Welcome to the Publications page. This dedicated section serves as a platform to keep the public informed about official statements, insightful blogs, the latest news, and authorized communications endorsed by our management.

Banks, Fintechs, and Businesses: Building Synergies for Accelerating Access to Finance in Kosovo

As the pioneering Fintech company in Kosovo, IBAS, represented by its founder and solution architect, Mr. Gazmend, made a significant impact at an event co-hosted by USAID and the Central Bank of Kosovo. The theme was “Banks, Fintechs, and Businesses: Building Synergies for Accelerating Access to Finance.”

In his presentation, Mr. Gazmend eloquently outlined the unique challenges and opportunities that come with being a forerunner in the fintech space. He delved into the critical role of a supportive ecosystem, which hinges on the collaboration of government entities, regulatory agencies, and financial infrastructures. Notably, he showcased IBAS’s innovative solutions, such as commission-free digital transactions, no-fee SEPA transfers, interest-free options for the ‘Buy Now Pay Later’ scheme, and the eagerly anticipated investment advisory services, all aligned with current regulations.

Gazmend Selmani, Founder and Solution Architect

Mr. Gazmend concluded with a powerful call to action for regulatory bodies and other stakeholders. He urged them to adapt to the evolving landscape shaped by PSD2 regulations and the advent of open banking. Additionally, he advocated for partnerships with governmental organizations to ensure that businesses provide at least one alternative to cash payments.

The IBAS team expressed their heartfelt appreciation for the audience’s acknowledgement and enthusiastic reception of their groundbreaking contributions. They reiterated their dedication to perpetually innovate and enhance value in the fintech domain.

Paul Wild Appointed Chairman of the Board at IBAS

We are happy to announce a significant and strategic addition to the leadership team at IBAS. Mr. Paul Wild has been appointed as the Chairman of the Board, after his approval by the Central Bank of Kosovo. This appointment marks a pivotal moment for IBAS, as we welcome a leader with a wealth of experience and a proven track record in the financial sector.

Paul Wild is a highly accomplished banker and leader with a distinguished career which started at Barclays Bank UK and has spanned over 30 years. He possesses a unique blend of experience in SME, corporate banking, retail, and development bank consulting. What sets Paul apart is his strong record of implementing projects for international development institutions and his ability to drive cross-functional change management while creating businesses for sustainable growth.

Paul has worked extensively in various countries, including Albania, where he played a pivotal role in creating Raiffeisen Bank business lending unit, he later joined International Commercial Bank Albania as Head of Retail and small business banking.

International Expertise
Paul’s expertise extends beyond Albania. He has undertaken assignments and made a significant impact in multiple EU countries, including Slovakia, Hungary, Czech Republic and further afield, Turkey, Africa and South East Asia. 

Paul Wild (photo)

Notable achievements include:
Slovakia: Paul formed a Small and Medium-Sized Enterprise (SME) lending team at VUB (an subsidiary of Intesa Sanpaolo) and successfully onward lending a credit line provided by the European Bank for Reconstruction and Development.

Hungary: He advised Budapest bank lease company on how to position and communicate its Agriculture leasing products in the Hungarian market.

Turkey: Paul managed the processing and granting of Project Finance loans at Halk Bank under a European Investment Bank Credit Line.

Recently Paul has completed assignments for the EBRD for three of Africas top 10 banks in the areas of Small Business lending, sustainable finance and digital transformation.  As well as regulatory assignments for GIZ with the Central Bank of Egypt and Export Promotion for USAID TRADE, Egypt.

Paul’s impact on these countries showcases his ability to bring International Best practice and Innovation to create positive change and drive growth in the banking sector.

A Leader in Sustainable Finance

Paul has an MSc in Sustainable Finance from the London Institute of Banking and Finance. His commitment to sustainability and innovative financial practices aligns perfectly with IBAS’s mission and values.

Chairman of the Board at IBAS
As Chairman of the Board at IBAS, Paul Wild’s deep expertise and transformative leadership will play a critical role in shaping our strategic direction and guiding our organization towards greater success. We are confident that Paul’s vast experience, international perspective, and successful track record will be instrumental in leading IBAS into a new era of growth and innovation.

