Kalpana Bisen Paper On Dress Code

E-BANKING AND CONSUMER PROTECTION
LAW OF TORTS, MV ACCIDENT AND CONSUMER PROTECTION

LAWS (CLAW 2004)
SUBMITTED BY: KALPANA BISEN
BA-LLB(A)
PROV/BA-LLB/7-22/145
2022-2027
SUBMITTED TO: PROF. SHUBHI TRIVEDI MAM
ALLIANCE SCHOOL OF LAW
ALLIANCE UNIVERRSITY, BENGALURU
DATE OF SUBMISSION: 25TH OF FEBRUARY 2023

TABLE OF CONTENTS
1. ABSTRACT………………………………………………………
2. INTRODUCTION…………………………………………………
3. SCOPE AND LIMITATION………………………………………
4. OBJECTIVE OF THE STUDY……………………………………
5. E-BANKING: AN ENGINE OF E-COMMERCE

ECONOMY……………………………………………………….
6. IMPACTS OF THE E-BANKING………………………………...
7. LEGAL ANALYSIS………………………………………………
8. CASE ANALYSIS…………………………………………………
9. CONCLUSIONS……………………………………………………
10. REFERENCES………………………………………………………
1. ABSTRACT
The Digital Age has introduced in a new era of commerce and digital branding, and also with
this new set of customer expectations. For helping and to address the new challenges faced by
consumers because of the digital age, the Indian Parliament had passed the landmark
Consumer Protection Bill, 2019. The aim of which is to provide timely and effective
administration and settlement of disputes which are related to the consumers. This Consumer
Protection Act, 2019 is a law for the protection of the interests of the consumers. The basic
aim of this act is to save the rights of the consumers by establishing authorities for effective
and timely administration and also the settlement of the consumers’ disputes.
In the last decade India has seen one of the most important events of the human
history – Web Revolution. The continuously increase in the use of the Internet, e-business or
e-commerce or mobile commerce has totally changed the way of doing business in almost all
the organisations. Financial institutions especially the banking sector is currently in very
transition phase. Banks are as the engine that helps in the operations in financial sector,
which is vital for the economy of any country. Banking industry in India has undergone
changes under the ‘Web Revolution’. In this modern computer world, all the activities in
banking sector industry have started taking place through computers and other electronic
mediums. Also the banks has put them in the World Wide Web (WWW) for taking the
benefit of the internet’s power and also reach, to cope with accelerating pace od changes of
business environment. Electronic Banking is popularly known as ‘ PC banking’, ‘Online
banking’, ‘Internet banking’, ‘Telephone banking’ or ‘Mobile banking’. E-Banking can be
understood as the term that means all the works which are financially related and which are
going to be done in banks are supposed to be done electronically with the help of internet
services. With the help of this research paper, it is tried to tell that on the one hand this
electronically banking had made the life of the people very that it became very easy to work
from anywhere at any time but also on the other hand there are so many threats because of
this online banking also online frauds are also on its peak. It is also mentioned in this paper
that what are the rights and laws made for the consumers for the problems related to E-
Banking.1
1
Kaur, D.G. (2017) Threats to the rights of consumers in E-Banking in India: An overview,
SSRN. Available at: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2983199
(Accessed: February 24, 2023).
2.INTRODUCTION
“Our age of anxiety is, in great part, the result of trying to do today’s job with
yesterday’s tools- with yesterday’s concepts” – M. Mcluhan
E-Banking may lead to a revolution in the banking industry. Banks have responded to this
challenge by diversifying through modernising the current system and information technology.
ELECTRONIC BANKING E-banking means the use of technology at any place and also at
any time electronically without wasting time by standing in rows for long time in banks.
Customers can access banking services like transfer of funds, paying of bills, viewing or
checking the account details and getting the information and devices etc. 2 After China and the
United States, India has the third-largest internet user population in the world, and it offers the
internet industry unequalled growth potential in the years to come. The internet revolution has
benefitted the banking industry greatly, and the development of banking technology products
has been dramatically rising. People can pay for services while at home and without going to
the branch because of the Internet banking, which is its main benefit. Customers benefit from
saving time and effort by completing transactions in a short amount of time. The internet
banking system demonstrates its great flexibility in carrying out tasks like checking your
balance, withdrawing money, depositing money, viewing your bank statement, and keeping
2 Siddiq, Abobkar (no date) (PDF) e-banking and Consumer Protection - researchgate.net.
Available at: https://www.researchgate.net/publication/321973136_E-
banking_and_consumer_protection (Accessed: February 24, 2023).
3 V Vimla (2015) an evaluation study on internet banking security among selected Indian
bank customers, amity journal of management research.
4 Marilena Vrincianu and Liana Anica Popa (no date) Considerations regarding the security
and protection of E ... - core. Available at: https://core.ac.uk/download/pdf/6492899.pdf
track of recent transactions. Despite of all the benefits, all the bank’s top priority is to protect
the financial information of their customers.3
Electronic banking platforms have been used for many years as an ever-more-
effective means of carrying out banking transactions without any problem. Because these e-
banking platforms are Web-based applications that are accessible via the Internet, their users
are an extremely inviting target for individuals with bad intentions. The need to eliminate the
effects of the rapidly expanding cyber-crimes presents a significant challenge for e-banking
and calls for additional innovative approaches. If issues are not properly addressed, security-
related risks could cause banks to lose the benefits pf Internet banking. Identity theft is one of
the risks, and it can happen through unorthodox means such as phishing, pharming, spoofing,
keylogging, screen logging. Trojan horses, other malicious codes, or transaction poisoning.4 E-
banking has made life of the costumers easier to work from any place and at any time but also
with this as we all know that if there are pros of something then cons are also there. E-banking
has made life of the costumers easier but cybercrimes and frauds are also increasing.
3.SCOPE AND LIMITATION
The scope and limitation of this research paper is limited to focus on the study about E-Banking
like its advantages and disadvantages and for this what are the rights and laws made for the
consumers. The study covers the problems which are faced by the more usage of e-banking
and laws to come out from these frauds and cyber-crimes.
4.OBJECTINE OF THE STUDY
The aim of the study includes:

