les cahiers du mecas
Volume 22, Numéro 1, Pages 715-723
2026-06-02
Adequate Legislation In Regulating Electronic Banking Contracts And Ensuring The Protection Of Parties
Authors : Dekiche Faiza . Haoulia Yehya .
Abstract
This research aims to study and analyze electronic banking contracts as one of the most important aspects of digital development in the banking sector. These contracts have become a means of conducting financial transactions remotely using electronic media, thus facilitating and expediting banking operations. This research focuses on defining the concept of electronic banking contracts and their characteristics, explaining how they are concluded by examining the stages of electronic contract formation, particularly offer and acceptance, and the means of expressing intent in the digital environment. The research also addresses the most significant legal and technical risks associated with electronic contracts. Furthermore, it examines the legal framework governing these contracts and assesses its effectiveness in keeping pace with technological advancements. The research concludes that electronic banking contracts are an inevitable necessity in the digital age. However, their effectiveness requires continuous development of the legal framework and enhanced technical protection mechanisms to ensure a balance between facilitating transactions and protecting the rights of the contracting parties
Keywords
Electronic contracts ; Banking contracts ; Electronic signature ; Cybersecurity ; Contracting parties
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