Join us in welcoming Paul Wild as the Chairman of the Board at IBAS. We are excited about the opportunities and insights he will bring to our organization.

IBAS – A Remarkable Visit to the University of Pristina

In a significant outreach effort, PBC Group, alongside its innovative financial services platform IBAS, recently visited the University of Pristina to engage and educate the students about the remarkable world of financial services. This educational endeavor was a part of the ongoing commitment of PBC Group to share its expertise with the academic community.

Mr. Gazmed , the visionary founder of PBC Group, took the stage to kick off the lecture by providing an insightful overview of PBC Group and its diverse array of products. Among the gems of the PBC Group family, he emphasized IBAS, an innovative banking and attractive solution financial services platform, the British College of Science by PBC Academy, VERPO, rTrust, a marketing referral platform, and MARK, their newest marketing agency.

The students of the second-year Marketing Department at the University of Prishtina were in for a treat as the CEO of IBAS, Mr. Hajdari, took the stage to provide an in-depth exploration of the services offered by this groundbreaking platform.

The visit to the University of Pristina was more than just a lecture; it was a unique opportunity for students to gain valuable insights into the ever-evolving fields of financial services and marketing. As the world of business and commerce continues to evolve at an unprecedented pace, such interactions between industry experts and the academic community play a pivotal role in bridging the gap between theory and real-world application.

PBC Group’s visit to the University of Pristina not only enriched the students’ understanding of the financial landscapes but also inspired them to explore the endless possibilities and opportunities that await them in the industry. This remarkable initiative served as a reminder of the importance of knowledge sharing and collaboration between educational institutions and industry leaders.

We express our heartfelt gratitude to Professor Nail Reshidi and his dedicated staff for their warm welcome and support during our visit to the University of Pristina. Their hospitality and enthusiasm made our educational outreach a truly memorable experience. It is through the collaboration and partnership with esteemed educators like Professor Reshidi that we can bridge the gap between industry and academia, inspiring the next generation of professionals. We look forward to future interactions and endeavors that will continue to enrich the educational landscape and empower students with valuable knowledge and insights.

IBAS: Embracing Pink for Breast Cancer Awareness

October is Breast Cancer Awareness Month, a time when communities worldwide unite to promote awareness and support for those affected by breast cancer. At IBAS, we’re proud to join this global cause.

Why Breast Cancer Awareness Matters:

Breast Cancer Awareness Month is significant for several reasons:

Early Detection: Encouraging early screenings and awareness saves lives by detecting breast cancer at a treatable stage.

Support: It’s a time to stand with those battling breast cancer and offer them the support and care they need.

Research: Raising awareness also means raising funds for research, leading to better treatments and, ultimately, a cure.

Join US!

You can make a difference too:

Educate Yourself: Learn about breast cancer and early detection methods.

Support Fundraising: Donate to breast cancer charities and participate in related events.

Spread Awareness: Share information with your friends and family.

Offer Support: Be there for those facing breast cancer, offering your help and understanding.

Together, we can make Breast Cancer Awareness Month a time of hope, support, and progress. Join IBAS in making a positive impact in the fight against breast cancer.

Strengthening Economic Partnerships: Luxembourg Ambassador’s Visit Sparks Collaboration and Future Opportunities

We are deeply honoured by the visit of His Excellency, Mr. Dietz, the Ambassador of Luxembourg, accompanied by several prominent businesses from Luxembourg. This visit, along with the insightful discussions we engaged in, holds significant promise for fostering robust partnerships.

During his visit, we had the privilege to extend our gratitude to Mr. Dietz on behalf of our group of companies for Luxembourg’s unwavering support across various sectors, with a particular emphasis on Vocational Education and Training (VET). The success stories of initiatives such as IBAS in the financial sector, PBC in information technology, and the exemplary performance of PBC Academy in VET education serve as tangible demonstrations of our commitment to fostering meaningful collaboration and value exchange in the Luxembourg market.

