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May' 05

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Online Pornography-Who is the Culprit and Who is the Victim?
Building Cyberlaw Capacity for eGovernance: Technology Perspectives
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Legal Status of Qualified Electronic Signatures in Europe


- -Jos Dumortier

It is a common misunderstanding that, in Europe, in order to have a legally valid electronic signature, you need a "qualified" electronic signature. The European Electronic Signatures Directive is very clear in this respect, though, it is forbidden to deny any legal effectiveness to an electronic signature solely on the ground that it is not qualified, for instance like it is not based on a qualified certificate or not created with a secure signature-creation device. The only consequence of using a "qualified" electronic signature is the "automatic" application of existing legal rules which are still referring to the handwritten signature. These rules are progressively disappearing because modern legislation no longer exclusively refers to information processing in paper format. The "qualified" electronic signature is, therefore, only a temporary concept, mainly useful for bridging a transition period. It can, on a longer term, be useful to have a standardized secure electronic signature for all kinds of applications, but such a standard should preferably not be dictated by the legal rules on the "qualified" electronic signature.

Dumbing Down Democracy: Trends in Internet Regulation, Surveillance and Control in Asia


- -James Gomez

This paper argues that the trends in state regulation, surveillance and control of the Internet in Asia stand to effectively reduce political expression that has emerged over the Internet. A variety of international media watch and human rights organizations have noted that since September 11, 2001, a slew of anti-terrorism laws have been adopted in Asia which place greater restrictions on the Internet. Laws against online pornography, gambling, hate speech and spam have been revised to cover online political content and mobilizing. Such measures limit and reduce the space of cyberactivists to push the democratic agenda online.

Online Pornography-Who is the Culprit and Who is the Victim?


- -S V S M Sastry and G Usha

The importance and the role of Information Technology has been increasing day-by-day in our lives. This article aims at analyzing the possible legal and techno-legal aspects of pornography with specific reference to the recent MMS scandal. Pornography is a global problem and those who engage in the production, exhibition, distribution and consumption of pornography can cause a serious negative impact on the children and the society at large.

Article Price : Rs.50

Security vs. Privacy: A Comparative Analysis of Canada, the United Kingdom and the United States


- -Thomas B Riley

Every person in this universe is supposed to have his own privacy. The more he interacts with the public, the more is the chance of losing privacy and the present situation supposedly afflicting their invaluable inalienable right to privacy. The legal issues arising out of the transactions of privacy provide only remedies in a legalistic way but can't provide any substitute measurements when the so-called privacy is deprived or taken away. It is necessary to assess both the efficacy and legitimacy of the security measures against terrorism in the light of how privacy is being afflicted and impacted in the process.

Building Cyberlaw Capacity for eGovernance: Technology Perspectives


- -Rogers W'O Okot-Uma

There is a growing feeling in the minds of people that technology is going to present newer and wider possibilities before the society in the modern times. Electronic Governance is a concept that takes the man from the `known' to the `unknown'. Electronic Governance is inclusive of Electronic Democracy, Electronic Government and Government Electronic Business. The commonwealth also evinced interest and committed to good governance through the declarations made by Heads of Governments and State at their meetings. No doubt, good governance provides a new paradigm in Public Administration in a global way.

Article Price : Rs.50

Dimensions of Cyber Crime: Encyclopedia of Cyber Laws and Crime Series

--Edited by S R Sharma

Global Executive Summaries
  • Digital Signature and European Laws
  • Domain Disputes and the Dispute Resolution Mechanism
  • E-Commerce and Computer Contracts
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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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