Document Type : Original Article
Authors
1 PH.D. Candidate of Private Law, Islamic Azad University, South Tehran Branch
2 Assistant Professor of Law, Islamic Azad University, South Tehran Branch
Abstract
The implementation of electronic banking, despite its many advantages, faces many challenges. In this research project, how to fulfill the contract, authentication, electronic signature, and the ability to cite the signature as message data on the one hand, and the dangers of impersonation and facilitating money laundering on the other hand were analyzed descriptively by studying domestic and international regulations and analytical methods. The result of this study shows that the electronic contract can be fulfilled due to the choice of determining the method of concluding the contract and the prescription of the electronic commerce law. Therefore, the biometric signature and digital signature are not only efficient and reliable but can also compensate for the inability of the deprived classes to provide identity and residence documents in line with anti-money laundering regulations, while electronic identity authentication with the help of artificial intelligence will identify fraudulent behavior and prevent money laundering. As such, it is suggested to establish an integrated information system between banks and identity custodian organizations such as civil registry, company registry, document registry, and the judicial system in terms of the decrees issued regarding the identity of persons such as confiscation, bankruptcy, and liquidation in order to ensure the accuracy of the data and to provide secure online services and subsequently to defend electronic data as a document in judicial courts.
Keywords
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