Furthermore, we are pleased to announce that we have agreed on follow-up meetings with the express purpose of translating our discussions into tangible business opportunities and mutual benefits for both countries. This commitment underscores our shared dedication to building enduring economic bridges between our two nations.

IBAS – Inovacione të njëpasnjëshme, e gjitha që duhet të dini

IBAS po vazhdon me rritje të vazhdueshme, duke i ofruar përdoruesve qasje shumë të lehtë në financat e tyre.

Përdoruesit, tashmë gëzojnë përfitime nga më të ndryshmet, mirëpo nëse nuk jeni akoma përdorues i IBAS, shkarkoni aplikacionin dhe eksploroni shërbimet të cilat bëjnë jetën tuaj të përditshme, më të lehtë.

Shkarko aplikacionin këtu:
App Store:
Play Store:

Këto janë ngjarjet më të fundit dhe shërbimet:

IBAS – Integrohet në SEPA (Single European Payment Area)

IBAS, themeluar jashtë Evropës dhe duke operuar jashtë saj, është institucioni i vetëm vendor në Ballkanin Perëndimor që integrohet në SEPA. Përmes këtij shërbimi, përdoruesit e IBAS mund të dërgojnë dhe pranojnë transferta ndërkombëtare brenda sekondave, me kosto shumë të ulët.

Individët: Tani të gjithë mërgimtarët që jetojë në vendet e Evropës, kanë mundësinë të dërgojnë para në Kosovë. Ky proces mundësohet nga bankat e juaja, duke zgjedhur transaksionin me SEPA, ju mund të dërgoni mjete në Kosovë për pak sekonda, me kosto shumë të ulët.

Bizneset: Përpos qytetarëve, kemi edhe bizneset të cilat operojnë në Kosovë dhe që importojnë mallra apo shërbime në vendet evropiane, që mund të përfitojnë nga ky shërbim dhe të bëjnë transferta ndërkombëtare të shpejta, me kosto të ulët, dhe të sigurta. Kostoja e transaksionit do të jetë vetëm 3 euro për çfarëdo shume.


Përmes këtij shërbimi që IBAS ofron, ju bleni produktet sot, ndërsa paguani pas një periudhe kohore. Duke avancuar llogarinë tuaj në aplikacion, ju do të keni qasje në këtë shërbim, që ju ofron fleksibilitet në pagesat tuaja. Ju mund të bleni produktet që dëshironi dhe të përfundoni pagesën për një periudhë kohore deri në 12 muaj.

Mirëpo më e rëndësishmja është fakti që ju nëse shlyeni borxhin tuaj brenda 3 muajve, ju asnjëherë nuk do të paguani interes.

Andaj, fillimisht avanco llogarinë, zgjedh pakon, dhe shfrytëzo shërbimin.

Paguaj faturat ONLINE dhe me ZERO TARIFË!

Brenda aplikacionit, tek butoni “Pagesat Perodike”, ju mund të shihni se cilat pagesa apo fatura mund t’i përfundoni online, dhe përpos që lehtësoni procesin që duhet përfunduar çdo muaj, ju i përfundoni ato me shumë pak klikime brenda aplikacionit.

Mirëpo nuk është vetëm kjo, ju mund të përfundoni pagesën e këtyre faturave ONLINE me ZERO TARIFË: Energjia Elektrike, Uji, Mbeturina, Gjobat, Tatimi në pronë, Universiteti i Prishtinës, Ndërmarrka Publike Banesore, Kujtesa.

Dhe në fund, IBAS iu rimburëson të gjitha faturat, cdo dy javë.


Zhvillimi i radhës në IBAS është edhe CASHBACK, që do të thotë që kur ju paguani përmes aplikacionit, në bizneset partnere të IBAS, ju fitoni BONUS 0.50% të shumës. Ju brenda aplikacionit mund të shihni të gjitha bizneset të cilat janë partner me IBAS, ashtu mund edhe të shihni ku mund të përfundoni pagesat.