1. To understand the services of the e-banking and also the problems faced by consumers
due to e-banking.
2. To understand the legal provisions and measures made by government for the
consumers for the crimes and frauds which are coming out as the result of more use of
e-banking.
5. E-BANKING: AN ENGINE OF E-COMMERCE ECONOMY
Banking industry is one of the oldest in the world which plays vital role for the economy of
any country. There have been three ages of payment: 1) Notes and Coins 2) Paper payments
and 3) Electronic payments. As the time has passed and new technology has taken place it has
made life of the people easier to work from anywhere at any time by sitting in one corner of
country person can do his or her work at another corner of the country, because of this new
technology it is become easier for consumers to do their bank related works from any place
either it is checking account details or transferring or receiving money. But there are so many
negative impacts also like as all works are now suppose to be done with the help of mobile
phones or computers which is connected with internet, so criminals and thieves has also got
new ways to do their work like cybercrimes and frauds has increased in a very huge quantity.
By clicking on any link or just sharing one OTP costumers all money or details are getting
transferred to any unknown source or person. By taking the name of banks and showing false
identity as consumer problem listener fraudsters are now able to take all details and money,
because of the new technology first e-banking has made life of the people easier also to save
time but in other side crimes, frauds and online theft are increasing a large amount. The
technology in the banking sector has been used in the four ways:
1. To handle a greatly expanded consumer base.
2. To reduce substantially the real cost of handling payments
3. To liberate the banks from the traditional constraints of time and place.
4. To introduce new products and services.5
There are three functional kinds of the e-banking which are currently employed in the market
places and they are:
1. Informational Websites
2. Communicative Websites
3. Advanced Transactional Websites
1.Informational Websites: These are known as the first level of the e-banking. With the help
of this services bank provides marketing information regarding banking products and services
on a independent server and also it has very less risk because there is no connection of bank
and server.
2.Communicative Websites: In this there is very less chance of the communication between
the banking system and the e-banking users because this communication is only limited to e-
mail, account balance inquiry or loan application etc. also this system does not have any fund
transfer facilities.
5 Kaur, D.G. (2017) Threats to the rights of consumers in E-Banking in India: An overview,
3.Advanced Transactional Websites: Under this system of e-banking the users of the e-
banking are able to transfer funds that means they can transfer money from their phone only,
they can make online payments of the bill and etc. 6
* Types of the e-banking:
1.Using a computer to perform direct banking make a balance enquiry, inter account transfer
and pay linked.
2. At an ATM, you can make deposits, withdrawals, inter-account transfers, and payments from
linked accounts.
3. Performing direct banking over the phone, checking your balance, transferring money
between accounts, and paying linked accounts.
4. Avoid carrying cash or a chequebook by making purchases and paying with debit cards and
smart cards.7
*Forms of E-Banking: There are various forms of e-banking like:
1.Automated Teller Machine (ATM)
2.Tele Banking
3.Debit Card
4.E-Cheque
5.Other Forms of E-Banking
Some of them are explained:
1.Debit Card: For Debit Card there is the concept that person have to pay at that time only
like we can say it as pay now.
2.E-Cheque: This is the electronic version of paper cheque and also the representation of the
old cheque making system.
6Siddiq, Abobkar (no date) (PDF) e-banking and Consumer Protection - researchgate.net.
7
Singh, K. and Renu, D.P. (2019) The impact of e-banking on the use of banking services and
customers satisfaction, International Journal of Trend in Scientific Research and
Development. Available at: https://www.ijtsrd.com/other-scientific-research-
area/other/23559/the-impact-of-ebanking-on-the-use-of-banking-services-and-
customers-satisfaction/dr-prof-renu (Accessed: February 24, 2023).
3.Other Forms of e-banking: Other forms of e-banking are direct deposit, electronic bill
payment, electronic check conversion, cash value stored etc. 8
6.IMPACTS OF THE E-BANKING
E-Banking is the engine of the e-commerce industry and it has helped a lot to make life of the
consumers easy to complete there work fast without wasting so much of the time. But
everything has two sides just like that only e-banking also have two impacts on consumers first
