Application Countdown — Cashback Albania

Deadline: Tuesday, March 31, 2026

Call published: February 17, 2026 · Window: 30 working days · 12 working days remaining as of March 15

Source: Albania Tech announcement + regulation Art. 19 (10-30 working day window)

Timeline

Target: all deliverables done by March 25 so there's a full week to assemble, review, and submit the e-Albania application.

Owner Breakdown

Risk matrix — half day
5-6 risks with probability, impact, mitigation. Already discussed in the cost analysis: single developer, banking integration, regulatory, market adoption, tech stack dependency.
Team section in business plan — few hours
Who we are, what each person does, why this team executes. Needs input from co-founders for their narratives.
Competitive analysis support — few hours
Research to confirm no fiskalizimi-based cashback exists in Albania. Frame the "first mover" pitch.

Their CVs — low effort, no excuse
Committee scores the whole team (10 pts). Polished CVs showing relevant experience. Non-negotiable.
Revenue model — medium effort
X merchants × Y% fee × Z receipts/month = revenue. 3-year projections. Finance guy's core responsibility.
Budget restructure — medium effort
Map the cost analysis to grant categories with justifications per line item (value, timeline, budget). Caps are negotiable but must be argued.
Market sizing — medium effort
How many businesses use fiskalizimi? Daily receipt volume? Smartphone penetration? Sources: INSTAT, tax authority reports.

All Action Items — Effort & Defensibility

What's Defensible vs. What's Arbitrary

Item	Owner	Effort	Scoring Impact	Status
Co-founder CVs	Connections Finance	Low	10 pts — Team credentials	Blocked on co-founders
Risk matrix	Dev	Low half day	10 pts — Tech risk & implementation	Not started
Team section in doc	Dev	Low few hours	10 pts — Team credentials	Not started
Revenue model	Finance	Medium	10 pts — Revenue potential	Blocked on finance
Budget restructure	Finance	Medium	10 pts — Fund usage & appropriateness	Blocked on finance
Competitive analysis	Connections Dev	Low	10 pts — Market need	Not started
Market sizing	Connections	Medium	10 pts — Market need	Blocked on connections

Risk matrix — risks come directly from the cost analysis. Single developer, banking dependency, regulatory unknowns, market adoption. Already analyzed, just needs structuring.
Team section — dev CV is ready, just need co-founder narratives. Factual, easy to write.
Competitive analysis — verifiable claim. Either someone else does fiskalizimi cashback or nobody does. A few hours of research confirms it.
Budget — the cost analysis exists. Restructuring into grant categories is formatting work, not guesswork. Use $20/hr Albanian rate, Albanian hardware prices.

Revenue model — requires actual merchant fee research, receipt volume data, realistic conversion rates. Finance guy must own this. Guessing numbers will hurt at evaluation.
Market sizing — needs INSTAT data, tax authority numbers, smartphone stats. Can't make up "100K businesses use fiskalizimi" without a source. Committee will check.
Co-founder CVs — only they can write them. No substitute.

Blockers: What Dev Cannot Do Alone

4 of the 7 action items are blocked on co-founders. The meeting must result in hard deadlines for each:

If these aren't delivered on time, the application either goes in weak (losing 20-30 points) or doesn't go in at all.

Updated March 15, 2026 · Deadline calculated from Feb 17 publication + 30 working days per regulation Art. 19