Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 73
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 74
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

                trigger_error($message, E_USER_WARNING);

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</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
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-The Times of India&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;MUMBAI: &lt;/em&gt;Electronic payments have become safer for consumers with the Reserve Bank of India (RBI) introducing the concept of &#039;zero liability&#039; and &#039;limited liability&#039; for bank customers for any card or online fraud. The central bank has also made it mandatory for banks to register all customers for text message alerts and permit reporting of unauthorized transactions through a reply to the alert message.&lt;br /&gt;
&lt;br /&gt;
The proposal to limit customer liability in a fraudulent transaction was floated in a draft circular in August 2016. The RBI has now come out with final guidelines and sought to make rules stricter for banks than originally envisaged.&lt;br /&gt;
&lt;br /&gt;
Under the new directive issued on Thursday, the onus has been placed on banks to link mobile numbers with bank accounts. &amp;quot;With the increased thrust of financial inclusion and customer protection and considering the recent surge in customer grievances relating to unauthorized transactions, the customer liability in these circumstances has been reviewed,&amp;quot; said the RBI.&lt;br /&gt;
&lt;br /&gt;
The central bank&#039;s circular covers online transactions as well as face-to-face transactions in stores using electronic payments.&lt;br /&gt;
&lt;br /&gt;
Besides asking banks to enable replies to text messages containing transaction alerts, the RBI has asked them to allow reporting of unauthorized transactions on their home page. Also fraud reporting will be possible through other channels including phone banking, sms, email, call centre and interactive voice response.&lt;br /&gt;
&lt;br /&gt;
A customer will have zero liability in respect of a fraudulent transaction if there is contributory fraud or negligence on the part of the bank. The customer will also not be liable if there is a third party breach, without bank involvement, which is reported to the bank within three working days of receiving communication regarding the unauthorized transaction.&lt;br /&gt;
&lt;br /&gt;
&amp;quot;Banks have been compensating customers for third-party frauds. What is new is the concept of limited liability. We are not clear how this will apply when the customer has shared his password,&amp;quot; said an official with a private bank. &lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;http://timesofindia.indiatimes.com/business/india-business/card-online-payments-made-safer-customer-liability-cut/articleshow/59481537.cms&quot;&gt;click here&lt;/a&gt; to read more. 
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&lt;em&gt;MUMBAI: &lt;/em&gt;Electronic payments have become safer for consumers with the Reserve Bank of India (RBI) introducing the concept of &#039;zero liability&#039; and &#039;limited liability&#039; for bank customers for any card or online fraud. The central bank has also made it mandatory for banks to register all customers for text message alerts and permit reporting of unauthorized transactions through a reply to the alert message.&lt;br /&gt;
&lt;br /&gt;
The proposal to limit customer liability in a fraudulent transaction was floated in a draft circular in August 2016. The RBI has now come out with final guidelines and sought to make rules stricter for banks than originally envisaged.&lt;br /&gt;
&lt;br /&gt;
Under the new directive issued on Thursday, the onus has been placed on banks to link mobile numbers with bank accounts. &amp;quot;With the increased thrust of financial inclusion and customer protection and considering the recent surge in customer grievances relating to unauthorized transactions, the customer liability in these circumstances has been reviewed,&amp;quot; said the RBI.&lt;br /&gt;
&lt;br /&gt;
The central bank&#039;s circular covers online transactions as well as face-to-face transactions in stores using electronic payments.&lt;br /&gt;
&lt;br /&gt;
Besides asking banks to enable replies to text messages containing transaction alerts, the RBI has asked them to allow reporting of unauthorized transactions on their home page. Also fraud reporting will be possible through other channels including phone banking, sms, email, call centre and interactive voice response.&lt;br /&gt;
&lt;br /&gt;
A customer will have zero liability in respect of a fraudulent transaction if there is contributory fraud or negligence on the part of the bank. The customer will also not be liable if there is a third party breach, without bank involvement, which is reported to the bank within three working days of receiving communication regarding the unauthorized transaction.&lt;br /&gt;
&lt;br /&gt;
&amp;quot;Banks have been compensating customers for third-party frauds. What is new is the concept of limited liability. We are not clear how this will apply when the customer has shared his password,&amp;quot; said an official with a private bank. &lt;br /&gt;
&lt;br /&gt;
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Cake\View\View::_render() - CORE/src/View/View.php, line 1374
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Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
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-The Times of India