Procesi pagesave është jashtëzakonisht i lehtë, ju përmes QR Code, i përfundoni pagesat tuaja dhe më pas fitoni BONUSIN.

IBAS – Avanco Llogarinë dhe zgjedh njërën nga PAKOT

IBAS ofron katërt (4) lloje të llogarive që përmbajnë shërbimin SEPA dhe shumë përfitime tjera, lexoni më poshtë:

Llogaria BAZIKE

  • Llogari bankare britaneze;
  • Mbushjen e kuletës suaj në IBAS përmes VISA ose Mastercard;
  • Pranimi ose dërgimin e të hollave në dhe nga mbi 5,000 banka të Zonës Evropiane, përmes SEPA.

Llogaria PLOT

  • Njëqind (100) euro pa interes për tre muaj, me qëllim të realizimit të pagesave tuaja;
  • Llogari bankare britaneze dhe një (1) transfer hyrës ose dalës, pa pagesë (FALAS);
  • Mbushjen e kuletës suaj në IBAS përmes VISA ose Mastercard;
  • Pranimin ose dërgimin e të hollave në dhe nga mbi 5,000 banka të Zonës Ekonomike Evropiane, përmes SEPA.

Llogaria INTEGRA

  • Dyqind (200) euro pa interes për tre muaj, me qëllim të realizimit të pagesave tuaja;
  • Llogari bankare britaneze dhe dy (2) transfere hyrës ose dalës, pa pagesë (FALAS);
  • Mbushje e kuletës suaj në IBAS përmes VISA ose Mastercard;
  • Pranimin ose dërgimin e të hollave në dhe nga mbi 5,000 banka të Zonës Ekonomike Evropiane, përmes SEPA.

Llogaria PREMIUM

  • Pesëqind (500) euro pa interes për tre muaj me qëllim të realizimit të pagesave tuaja;
  • Llogari banare britaneze dhe tre (3) transfere hyrës dhe dalës pa pagesë (FALAS);
  • Mbushje e kuletës suaj në IBAS përmes VISA ose Mastercard;
  • Pranimin ose dërgimin e të hollave në dhe nga mbi 5,000 banka të Zonës Ekonomike Evropiane përmes SEPA.

Këto janë vetëm disa nga inovacionet që kemi ofruar gjatë këtij viti për përdoruesit tanë, kemi akoma dhe më shumë, andaj rrini të kyçur për më shumë informata dhe na ndiqni edhe në Rrjetet Sociale:


Commercial receipts, their types, advantages and disadvantages

What are commercial receipts?
A commercial paper is a short-term, unsecured debt instrument issued by businesses. It is usually used to finance short-term obligations such as wages, accounts payable, and inventory or goods for sale (Baklanova, et al., 2020).

The commercial receipt specifies an amount of money that must be returned by a certain date (maturity). The minimum value of commercial receipts is usually $100,000, while maturity or repayment terms range from 1 to 270 days (Baklanova, et al., 2020). On average, the turnaround time is 30 days (Hayes, 2022).

How do commercial receipts work?
The commercial paper was first introduced about 150 years ago, when New York merchants began selling their short-term obligations to brokers in order to have sufficient capital to cover short-term obligations.

Selling agents, or brokers, buy the paper (also known as a bill of exchange) at a discount from face value, otherwise known as the “Par” value. They then sold the paper to banks and other investors. Traders paid investors an amount equal to the face value. For example, they would take a commercial receipt for a few percent less and sell it for the value described on the receipt.

A commercial paper is not backed by any form of collateral, making it unsecured debt. It differs from asset-backed commercial paper, a class of debt instruments secured by assets chosen by the issuer (Hayes, 2022). However, it remains at the discretion of the parties to the transaction how they wish to handle and secure their contractual relationship.

In any case, commercial receipts are issued only by companies with high ratings from credit rating agencies (Hayes, 2022). These companies can find buyers easily, without having to offer a significant discount for issuing debt. Buyers of commercial receipts are usually other corporations, financial institutions and wealthy individuals (Baklanova, et al., 2020).

