The Journal of Accounting and Management, Vol 8, No 3 (2018)

Model SAAS on International Payment Organizations

Kastriot Dermaku, Burim Kabashi, Arsim Dragaj


Today's use of information technology is vast and involves almost every sphere of life. For this reason, the digitization of many common services is inevitable, including an important part such as card payment services, digitized banking industry. The first step in this regard is the process of data evaluation using analytical and logical reasoning to examine each component of the data provided. This form of analysis is only one of the many steps to be completed when conducting a research analysis. Gathering data from different sources, revised, and then analyzed to form a finding or a conclusion. There are a variety of data analysis methods, some of which include data mining, textual analysis, business intelligence, and visualization of data. Data Analysis is a process of inspection, purification, transformation, and data modeling with the purpose of discovering useful information, suggesting conclusions, and supporting decision-making. Data analysis has multiple aspects and approaches, including various techniques under a variety of names, in various businesses, science, and the field of social sciences.

This paper deals with: 

  1. Analyzing and investigating data with the main purpose of recognizing the environment where card transactions are processed, leading players from history to innovations in this industry. This research paper provides a brief summary of a bank card payment technology industry that has historically been always closed to the public with a view to maintaining control, global market domination and data retention of confusing.The document addresses separately the SaaS model of services, innovations in financial technology and the concept of Digital Banking.
  2. Another main goal of this research is the introduction of payment systems in Kosovo, and research that through which technological investments can increase card payments in Kosovo.


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