MUMBAI: Electronic payments have become safer for consumers with the Reserve Bank of India (RBI) introducing the concept of 'zero liability' and 'limited liability' for bank customers for any card or online fraud. The central bank has..."/>
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                <strong>Card, online payments made safer; customer liability cut</strong></h1>
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    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ef05d629edb-trace').style.display = (document.getElementById('cakeErr67ef05d629edb-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67ef05d629edb-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ef05d629edb-code').style.display = (document.getElementById('cakeErr67ef05d629edb-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ef05d629edb-context').style.display = (document.getElementById('cakeErr67ef05d629edb-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67ef05d629edb-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
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&lt;br /&gt;
&lt;em&gt;MUMBAI: &lt;/em&gt;Electronic payments have become safer for consumers with the Reserve Bank of India (RBI) introducing the concept of &#039;zero liability&#039; and &#039;limited liability&#039; for bank customers for any card or online fraud. The central bank has also made it mandatory for banks to register all customers for text message alerts and permit reporting of unauthorized transactions through a reply to the alert message.&lt;br /&gt;
&lt;br /&gt;
The proposal to limit customer liability in a fraudulent transaction was floated in a draft circular in August 2016. The RBI has now come out with final guidelines and sought to make rules stricter for banks than originally envisaged.&lt;br /&gt;
&lt;br /&gt;
Under the new directive issued on Thursday, the onus has been placed on banks to link mobile numbers with bank accounts. &amp;quot;With the increased thrust of financial inclusion and customer protection and considering the recent surge in customer grievances relating to unauthorized transactions, the customer liability in these circumstances has been reviewed,&amp;quot; said the RBI.&lt;br /&gt;
&lt;br /&gt;
The central bank&#039;s circular covers online transactions as well as face-to-face transactions in stores using electronic payments.&lt;br /&gt;
&lt;br /&gt;
Besides asking banks to enable replies to text messages containing transaction alerts, the RBI has asked them to allow reporting of unauthorized transactions on their home page. Also fraud reporting will be possible through other channels including phone banking, sms, email, call centre and interactive voice response.&lt;br /&gt;
&lt;br /&gt;
A customer will have zero liability in respect of a fraudulent transaction if there is contributory fraud or negligence on the part of the bank. The customer will also not be liable if there is a third party breach, without bank involvement, which is reported to the bank within three working days of receiving communication regarding the unauthorized transaction.&lt;br /&gt;
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&amp;quot;Banks have been compensating customers for third-party frauds. What is new is the concept of limited liability. We are not clear how this will apply when the customer has shared his password,&amp;quot; said an official with a private bank. &lt;br /&gt;
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&lt;br /&gt;
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&lt;br /&gt;
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&lt;br /&gt;
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Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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-The Times of India

