Kosovo is landlocked and is bordered by the Republic of Macedonia to the south, Albania to the west and Montenegro to the northwest. The Republic of Kosovo declared itself an independent state in 2008. Link to external site : Website for Kosovo |  |
| Wallets | |
| Development | Developing |
| Send or Receive |
Receive Register/Log In |
| GDP ($m) |
3,237.00 Register/Log In |
| HDI classification | Unknown |
| Mobile Connections (m) |
2.007 Upgrade to Bronze |
| Currency | EUR |
| Class | |
| CountryISO | KO |
| Sovereignity | Country |
| Territory of | - NA - |
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{"type":"PieChart","data":[["Operator","Connections"],["Vala (PTK)",1494513],["IPKO (Telekom Slovenije)",512424]],"options":{"title":"Connections","is3D":true}}
{"type":"ColumnChart","data":[["Year","Connections"],["Q4 2000",42637],["Q4 2001",65531],["Q4 2002",100717],["Q4 2003",154797],["Q4 2004",237914],["Q4 2005",365661],["Q4 2006",562000],["Q4 2007",910631],["Q4 2008",1235010],["Q4 2009",1461642],["Q4 2010",1620677],["Q4 2011",1771470],["Q4 2012",1905919],["Q4 2013",2025471],["Q4 2014",2129791]],"options":{"title":"Connections"}}
| Channel Analysis |
No data to report Upgrade to Bronze |
| COT Analysis |
No data to report Upgrade to Bronze |
| Persona Analysis |
No data to report Upgrade to Bronze |
| Products |
No data to report Upgrade to Bronze |
| PI Analysis |
No data to report Upgrade to Bronze |
| Central Bank |
Central Bank Website for Kosovo Register/Log In |
| Key Regulations | |
| Type of law |
Hybrid Upgrade to Bronze |
| Legal System |
evolving legal system; mixture of applicable Kosovo law, UNMIK laws and regulations, and applicable laws of the Former Socialist Republic of Yugoslavia that were in effect in Kosovo as of 22 March 1989 Upgrade to Bronze |
| Law is based on | |
| Approach |
Allowed Upgrade to Bronze |
| Sectors active in Digital Money | |
| Exclusivity | |
| Certainty | |
| Openness | |
| Proportionate? | |
| Allowed Models |
NB Led Upgrade to Bronze |
| DominantModel |
| E-Money | |
| Payment | |
| Agent | |
| Money Transfer | |
| Taxation |
{"type":"Gauge","data":[["Label","Value"],["Mobile Penetration",68],["Banked",29],["Internet",61],["Urban",0],["Adult",72],["Literate",91.9]],"options":{"scaleHeight":0.5,"min":0,"max":100,"redFrom":76,"redTo":100,"yellowFrom":26,"yellowTo":74}}
| Population m | 2.10 |
| Adult % | 72.00 |
| Migrants % |
0.00 Register/Log In |
| Stock Immigrants ('000) | |
| Emigration Rate % | |
| Internal Migrants ('000) | |
| Internal Migration Rate % | |
| Intl Movement Rate % | |
| Urban % | 0.00 |
| Female % | 0.00 |
| Literate % | 91.90 |
| Annual Growth % |
| Mobile Penetration % | 68.00 |
| Banked % | 29.00 |
| Access to FS % | 40.88 |
| Internet % | 61.00 |
| Branches per 100k adults | 0.00 |
| ATMs per 100k adults | 0.00 |
| POS per 100k adults | 0.00 |
| Prepaid % | 0.00 |
| Prepaid SIM Registration | |
| MobileUnbanked (m) | 1.01 |
| Monthly ARPU |
15.67 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 |