Types of commercial receipts
There are four types of commercial receipts: bills, drafts, checks, and certificates of deposit (CDs) (Hayes, 2022).

Bills of exchange
Promissory notes are debt instruments written by one party to another, promising to pay a specified amount of money by a specified date. Bills of exchange are a common way of issuing commercial receipts.

A draft is a written agreement between three parties: a bank, a payee and a payee. The bank instructs the issuer of the commercial receipt to pay the lender (payee) a specified amount of money at a specified time. A draft is a written agreement between three parties: a bank, a payee, and a payee. The bank instructs the issuer of the commercial receipt to pay the lender (beneficiary) a specified amount of money at a specified time.

Checks are paid at the bank’s request, not by time. They are the fastest way to issue commercial receipts. For this type of commercial receipt, the issuing company instructs the bank to give the recipient a certain amount of money at a certain point in time.

Certificates of deposits
Certificates of deposit are monetary documents through which the bank claims to have received a sum of money deposited by an investor. The bank agrees to return this money as well as interest at a certain time in the future. The certificate specifies the interest rate and maturity date.

Advantages of commercial receipts
The main advantage of commercial paper is that they do not need to be registered with the Securities Exchange Commission (SEC), as long as the maturity does not exceed 270 days. This makes them a simple means of financing. Although maturities can take up to 270 days before entering the SEC’s jurisdiction, commercial paper maturities average about 30 days (Hayes, 2022).

The trade receipt is also easier to handle, compared to the effort, time and money involved in getting a business loan. It offers issuers the advantage of lower interest rates, while offering investors a low risk of default. Trading receipts provide an effective way of portfolio diversification.

Shortcomings of commercial receipts
Companies must have extremely good credit (credit) to issue commercial receipts. So, not all businesses have the option of issuing them. Furthermore, the proceeds from this type of financing can only be used for current assets or inventories. They are not allowed to be used for fixed assets without the involvement of the SEC (Hayes, 2022).

Low interest rates for issuers mean low rates of return for investors. Also, due to their considerable value, receipts tr

equity is not readily available to smaller investors. However, they can invest indirectly through companies that buy commercial paper.

Commercial receipts versus bonds
Both are debt instruments. However, there are important differences between them. Commercial receipts have a maturity of one to 270 days, while bonds have a maturity of one to 30 years (CFI Team, 2022)

The commercial receipt has no periodic payments. Everything is paid in one payment at maturity (Hayes, 2022), whereas bonds pay interest at regular intervals (Parker, 2022).

An example of a commercial receipt
Assume that a construction company is looking for short-term funds to finance the supply of construction material. The company needs 100,000 euros. It offers investors commercial receipts with a nominal value of 105,000 euros. When the commercial paper matures, investors receive an interest payment of €5,000 along with the €100,000 they lent. This is equivalent to an interest rate of 5%. This interest rate can be adjusted in relation to time, depending on the number of days for which the commercial receipt is unpaid (Outstanding).

Is a trade receipt a type of debt?
Yes. Commercial paper is short-term and (un)secured debt issued by institutions that want to raise the necessary capital for a short period of time. It is an alternative to taking out a business loan.

Who are the main buyers of commercial receipts?
Due to the considerable amount of emissions, the main buyers of commercial receipts are large institutions. According to the SEC, these institutions include: investment companies, retirement savings funds (Retirement accounts), state and local governments, financial and non-financial institutions (Baklanova, et al., 2020). Individuals can also be purchasers of commercial receipts.

How do individuals invest in commercial paper?
Since the minimum investment amount is usually not small, the best way to invest in commercial paper for investors with smaller amounts is to put money in companies that buy commercial paper. This includes money market funds, mutual funds and “Exchange-traded funds” (Hayes, 2022).

Commercial paper is unsecured debt with a short maturity (up to 270 days), issued by companies with a high credit rating. It offers a more profitable opportunity to raise funds to pay short-term expenses, compared to taking a business loan.

