necessitate policy reaction. No reports of innovation Upgrade to Bronze |
| Payment | |
| Agent | |
| Money Transfer | |
| Taxation |
{"type":"Gauge","data":[["Label","Value"],["Mobile Penetration",125.47],["Banked",34],["Internet",15],["Urban",46],["Adult",75],["Literate",99.0426]],"options":{"scaleHeight":0.5,"min":0,"max":100,"redFrom":76,"redTo":100,"yellowFrom":26,"yellowTo":74}}
| Population m | 3.18 |
| Adult % | 75.00 |
| Migrants % |
3.00 Register/Log In |
| Stock Immigrants ('000) |
89.10 Upgrade to Bronze |
| Emigration Rate % |
21.00 Upgrade to Bronze |
| Internal Migrants ('000) |
500.00 Upgrade to Bronze |
| Internal Migration Rate % |
24.10 Upgrade to Bronze |
| Intl Movement Rate % |
21.40 Upgrade to Bronze |
| Urban % | 46.00 |
| Female % | 53.10 |
| Literate % | 99.04 |
| Annual Growth % |
| Mobile Penetration % | 125.47 |
| Banked % | 34.00 |
| Access to FS % | 34.00 |
| Internet % | 15.00 |
| Branches per 100k adults | 21.39 |
| ATMs per 100k adults | 26.87 |
| POS per 100k adults | 122.72 |
| Prepaid % | 95.50 |
| Prepaid SIM Registration | |
| MobileUnbanked (m) | 2.10 |
| Monthly ARPU |
17.14 Upgrade to Bronze |
| Cards 2010 ('000) | |
| Propensity % |
| Overall | |
| Population | |
| On Remittance Sent | |
| On Remittance Received | |
| Mobile Unbanked | |
| Migrant % | |
| MP % | |
| Banked % | |
| Development |
| Can Provide Payments? | |
| Can Market under Brand? | |
| Can issue E-Money? | |
| Can Open Customer Account? | |
| Can Own Customer? | |
| Can do Cash In/Cash Out? | |
| Can offer Domestic Money Transfer? | |
| Can offer International Money Transfer? |
| Importance for Digital Money | |
| Digital Money Adoption |
Medium Term Upgrade to Bronze |
| Registered Wallet Users | |
| Top Wallets | |
| Informal Market | |
| Cost To Remit | |
| Key Players |