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…

De-dollarization is a “significant reduction in the use of dollars in world trade and financial transactions, [as well as] decreasing national, institutional and corporate demand” for United States dollars. (Goldman Sachs 2023; Li Yuefen 2024) De-dollarization has been a persistent theme since the…