Commercial paper can also be more profitable for issuers because of the low interest rate and quick maturity. Although this rate is not always as attractive to investors, it can have a higher return than that offered by some bonds (eg Treasury Bills) (Hayes, 2022). Also, it is an investment option that can help diversify the portfolio.

Commercial paper can be seen as a low-risk investment, due to the high credit rating of the issuers. However, it should be borne in mind that like any other investment, it also involves a degree of risk (Hayes, 2022).

Securities and their financial importance

Securities are exchangeable and tradable financial instruments used to raise capital in public and private markets. Commercial companies or companies as they are known in the jargon use financial instruments for raising capital for investment purposes.

According to Kosovo legislation, there are three types of securities: shares, which provide the holders with ownership rights in the trading company, bonds or borrowing and bonds convertible into shares. The sale and purchase of securities can be done according to a public or private process.

What are shares and why are they issued?
Shares are financial instruments that represent ownership of a portion of the corporation or company that issued or sold them. They provide the owner with a proportional participation in all the company’s property, which is determined by the number of shares he bought out of the total number of shares sold, throughout the period.

Corporations or companies issue or sell shares to raise capital so that they can then invest in new products or services or expand their business.

There are two main types of shares: common or common and preferred or privileged. The rights and benefits of shareholders are determined depending on the type of shares he owns and the company’s charter. Preferred shares are usually issued, which have priority in dividends compared to ordinary shares. Newly established companies or as they are otherwise known as start-ups have the right to issue or sell shares. For all types of companies, the evaluation of the companies is done before the issue, respectively before the sale and purchase of shares.

What are the advantages and risks of investing in stocks?
The advantages of investing in shares are that the investor does not need to deal with early and laborious processes of establishing the company, especially when the risk of failure is greater. Another advantage is that the shareholder of a company does not necessarily have to work in the company in which he has invested. He can be a shareholder, not work even a day in the company he invested in, but enjoy the net annual profit in proportion to the amount of shares he holds. Otherwise, these incomes are also known as passive incomes. In addition to income from dividends or the annual profit of the company, the owner of the shares also enjoys income at the time of their sale. An investor who has funds and invests them in a business can earn more than a traditional deposit. In addition to the opportunities for making profits, if the business in which the shareholder has invested, if the business does not turn out to be successful, the business may not generate profits or may even create financial losses. In such cases the investments may be lost or the value of the shares may fall.

From the point of view of the issuer or seller of shares, the advantage of issuing them is that the money does not need to be returned, as in the case of obtaining loans or other loans. The stock seller exchanges a portion of his ownership for the amount of money he receives in the name of the stock. All this, according to the value of the business it holds. But, on the other hand, it is very important that the business adheres to the investment plan in order not to expose itself to the risks of business failure, in which case all shareholders will suffer. This is where investment advice and supervision, usually provided by an investment advisor, plays a very important role.

What are bonds (borrowing) or bonds and why do companies issue bonds?
Issuing bonds is one way companies can raise capital. A bond (debt) works like a loan between an investor and a company. The investor (which can be an individual or a business) agrees to give the company a certain amount of money for a certain period of time. In return, the investor receives periodic interest payments. When the bond reaches its maturity date, the company repays the principal or original debt amount. The investor can request a guarantee from the borrower as much as he or an independent appraiser deems equivalent to the property he invests and keep it until the day of return, or sell it in case of non-return of the debt. An investor who has funds and lends them to a business in exchange for a valid guarantee pre-supposed to earn more than it earns from traditional deposits.

What are the advantages of bonds versus other methods of raising capital?
In most cases, borrowing from a bank is the first thought for those who need money. The question arises: “Why would a company issue bonds (securities loans) instead of taking a loan from a bank?”

Issuing bonds is often more profitable than borrowing from banks because the interest rate companies pay to bond investors

eve is usually lower than the interest rate offered by banks and the possibility of returning the principal (principal) at maturity enables the funds to be kept in circulation throughout the period. Companies can continue to issue new bonds as long as they can find willing investors, without affecting the company’s ownership or how it operates. This makes bonds more favorable than stocks.