one is the positive impact which can be also called as the advantages of the e-banking on the
consumers and the second one is the negative impact and this can also be called as the
disadvantages of the e-banking on the consumers.
Advantages of the e-banking to the consumers:
1. E-banking has made life of the consumers easier to save time and energy. People can
work from any place at any time without going to banks and standing in a queue.
2. E-banking services are open for 24*7.
3. ATM has also come with the great help of the costumer technology has taken lots of
change in consumers life and also in saving time.
4. With the help of e-banking people can see their account and fund details from home
only very easily.
As e-banking has made life of the consumers very easy but there are so many negative sides
also because of this emerging technology and non-stop use of e-banking. First thing is that
many people are not aware with the use of e-banking services. Like they do not even know that
how to use smartphones. People are not aware with the use of internet. Like today all the bank
related works are supposed to be done with the help of internet sources and because of not
aware with the use of internet consumers are not able to do their work. Consumers even do not
know that how to use ATM and because of that people are not able to do money transactions.
As there are countless advantages of the use of e-banking but with this there are so many
disadvantages also. Cybercrimes and frauds are in its pick because of the new technologies. As
the new technology has made all the works to be done with very short period of time and many
new apps and sources are there. So, if there are positive sides of anything then in the same ways
negative sides are there. People are now able to search and find easy ways to commit fraud and
crimes. By sharing any OTP or just only clicking on the single link all your bank details and
money is supposed to be deduct from your account.
Disadvantages of the e-banking to the consumers:
8
E-banking frauds and Indian Legal Prospective (no date) Legal Service India - Law,
Lawyers and Legal Resources. Available at:
https://www.legalserviceindia.com/legal/article-3322-e-banking-frauds-and-indian-
legal-prospective.html (Accessed: February 24, 2023).
1. While purchasing online products and sharing bank details there is the danger of leak
of personal details because fraudsters has got many ways to do fraud with costumers.
2. In ATM at the time of doing transaction and putting secret code there is the danger that
next person in the row can see the code and can try to steal ATM and to do take money
from it because fraudsters become very aware with their all the ways and tactics.
3. Also, there is the limit of doing online transactions and money transfer and because of
this consumer are not able to do transaction or money transfer of more amount and
because of this only their work get paused and they have to face problems in there
working field.
4. Cybercrimes has made its own place in the world of e-banking, which is a boon for the
consumers.
The use of the e-banking has so many positive as well as negative impacts. Positive impact as
we know are that it has made life of the costumers easy. It became very easy to work at any
time from anywhere in the whole world. All the works we can do with the help of smartphones
and all other etc. smart internet gadgets. But there are so many negative impacts of the e-
banking. Like security issues, identity thefts, hacking, pharming etc.
1.Security Issue: Every customer wants the privacy of their transactions. However, since
everything is available online, there is always a chance that someone could access the data
and use it inappropriately. Threats of hacking and unauthorised access to the bank's systems
are additional sources of e-banking security risk.
2.Identity thefts: Identity theft occurs when thieves or fraudsters obtain crucial
components of a person's legal identity, such as their full name, address, and a copy of their
identification, and attempt to use them to open a bank account or gain access to a financial
service provided by a bank and engages in fraud using that information.
3.Hacking: Typically, this is done to steal data or gain access to passwords, personal
information, financial information, etc. When these hackers break into a computer, they do
so only for ulterior motives like financial gain or reputation.
4.Pharming: In order to trick users into visiting fraudulent websites that steal their personal
information or even their money, legitimate websites or servers are hacked. Phishing, or
impersonating someone in emails or texts, and server "farms" that direct users to false
websites are combined to form the term "pharming." 9
9
Positive impact of e-banking10
10
Customer's acceptance of Internet Banking in Dubai - researchgate (no date). Available at:
https://www.researchgate.net/publication/313899906_Customer's_Acceptance_of_Inter
