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The IUP Law Review

Jan'13

 

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Protection of the Elderly Consumers: Issues and Challenges
Application of Human Rights in Criminal Justice
The Need for Uniform Civil Code
Role of ICANN in Internet Domain Name Dispute Resolution
Effect of Explosive Remnants of War on Women’s Life
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Protection of the Elderly Consumers: Issues and Challenges

-- Bhavani Prasad Panda, Manoj Manjari Patnaik and Minati Panda

In the changing market economy and globalization, the elderly consumers are an important segment but are most vulnerable. Demographic statistics project a phenomenal rate of growth of elderly consumers. The vulnerability of the elderly consumers is coupled with complexities of psycho-socio-economic, including legal, paradigms of the global market. They are easy victims of fraud, deception, cheating, unfair trade practice and similar activities of the market. They are susceptible to various ploys of the market because of their declining health, social isolation, psychological loneliness and illiteracy associated with lack of right knowledge of the time and tide of the market. The changing family and social structure emanating from globalization is a contributory factor to the helplessness of the elderly. There are many aspects of life which drag the elderly consumer to be a compulsive partner of the market in sectors like health, travel, medication, education, housing, etc., where he/she does not find himself/herself as ‘consumer the king’ but a ‘hapless consumer at risk’. This paper attempts to analyze the various challenges that the vulnerable elderly confront and throw light on the issues relating to consumer protection.

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Application of Human Rights in Criminal Justice

--S V M Kamasai

The international human rights instrument contains the postulate that the criminal justice system should be fair, in the sense, that it must be devised in accordance with the principles of natural justice. Every human being under the international human rights instruments has been guaranteed the inherent right to life, and the state has an obligation to protect this right. The broader implication of this right is that the inherent dignity should be protected by the state with which one can lead his life decently.

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The Need for Uniform Civil Code

--L V K Prasad

India is a secular state that means the state does not owe loyalty to any particular religion and has no religion of its own. It protects all religions equally without any discrimination. All religions are governed by their personal laws. According to these laws, the conditions for marriage, divorce, adoption, maintenance, etc., vary from one religion to another, resulting in several problems and matrimonial conflicts. Article 44 of the Indian Constitution directs that “The state shall endeavor to secure for the citizens a uniform civil code throughout the territory of India”. The judges, jurists, academicians and other distinguished personalities favor and strongly support the implementation of the uniform civil code. Article 44 under the Directive Principles of State Policy is not enforceable and an individual cannot approach the courts for enforcement of Article 44. This can be achieved only by a strong political will.

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Role of ICANN in Internet Domain Name Dispute Resolution

--S V Damodar Reddy

The Internet Corporation for Assigned Names and Numbers (ICANN) is an apex authority responsible for the administration of domain names, IP address numbers and protocol parameters. The domain name is much like an entry in a phone book. Computers communicate by using numbers called IP addresses to contact each other, much like we use a phone number to dial a specific person’s phone. There are numerous domain name disputes that have come up for consideration of courts all over the world. To name a few, Intermatic vs. Toeppen, Actmedia Inc. vs. Active Media Int’l, Inc., Panavision vs. Toeppen in the USA, British Telecommunications Plc. vs. One in a Million Ltd., Marks & Spencer’s vs. One-in-a-Million in the UK; and Yahoo.com vs. Akash Arora, Rediff Communication vs. Cyberbooth & Anr, Tata Sons Ltd. vs. Monu Kasuri & Others, Satyam Infoway Ltd. vs. Sifynet Solutions Pvt. Ltd., in India are of importance. It was held that Internet domain names are subject to the same legal norms applicable to other intellectual properties such as trademarks.

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Effect of Explosive Remnants of War on Women’s Life

--Ch Lakshmi

The quandary of Explosive Remnants of War (ERW) is not new. It has been a byproduct of every warfare and has a severe impact on the civilian society. Stepping on a landmine can have a shattering effect on individuals. Although war ends, its repercussions are great and take a toll on the human beings either with or without their knowledge. Women are also often heavily affected by ERW either directly or indirectly. Though the Law of Armed Conflict specifies the legal obligation of the parties to the conflict, through various Conventions, Protocols and Resolutions, in reality the parties to the conflict totally fail to observe these obligations when seriously involved in their tasks. Many civilians are affected due to their ignornce of ERW. Hence, Mine Action Programs and Development Programs have already been undertaken and implemented by the United Nations and International Committee of the Red Cross by educating civilians, including women, to know the effect of ERW and involve them in the reconstruction process.

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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management
Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.
International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.

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