What are Bonds convertible into shares and what are their advantages?
These bonds start out the same as other bonds, but offer investors the option of converting the bond into a predetermined number of shares.

Conversion from bond to stock can be done at certain times during the life of the bond and is usually at the discretion of the bondholder.

Convertible bonds are a flexible financing option for companies. Companies benefit, as they can issue bonds at lower interest rates than traditional bond offerings. In turn, such conversions enable investors to benefit from rising stock prices.

You can apply for the issue of shares or bonds by visiting

As soon as you log in, the “Increase capital with shares or bonds” window appears. Click “Apply”, then fill in the required fields. After filling in your details, click “Apply” again.


IBAS closes the round of selling shares – 11,540 shares are bought

In less than two months since IBAS, for the first time in Kosovo, opened the public call for the purchase of shares, it managed to sell 11,540 preference shares out of 8,000 issued or 144.25% of the target. Translated into financial values, it captures the amount of 577,000 euros. The high demand for the purchase of shares in IBAS proved once again that the IBAS era has already arrived.

Today, IBAS closes the round of fundraising through the sale of preferred shares, thus closing another success, one of many to come.

The personnel of IBAS thanks all the shareholders and assures them that this investment will accelerate the implementation of the vision and the increase of competitiveness in the market. He also thanks those who expressed interest, but who failed to buy the shares because they could not provide the documentation required by the regulator (Central Bank of Kosovo) within a reasonable period of time.

Seeing the great interest of the citizens, IBAS assures the general public that there will be other opportunities in the near future to join the IBAS era and the next innovations that are coming.

We recall that the international experts of “Merge & Acquisitions” based in Brussels have assessed the financial institution IBAS with 25.6 million euros. Find out more about IBAS at

Why is investing in IBAS the right thing to do?

IBAS (Innovative Banking and Attractive Solutions) as a financial institution has already proven its success. For less than 2 years of operation, IBAS alone has digitized about 1,800 payment points, in addition to less than 7,000 in all of Kosovo, digitized by the entire banking sector, together. This process will continue until the full digitization of the payment market. For about a year since the launch of loans for payments, IBAS has received and examined close to 3,000 applications and has financed a significant number of them. It has been valued at 25.6 million euros by international “Merge & Acquisitions” experts based in Brussels, and has clear goals and a well-founded business plan to quintuple this value within the next 3-5 years. Finally, it is developing the technology that enables the realization of digital payments without a card, without a smartphone, without a smart watch, without biometric signs and without funds, if this is necessary, and for this, it has submitted an international patent application in London.

What is IBAS?

IBAS is a financial institution licensed by the Central Bank of Kosovo for the issuance of electronic money and lending for payments. Such institutions, around the world, are also known as Digital Banks (English Digital Bank) or Neobanks, which mean the provision of significant banking services, through online technology and not through physical offices or traditional branches.

IBAS today and tomorrow?

IBAS today offers the service of digital payments between the payer and the payee. As an effective and efficient alternative to payments through bank cards and traditional POS, IBAS has developed the latest technology that enables the smartphone to play the role of the card, while the QR code, placed on a paper, on a smartphone, or on a computer to play the role of POS. For payment receivers who are not IBAS customers, they can accept payments in any bank account, local or international. For those in need, IBAS offers loans for payments up to 100,000 euros, with a record review period and treatment flexibility.

Tomorrow, IBAS will offer the service of HCE or Google Pay and Apple Pay that enables the connection of any Mastercard and Visa card with your phone in order to make the payment in any store in the world. In addition, it will also offer international bank accounts (IBAN) (of the United Kingdom or the European Union), offering its customers all the privileges and benefits of such accounts, including accepting payments from PayPal and similar platforms and transferring money or remittances, such as within the EU and the UK.

Where does IBAS operate?

Currently IBAS operates in the Republic of Kosovo and within 3-5 years will start operating in Albania, North Macedonia, Montenegro and Bosnia.