net_Banking_in_Dubai (Accessed: February 24, 2023).
Negative impact of the e-banking11
7.LEGAL ANALYSIS
According to Indian Banking Companies Act, 1949, “Banking Company is one which transacts
the business of banking, which means the accepting for the purpose of lending or investment
of deposits of money from the public repayable on demand or otherwise and withdrawable by
cheque, draft, and order or otherwise.”
The practise of defending the general public against unfair business
practices in the marketplaces is known as consumer protection. Regulations for consumer
protection are frequently established by law. Such laws are designed to stop companies from
using fraud or other specific unfair practices to gain an advantage over rivals. E-banking is a
tool created specifically for online banking that enables quick, secure access to your bank
account. In order to create a secure environment for the customers, every bank must secure the
following. Customer’s liability for unauthorised electronic banking transactions is restricted.
enhancing bank’s internal grievance redress processes.
Recent Development in the Banking Sector which has increased rapidly the Consumer
Protection: It can be said that the main driving force behind the development of consumer
protection laws in our nation is article 21 of the Indian Constitution. The right to privacy is the
cornerstone of our nation's consumer protection laws because each and every consumer has
11
Customer's acceptance of Internet Banking in Dubai - researchgate (no date). Available at:
this right with regard to their own personal preferences. In addition, service providers have an
obligation to uphold their valued clients' "right to privacy."
LEGAL ISSUE: Since the internet is a shared resource and there are no physical boundaries
between users, questions about legal jurisdiction and the distinction between traditional
commerce and electronic commerce are raised. Let's determine this using a real-world example:
Through his account at Bank "B" (located in the U.K.), "A," who is accessing the internet from
India, makes a transaction and transfers money to "C," who resides in the U.S. In this example,
the question of whose jurisdiction this issue falls under arises. Should the laws of the nation
where the internet is accessed, the location of the bank, or the location of the transaction be
applied? Related to this inquiry: Who should collect taxes on such transactions and where was
the income actually earned? Although this legal matter is being discussed and is anticipated to
lead to some positive results in the near future, there is still no conclusive answer to these
questions.
INFORMATION TECHNOLOGY ACT, 2000: The Reserve Bank of India Act, 1934 and the
Banking Regulation Act, 1949 both play a significant regulatory role in Indian banking. The
Information and Technology Act, 2000, as amended in 2008, governs electronic records and
systems. Internet banking is merely the practise of conducting business using electronic
channels, and it is merely one more service offered by the banks. In India, there are numerous
laws that regulate internet banking. Several of these laws include: The Indian Contract Act of
1872, The Banking Regulation Act of 1949, The Information Technology Act of 2000, etc. The
Information Technology Act, 2000 is India's main law addressing electronic commerce and
cybercrime. It can therefore be said that Internet banking cannot be operated without complying
with the IT Act 2000 because this act directly affects how internet banking functions in India.
CONSUMER PROTECTION ACT 1986: The purpose of this law is to safeguard consumer
interests. Additionally, banking services are also covered by this. This act safeguards issues
relating to internet banking, including privacy, the confidentiality of customer accounts, and
the rights and obligations of customers and banks. 12
CONSUMER PROTECTION ACT 2019: The Ministry of Consumer Affairs has proposed
draught Consumer Protection Rules, 2019 (Rules) to govern internet platforms operating in
India in order to protect consumers from online fraud. In order to notify stakeholders in
accordance with the 2019 Consumer Protection Act Amendments, the Ministry published the
draught Rules for stakeholder feedback. The Rules aim to control quality control and frauds
and cybercrimes committed through e-banking, as well as price manipulation by e-commerce
entities.13
12
International Journal of Law Management & Humanities - ijlmh.com (no date). Available
at: https://www.ijlmh.com/wp-content/uploads/Legal-Framework-of-Internet-Banking-
in-India.pdf (Accessed: February 24, 2023).
13
IP, Q. (2020) Consumer protection (e-commerce) rules, 2019 - Dodd-Frank, consumer
protection act - india, Consumer Protection (E-Commerce) Rules, 2019 - Dodd-Frank,
Consumer Protection Act - India. Quest IP. Available at:
8.CASE ANALYSIS
Some Cybercrimes news in India:

A cyberattack on the Cosmos bank in Pune in 2018 shocked the entire banking
sector. By breaking into the bank's ATM server and stealing the personal data of
numerous debit cardholders, hackers stole Rs 94.42 crore. 28 different countries'
worth of hackers immediately withdrew the stolen money.
Another significant data breach affecting 1.1 billion holders of Aadhar cards
happened in 2018. The compromised data included IFSC codes, Aadhar, cell
phone, PAN, and bank account numbers, among other personal data. Unknown
vendors were quickly and unexpectedly selling Aadhar information on WhatsApp
for Rs 500 per person. A printout of anyone's Aadhar card could also be purchased
for a pitiful Rs 300.
In the middle of 2018, a cyberattack targeted the ATM servers of Canara bank.
Over Rs 20 lakhs have been hidden by the thieves in a number of bank accounts.
Hackers took information from 300 debit cards using skimming devices. 50
people were the target of the imposters, who stole money ranging from Rs 10,000
to Rs 40,000.
Pegasus spyware is an example of harmful software that infiltrates a device,

gathers data, and then sends it to a third-party provider without the user's consent.
It was created by the Israeli cyber weaponry company NSO Group. Links were
mainly required for it to work. A customer's phone will immediately have Pegasus
installed when they click one of these links.
CASE LAW: DR B GANESH V STATE BANK OF INDIA, KALPETTA
(STATE CONSUMER DISPUTES REDRESSAL COMMISSION, 5MARCH 2020)
The complainant is an account holder of the opposite party from 2007. The
complainant submitted an application for getting the online banking facility in
2015 to the opposite party. But the opposite party had not provided with the
https://www.mondaq.com/india/dodd-frank-consumer-protection-
act/893218/consumer-protection-e-commerce-rules-2019 (Accessed: February 24,
2023).
facility. The complainant thereafter approached the HR Manager of opposite
party and thereafter another high position officer of the bank. But it was not
provided to the complainant for the reason that the facility is available only to the
NRI. The act of opposite party is deficiency in service from their side. Aggrieved
by this, complaint is filed.
Opposite party filed version contending that the opposite party had made no
promise to avail the service and also for this manager and other officers cannot
do anything. So, there was no deficiency in service from the side of the bank. But
the complainant has filed proof affidavit and examined other important
documents were also marked on his side. In this case the District Forum found
that if internet banking facility is available in the bank for the account holders,
the opposite party should provide it to the complainant. The non-providing of
such a facility to the complainant even after repeated requests is a clear deficiency
of service from the part of the opposite party. The complainant has not produced
any document to prove his loss due to the non-availability of internet banking
facility. Hence, the District Forum directed the opposite party to provide the
internet banking facility to the complainant and also Rs.10,000/- as compensation
and Rs.5,000/- as cost.14
9.CONCLUSION
“Mankind faces huge challenges as the 21st Century unfolds. It is essential that our leading thinkers
commit time, energy and resources how to finding solutions to these risks and problems which could
threaten the future of humanity itself.”
James Martin
E-banking makes doing business better anywhere, at any time. It offers a fantastic opportunity.
E-banking has benefits for banks as well as customers, in addition to both. Customers can
access their accounts, make withdrawals, and deposit money without going to a branch. E-
banking benefits both customers and banks by being more accessible, practical, secure, quick,
and economical. which is the market's competition. E-banking is a virtual blessing for busy
executives, students, and homeowners. The central government/RBI has implemented a variety
of measures to address the issue in the banking sector, such as hiring young, competent
recruiters with specialised technology knowledge. Customers demand innovations that make
work much easier, faster, and more efficient, and this encourages banks to compete for
Dr B Ganesh V State Bank of India, Kalpetta AIR 2018 SCDRC 2020 (FIRST APPEAL
14
NO. 98 IN 2018)
customers by offering better services and efficient technology. 15E-banking has evolved into a
crucial survival tool and is reshaping the global banking sector. Customers can now access
banking services for a significantly lower price with just a few mouse clicks, and they have
never-before-seen freedom to choose the providers of their financial services. To stay
competitive, banks must upgrade and continually come up with new, creative customised
packages and services. The influx of technology into banking has ushered in the information
age and led to the commoditization of banking services. E-banking has thus developed into a
tactical tool for banks to maintain their profitability.16
But E-banking is now a standard component of contemporary life.
Consumer rights, however, are not secure. Online banking frauds are not covered by the
Information Technology Act, 2000, which is known as the "Bible" of Indian cyber law. The
crimes of hacking, cracking, spoofing, and online financial frauds are indirectly protected
against. Therefore, it is urgent to pass strict legislation to safeguard consumers' rights when
using e-banking. In order to protect against online fraud, legal texts and computer technology
must work together. This will help to maintain a favourable environment for the expansion of
e-commerce in India.17
15
Singh, K. and Renu, D.P. (2019) The impact of e-banking on the use of banking services
and customers satisfaction, International Journal of Trend in Scientific Research and
16
(PDF) e-banking and Consumer Protection - researchgate.net (no date). Available at:
https://www.researchgate.net/publication/321973136_E-
17
10.REFERENCES
BIBLIOGRAPHY
*Primary Sources:
-Information Technology Act,2000
-Consumer Protection Act, 1986
-Consumer Protection Act,2019
*Secondary Sources
-JOURNALS AND ARTICLE
1. Kaur, D.G. (2017) Threats to the rights of consumers in E-Banking in India: An overview,
2. Siddiq, Abobkar (no date) (PDF) e-banking and Consumer Protection - researchgate.net.
3. V Vimla (2015) an evaluation study on internet banking security among selected Indian
bank customers, amity journal of management research.
4. Marilena Vrincianu and Liana Anica Popa (no date) Considerations regarding the security
and protection of E ... - core. Available at: https://core.ac.uk/download/pdf/6492899.pdf
5. Singh, K. and Renu, D.P. (2019) The impact of e-banking on the use of banking services
and customers satisfaction, International Journal of Trend in Scientific Research and
6. E-banking frauds and Indian Legal Prospective (no date) Legal Service India - Law,
Lawyers and Legal Resources. Available at:
https://www.legalserviceindia.com/legal/article-3322-e-banking-frauds-and-indian-
legal-prospective.html (Accessed: February 24, 2023).
7. Customer's acceptance of Internet Banking in Dubai - researchgate (no date). Available at:
8. International Journal of Law Management & Humanities - ijlmh.com (no date). Available
at: https://www.ijlmh.com/wp-content/uploads/Legal-Framework-of-Internet-Banking-
in-India.pdf (Accessed: February 24, 2023).
9. IP, Q. (2020) Consumer protection (e-commerce) rules, 2019 - Dodd-Frank, consumer

protection act - india, Consumer Protection (E-Commerce) Rules, 2019 - Dodd-Frank,
Consumer Protection Act - India. Quest IP. Available at:
https://www.mondaq.com/india/dodd-frank-consumer-protection-
act/893218/consumer-protection-e-commerce-rules-2019 (Accessed: February 24,
2023).
10. Dr B Ganesh V State Bank of India, Kalpetta AIR 2018 SCDRC 2020 (FIRST APPEAL
NO. 98 IN 2018)
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n_Model_Approach
7.https://www.researchgate.net/publication/313899906_Customer's_Acceptance_of_Internet_
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10. https://www.legalserviceindia.com/legal/article-3322-e-banking-frauds-and-indian-legal-
prospective.html
11. https://www.casemine.com/judgement/in/6062b4a29fca192ff4f76caa

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E-BANKING AND CONSUMER PROTECTION

LAW OF TORTS, MV ACCIDENT AND CONSUMER PROTECTION

SUBMITTED BY: KALPANA BISEN

SUBMITTED TO: PROF. SHUBHI TRIVEDI MAM

ALLIANCE SCHOOL OF LAW

ALLIANCE UNIVERRSITY, BENGALURU

DATE OF SUBMISSION: 25TH OF FEBRUARY 2023

3. SCOPE AND LIMITATION………………………………………

4. OBJECTIVE OF THE STUDY……………………………………

5. E-BANKING: AN ENGINE OF E-COMMERCE

6. IMPACTS OF THE E-BANKING………………………………...

3.SCOPE AND LIMITATION

4.OBJECTINE OF THE STUDY

The aim of the study includes:

6.IMPACTS OF THE E-BANKING

Some Cybercrimes news in India:

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9. IP, Q. (2020) Consumer protection (e-commerce) rules, 2019 - Dodd-Frank, consumer

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