البنوك في مواجهة التحويل الإلكتروني للأموال

الملخص EN

The opening of the field by the Algerian Legislator to banks to provide services related to remote payments is a fact imposed by the reality of the spread of the use of electronic commerce and by the need for the use of the appropriate technique to pay its payments, which should be compatible with the means used in this kind of commercial activity.

However, electronic funds transfer transactions are characterized by their legality and their technicality distinguishing them from other conventional means of payment.

Thus, it is imperative to identify them through a variety of rules that ensure their safety and security and that require banks to comply with a set of obligations during the execution of the electronic transfer operations, under penalty of their responsibility vis-à-vis their customers for the mistakes committed for this purpose, in addition to their disciplinary responsibility before the Banking Commission and even criminal.