What do I earn if I invest in IBAS?

From the first day of your capital increase approval from the Central Bank of Kosovo from your investment, you are entitled to dividends from the day you acquire shareholder status. Of course, as with any other business, annual performance depends on many factors that affect annual profits/losses. However, IBAS has developed highly effective methodologies for managing such fluctuations. On the other hand, in addition to the profits from the dividend, you are also expected to earn with the increase in the financial value of IBAS.

How and when can I invest in IBAS?

In accordance with Article 10 of the IBAS charter approved by the Central Bank and the Business Registration Agency at the Ministry of Industry, Enterprise and Trade, and the Law on Commercial Companies, IBAS has issued 8,000 series A preferential shares in the monetary amount of 400,000 Euros. . The price per share is 50.00 euros.

You can buy these shares, or part of them, by visiting and following the instructions on this path:

The minimum investment amount is 5,000 euros.

After applying for the purchase of shares and sending the documents, you will be invited for further discussions with the management of IBAS, the contract will be signed and then the relevant documentation will be forwarded to the Central Bank of Kosovo for review and approval. This period can last up to 3 months.


No issued shares will be transferred under the ownership of the buyer if the same is ineligible, according to the legislation in force of the Central Bank of Kosovo, or has a criminal past or is suspected of having a criminal past and if the same fails to document the origin of legal money, according to the request of the Central Bank of Kosovo and has not completed the full payment of the shares.

If you need support or other information, direct your request to and you will receive an answer within a day.

Can I sell my shares in IBAS?

Yes, each holder of preferential shares can sell the shares to IBAS sh.a. or resell them to any party that qualifies as appropriate, according to applicable legislation. This was preceded by the notification to IBAS, for a period not less than three (3) months, in order to evaluate the price of the shares and develop the sale procedures. The sale of shares by the shareholder will only occur if the parties agree on the market price. Otherwise, the shares remain owned by the holder of the preferred shares. The re-initiation of the sales process can only happen 3 (three) months after the preliminary initiation.

Success stories for institutions like IBAS

In recent years, the digitalization of the financial industry, especially the banking sector, has taken a very dynamic leap and has successfully managed to create a new era. All this with the aim of eliminating barriers in this industry and maintaining and increasing the benefits of physical and legal citizens. In the wake of this, the European Union has issued various legal norms, one of the most important of which is PSD (Payment Service Directive) 2, which,among other things, it defines the security conditions and obligates the electronic interconnection of financial institutions among themselves, in order to provide PIS (Payment Initiation Service) and AIS (Account Information Service), functions that enable customers of a financial institution to perform transactions with another institution’s technology. Most countries that are not part of the European Union have enacted similar laws and/or regulations to create a legal environment similar to that of PSD2. From this legal and technological spirit and from the attractiveness of the industry, many institutions have been developed, and some of the most popular are: Monzo, which operates in England and is valued at 4.5 billion dollars; Starling, which operates in England and is valued at $3.4 billion; N26, which operates in the European Union and is valued at $9 billion; Revolut, which operates in the European Union and England and is valued at 33 billion; Swish payment based in Sweden and Viva wallet based in Greece, which after a gradual investment of 900 million with a coefficient of 9 has sold 49% to JP Morgan. We remind you that none of these institutions, despite the capacities they have, enable the realization of digital payments without a card, without a smart phone, without a smart watch, without biometric signs, as IBAS will do.

Thank you for choosing IBAS for your banking needs!

We're thrilled to welcome you on board. In compliance with regulatory requirements, we kindly request you to download our app and commence the KYC/KYB process, which is a legal prerequisite for opening a banking account.

The process is straightforward and comes with the necessary guidance.

Experience Innovative Banking and Attractive Solutions (IBAS) to the fullest!

Choose the store for downloading the application.

Dear applicant,

We are happy to inform you that you applied successfully. Our team will contact you soon and will let you know for the next steps.

We regret to inform you that your application was not successful. This outcome could be attributed to technical issues or internet interruptions. We encourage you to consider reapplying at a later time.