MUMBAI: Electronic payments have become safer for consumers with the Reserve Bank of India (RBI) introducing the concept of 'zero liability' and 'limited liability' for bank customers for any card or online fraud. The central bank has..."/>
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                <strong>Card, online payments made safer; customer liability cut</strong></h1>
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                <div align="justify">-The Times of India<br /><br /><em>MUMBAI: </em>Electronic payments have become safer for consumers with the Reserve Bank of India (RBI) introducing the concept of 'zero liability' and 'limited liability' for bank customers for any card or online fraud. The central bank has also made it mandatory for banks to register all customers for text message alerts and permit reporting of unauthorized transactions through a reply to the alert message.<br /><br />The proposal to limit customer liability in a fraudulent transaction was floated in a draft circular in August 2016. The RBI has now come out with final guidelines and sought to make rules stricter for banks than originally envisaged.<br /><br />Under the new directive issued on Thursday, the onus has been placed on banks to link mobile numbers with bank accounts. &quot;With the increased thrust of financial inclusion and customer protection and considering the recent surge in customer grievances relating to unauthorized transactions, the customer liability in these circumstances has been reviewed,&quot; said the RBI.<br /><br />The central bank's circular covers online transactions as well as face-to-face transactions in stores using electronic payments.<br /><br />Besides asking banks to enable replies to text messages containing transaction alerts, the RBI has asked them to allow reporting of unauthorized transactions on their home page. Also fraud reporting will be possible through other channels including phone banking, sms, email, call centre and interactive voice response.<br /><br />A customer will have zero liability in respect of a fraudulent transaction if there is contributory fraud or negligence on the part of the bank. The customer will also not be liable if there is a third party breach, without bank involvement, which is reported to the bank within three working days of receiving communication regarding the unauthorized transaction.<br /><br />&quot;Banks have been compensating customers for third-party frauds. What is new is the concept of limited liability. We are not clear how this will apply when the customer has shared his password,&quot; said an official with a private bank. <br /><br />Please <a href="http://timesofindia.indiatimes.com/business/india-business/card-online-payments-made-safer-customer-liability-cut/articleshow/59481537.cms" title="http://timesofindia.indiatimes.com/business/india-business/card-online-payments-made-safer-customer-liability-cut/articleshow/59481537.cms">click here</a> to read more. </div><div align="justify">&nbsp;</div>               </font>
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-The Times of India&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;MUMBAI: &lt;/em&gt;Electronic payments have become safer for consumers with the Reserve Bank of India (RBI) introducing the concept of &#039;zero liability&#039; and &#039;limited liability&#039; for bank customers for any card or online fraud. The central bank has also made it mandatory for banks to register all customers for text message alerts and permit reporting of unauthorized transactions through a reply to the alert message.&lt;br /&gt;
&lt;br /&gt;
The proposal to limit customer liability in a fraudulent transaction was floated in a draft circular in August 2016. The RBI has now come out with final guidelines and sought to make rules stricter for banks than originally envisaged.&lt;br /&gt;
&lt;br /&gt;
Under the new directive issued on Thursday, the onus has been placed on banks to link mobile numbers with bank accounts. &amp;quot;With the increased thrust of financial inclusion and customer protection and considering the recent surge in customer grievances relating to unauthorized transactions, the customer liability in these circumstances has been reviewed,&amp;quot; said the RBI.&lt;br /&gt;
&lt;br /&gt;
The central bank&#039;s circular covers online transactions as well as face-to-face transactions in stores using electronic payments.&lt;br /&gt;
&lt;br /&gt;
Besides asking banks to enable replies to text messages containing transaction alerts, the RBI has asked them to allow reporting of unauthorized transactions on their home page. Also fraud reporting will be possible through other channels including phone banking, sms, email, call centre and interactive voice response.&lt;br /&gt;
&lt;br /&gt;
A customer will have zero liability in respect of a fraudulent transaction if there is contributory fraud or negligence on the part of the bank. The customer will also not be liable if there is a third party breach, without bank involvement, which is reported to the bank within three working days of receiving communication regarding the unauthorized transaction.&lt;br /&gt;
&lt;br /&gt;
&amp;quot;Banks have been compensating customers for third-party frauds. What is new is the concept of limited liability. We are not clear how this will apply when the customer has shared his password,&amp;quot; said an official with a private bank. &lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;http://timesofindia.indiatimes.com/business/india-business/card-online-payments-made-safer-customer-liability-cut/articleshow/59481537.cms&quot;&gt;click here&lt;/a&gt; to read more. 
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&lt;em&gt;MUMBAI: &lt;/em&gt;Electronic payments have become safer for consumers with the Reserve Bank of India (RBI) introducing the concept of &#039;zero liability&#039; and &#039;limited liability&#039; for bank customers for any card or online fraud. The central bank has also made it mandatory for banks to register all customers for text message alerts and permit reporting of unauthorized transactions through a reply to the alert message.&lt;br /&gt;
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The proposal to limit customer liability in a fraudulent transaction was floated in a draft circular in August 2016. The RBI has now come out with final guidelines and sought to make rules stricter for banks than originally envisaged.&lt;br /&gt;
&lt;br /&gt;
Under the new directive issued on Thursday, the onus has been placed on banks to link mobile numbers with bank accounts. &amp;quot;With the increased thrust of financial inclusion and customer protection and considering the recent surge in customer grievances relating to unauthorized transactions, the customer liability in these circumstances has been reviewed,&amp;quot; said the RBI.&lt;br /&gt;
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&lt;br /&gt;
Please &lt;a href=&quot;http://timesofindia.indiatimes.com/business/india-business/card-online-payments-made-safer-customer-liability-cut/articleshow/59481537.cms&quot;&gt;click here&lt;/a&gt; to read more. 
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MUMBAI: Electronic payments have become safer for consumers with the Reserve Bank of India (RBI) introducing the concept of &#039;zero liability&#039; and &#039;limited liability&#039; for bank customers for any card or online fraud. The central bank has...&#039;
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-The Times of India

MUMBAI: Electronic payments have become safer for consumers with the Reserve Bank of India (RBI) introducing the concept of 'zero liability' and 'limited liability' for bank customers for any card or online fraud. The central bank has..."/>
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                <strong>Card, online payments made safer; customer liability cut</strong></h1>
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                <div align="justify">-The Times of India<br /><br /><em>MUMBAI: </em>Electronic payments have become safer for consumers with the Reserve Bank of India (RBI) introducing the concept of 'zero liability' and 'limited liability' for bank customers for any card or online fraud. The central bank has also made it mandatory for banks to register all customers for text message alerts and permit reporting of unauthorized transactions through a reply to the alert message.<br /><br />The proposal to limit customer liability in a fraudulent transaction was floated in a draft circular in August 2016. The RBI has now come out with final guidelines and sought to make rules stricter for banks than originally envisaged.<br /><br />Under the new directive issued on Thursday, the onus has been placed on banks to link mobile numbers with bank accounts. &quot;With the increased thrust of financial inclusion and customer protection and considering the recent surge in customer grievances relating to unauthorized transactions, the customer liability in these circumstances has been reviewed,&quot; said the RBI.<br /><br />The central bank's circular covers online transactions as well as face-to-face transactions in stores using electronic payments.<br /><br />Besides asking banks to enable replies to text messages containing transaction alerts, the RBI has asked them to allow reporting of unauthorized transactions on their home page. