The rapid growth of digital payments in Albania reflects a broader transformation of the
 economy. Contactless cards, QR payments, e-wallets, and online banking are now central to
 how citizens, businesses, and visitors transact. Albania is also experiencing record tourism,
 where seamless cashless experiences are expected. Yet, challenges remain: low digital literacy,
 rural-urban gaps in access, trust and cybersecurity risks, and the need for stronger collaboration
 between banks, fintechs, regulators, and civil society.