At a glance

IBAS was born in 2019, brought to life by a passionate group of visionaries determined to revolutionize the financial landscape, worldwide, startingfrom Kosovo. With unwavering ambition and dedication, we obtained a license from the Central Bank, establishing ourselves as a premier electronic money issuer and credit provider for payments. Later on we expanded our license with Investment Adviser for buying oe selling shares, bonds and convertible bonds.

From the very beginning, IBAS has been a pioneer in cutting-edge technology, trailblazing disruptive innovations that redefine payment transfers, money transfers, and credit services. Our relentless pursuit of innovation and excellence culminated in a resounding victory at the esteemed ICT Awards in 2021 for innovation, where we proudly claimed the top prize.

At IBAS, we firmly believe in shaping a brighter future for finance, where accessibility, convenience, and efficiency know no bounds.

Mission and Vision

Mission Our mission is to provide simplified services while expanding the benefits.
Vision We strive to be the leading provider of innovative financial instruments for payments, money transfers, and credit services.
Some of the core values Integrity, sincerity, accountability, passion, modesty, diversity, quality, simplicity, and social responsibility.

People and Culture

At IBAS, we firmly believe that our accomplishments are the product of two essential components: our exceptional individuals and our unique culture. We are steadfast in our conviction that outstanding talents, flourishing within an environment of inspiration, are poised to generate the most extraordinary outcomes.

If you envision yourself as someone who can contribute valuable insights to our organization, we welcome you to take the next step. Feel free to send us your CV and a motivational letter to [email protected]. Your aspirations aligning with our vision could be the catalyst for an incredible journey together.

Meet our staff


Board member

Management Team

Gazmend Selmani

Founder and Architect of the solution

Verona Selmani

Chairperson of the Board

Rizvan Rexhaj

Board Member and Chair of the Risk and Audit Committee

Muhamet Hajdari

Chief Executive Officer

Ylli Qarkaxhiu

Chief Technology Officer

Përparim Zejnullahu

Team Leader

Vigan Sadiku

Chief Financial Officer

Albana Meqa

Deputy Chief Financial and Operations Officer

Sherife Kçiku–Vishaj

Director of Public Relations and Marketing

Ilir Demolli

Sales Director

Ilir Berisha

Director of the Legal Department

Myrvete Haxholli

Sales and Development Specialist

Arbri Gashi

Sales Specialist

Fëllënza Smakolli

NVM Sales Representative

Dren Gjakova

Sales Representative for the Dukagjini region

Riad Rexhepaj

Sales Representative for the city of Gjilan

Alma Selmani

Risk Officer

Safet Deliu

Data Protection Officer

Aurora Selimi

Customer Service

Diversity & Inclusion

At IBAS, we celebrate the richness that diversity brings to our team, culture, and collective capabilities. We firmly believe that a vibrant tapestry of backgrounds, experiences, and perspectives fuels innovation and drives us towards greater success.

Our commitment to inclusion extends beyond mere words. We actively cultivate an environment where every individual feels valued, respected, and empowered to contribute their unique talents. By fostering an atmosphere of open dialogue and mutual understanding, we create opportunities for collaboration that transcend boundaries.

We embrace diversity as a wellspring of creativity, enabling us to approach challenges from different angles and develop solutions that resonate with a global audience. This commitment is reflected not only in our workforce but also in our practices, policies, and the way we engage with partners and clients.

Join us on our journey of embracing diversity and inclusion as fundamental cornerstones of our identity. Together, we're shaping a brighter future that acknowledges and cherishes the mosaic of humanity.

Code of Conduct

At IBAS, we uphold the highest standards of ethics, integrity, and professionalism. Our Code of Conduct serves as a compass, guiding our actions and interactions to ensure a harmonious and respectful environment for all.
Integrity and Honesty: We act with honesty, transparency, and sincerity in all our dealings. We do not compromise on the truth, and we honor our commitments.
Respect: We treat every individual with respect and dignity, regardless of their background, position, or perspective. We foster an inclusive atmosphere where diverse voices are valued and heard.
Accountability: We take responsibility for our actions and decisions. We learn from our mistakes and work collectively to find solutions.
Confidentiality: We safeguard sensitive information and respect the confidentiality of our clients, partners, and colleagues.
Collaboration: We embrace teamwork and collaboration, recognizing that our combined efforts lead to greater achievements.
Professionalism: We conduct ourselves professionally, adhering to high standards of behavior in both our virtual and physical interactions.
Anti-Discrimination: We reject discrimination in any form, including but not limited to race, gender, religion, age, disability, or sexual orientation.
Ethical Business Practices: We conduct business fairly, ethically, and in accordance with all applicable laws and regulations.
Conflict of Interest: We identify and address conflicts of interest to ensure that our decisions are objective and in the best interest of our organization.
Safety and Well-being: We prioritize the safety and well-being of our employees, clients, partners, and communities, both physically and mentally.
Environmental Responsibility: We strive to minimize our environmental impact and contribute positively to sustainability efforts.
Breaching our Code of Conduct can have serious consequences. We encourage all members of the IBAS community to familiarize themselves with these principles and uphold them in every aspect of their work. By adhering to these standards, we collectively create a culture of trust, excellence, and integrity.

ESG Commitment

At IBAS, we firmly believe that our role extends beyond traditional business objectives. Our commitment to Environmental, Social, and Governance (ESG) principles underscores our dedication to creating a positive impact on the world around us. We recognize that a holistic approach, encompassing environmental sustainability, social responsibility, and ethical governance, is crucial for a brighter future.
Environmental Stewardship As custodians of the environment, we are deeply committed to reducing our ecological footprint. We embrace sustainable practices that promote energy efficiency, waste reduction, and responsible resource consumption. By continually seeking innovative solutions, such as green technologies and eco-friendly processes, we strive to mitigate our impact on the planet and contribute to the global effort of combating climate change.
Social Responsibility Our commitment to society is driven by empathy and the understanding that progress is intertwined with the well-being of communities. We actively engage in initiatives that foster education, healthcare access, and social empowerment. By collaborating with local organizations, supporting employee volunteerism, and investing in community development, we aim to create a positive ripple effect that resonates far beyond our organization.
Governance Excellence Ethical governance is the cornerstone of our operations. We maintain a rigorous framework that emphasizes transparency, accountability, and fairness. Our governance practices ensure that decisions are made with integrity, aligning with the interests of all stakeholders – from shareholders and clients to employees and partners. By upholding the highest standards of corporate governance, we build trust and strengthen our long-term relationships.
Innovation for Positive Impact Innovation is at the heart of our ESG commitment. We leverage our creativity and expertise to develop solutions that tackle pressing societal and environmental challenges. By integrating ESG considerations into our core strategies, we unlock opportunities to create meaningful value. Whether it's investing in renewable energy, developing socially conscious products, or spearheading community-centered projects, our goal is to drive positive change through innovation.
Reporting and Progress We understand that accountability is paramount to meaningful ESG efforts. That's why we're dedicated to transparently reporting on our ESG initiatives, progress, and goals. By tracking our advancements, identifying areas for improvement, and communicating openly with our stakeholders, we hold ourselves accountable to the promises we make and the impact we seek to achieve.
Our ESG commitment is more than a corporate responsibility; it's a moral imperative. By weaving ESG principles into the fabric of our organization, we aspire to be a force for good, shaping a world that is sustainable, inclusive, and ethically driven. Together, we're forging a path towards a future where prosperity is shared by all and our legacy is defined by positive change.

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.