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The IUP Journal of Law Review
Focus

This issue contains four papers. The first paper, “Protection Against Genetic Discrimination: A Comparative Overview of Policy Positions”, by Subhash Chandra Singh, presents a comparative study of positions taken in various countries on issues in genetics and life insurance. The paper surveys current legislations relating to genetic privacy and discrimination, including Federal and State laws that prohibit or could be used to prohibit genetic discrimination in employment and insurance, and laws that protect genetic privacy. The relationship between protecting genetic privacy and prohibiting genetic discrimination is thoroughly discussed. The paper discusses the discriminatory use of genetic information that might occur in certain contexts such as employment and insurance, which may create hardship for people in different ways, and also critically examines how the people are unfairly treated because of their actual or perceived genetic variations.

In the second paper, “Redressal of Consumer Grievances: A Perspective”, the author, V G Ranganath, seeks to observe the process of complaint redressal from the perspectives of consumers through their lived experiences. The author highlights the peculiarities in behavior exhibited by Malaysian consumers when their complaints/grievances have been sorted out. The author focuses on the grievances redressed by the National Commission by appeal and revision and the Supreme Court by appeal and special leave petition. The author focuses on various areas about which the consumer has to have awareness. The author documents the law laid down by the Supreme Court of India and the National Consumer Disputes Redressal Commission in protecting the interests of the consumers.

The third paper, “Implementation of Labor Laws Inside SEZs in India: A Perfect Example of Economic Development Versus Social Security”, by Kasturi Bhagat, seeks to examine the social security of laborers inside the Special Economic Zones (SEZs) in India. The author evaluates the question of formation of trade unions within the SEZs and the possibility of the workers going on a strike within the SEZs. The author suggests some recommendations for the creation of a new legal regime for the implementation of labor laws within the SEZs, bearing in mind the existing labor legislations of India.

The last paper, “‘Inhuman Business in Human Law’: Human Organ Transplantation and the Legal Position”, by M Madhuri Irene, expresses concern over the increasing incidence of vital organ failure and the inadequate supply of organs, especially from cadavers, which have created a wide gap between organ supply and demand.

The author analyzes the ethical, moral and societal issues regarding the supply and the method of organ allocation. The main crux of the paper is to draw the attention of the policy makers to the importance of framing proper guidelines for legalizing and incorporating organ trade into the domain of government, which is very much needed for the betterment of human values and ethics.


-- V Hemalatha Devi
Consulting Editor

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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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