★★★★★
“I send money to Kosovo directly to my family with no fees. My family uses the IBAS Mastercard to withdraw cash or pay in stores-also with no fees. I recommend IBAS to every migrant.”
Bahri Cani
Journalist
About IBAS World
Digital agility backed by institutional security
At a glance
Founded in 2019 and fully licensed by the Central Bank of Kosovo, IBAS began with a clear mandate: to transform the regional financial landscape. Today, we have expanded from electronic money issuance into a comprehensive ecosystem encompassing payment loans and regulated investment advisory.
We are pioneers in cutting-edge financial technology, consistently introducing innovations that redefine how cross-border transfers and credit services operate. This commitment to innovation at the ICT Awards 2021.
Certainty in every transaction
Trusted by over 50,000 clients with a 4.9/5 satisfaction rating.
Our mission
Simplifying financial infrastructure to continuously expand client value
We are driven to be the premier provider of digital financial instruments-engineering a frictionless ecosystem for payments, borderless transfers, strategic credit, and regulated investments.
Our core values
Integrityhonestyresponsibilitypassionhumilitydiversityqualitysimplicitysocial responsibility
People and culture
Driven by visionary talent. Defined by an uncompromising culture.
We cultivate an environment where financial experts and technological pioneers collaborate. By empowering outstanding talent within an inspiring framework, we engineer extraordinary digital banking solutions for our clients.
Gazmend Selmani
Founder & CEO of IBAS WORLD
Verona Selmani
Board Member
Donita Maliqi
Board Member
Management Team
Evion Cuko
External Expert of the Risk and Audit Committee
Albana Meqa
Deputy Chief Financial and Operations Officer
Myrvete Haxholli
Head of Human Resources and Customer Experience
Alma Selmani
Head of Risk Department
Dren Gjakova
Business Account Manager for Dukagjini region
Anita Zogaj
Customer Support Officer
Angjelina Selmani
Customer Support Officer
Marigonë Ukaj
Customer Support Officer - Prizren
Lizandra Osmanaj
Customer Support Officer - Prizren
Adea Muhaxheri
Customer Support Officer - Pejë
Besnik Livoreka
External Expert
Endrina Ramadani
Marketing Specialist
Rinesa Bajrami
Finance Officer
Pranvera Pervetica
Risk Officer
Ylli Qarkaxhiu
Chief Technology Officer
Omer Maksuti
VP of Engineering
Shape the next era of banking
We believe outstanding talent creates extraordinary results. Discover how your skills can help scale our unified financial ecosystem.
Join the TeamPeople and culture
Uncompromising standards of conduct
As a regulated financial institution, our operations are built on a foundation of absolute transparency and accountability
(01)Integrity and Honesty
(02)Respect
(03)Responsibility
(04)Confidentiality
(05)Professionalism
(06)Anti-Discrimination
(07)Ethical Business Practices
(08)Conflict of Interest
(09)Safety and Well-being
(10)Environmental Responsibility
It is engineered through unwavering compliance and ethical discipline.
ESG commitment
Sustainable growth, responsible finance
We believe financial infrastructure must serve both the economy and the ecosystem. Our
Environmental Stewardship
We actively reduce our ecological footprint by prioritizing energy-efficient digital infrastructure, waste reduction, and the integration of green technologies into our operational ecosystem.
Social Responsibility
Financial empowerment starts with community well-being. We invest in local partnerships, education, and healthcare initiatives that elevate the communities where our employees and clients reside.
Transparent Governance
Integrity is non-negotiable. We enforce rigorous frameworks for accountability and fairness, ensuring every institutional decision protects the interests of our clients, shareholders, and partners.
Innovation for Impact
We engineer digital solutions that address real-world social and environmental challenges, utilizing our technological expertise to scale socially conscious financial products.
Accountable Reporting
Transparency drives progress. We rigorously track our ESG metrics and maintain open communication with all stakeholders to ensure we consistently deliver on our sustainability promises.
Long-Term Value
ESG is woven into the very fabric of IBAS. We are building a financially inclusive future where sustainable practices generate lasting value for the global economy.
