Cybercrimes have increased a lot in the international arena and to date there is no international institution to take actions on the increasing number of cybercrimes. However, this concern exists for all countries in the world that face cyberattacks on a daily basis. This is a new phenomenon for all…

Over the past few decades, there has been a shift of people from using traditional payment methods to digital methods, thus creating innovation in the payment system. Nowadays, the market is determined to bring a different culture to Albania. The purpose of this study, which is based on the use of c…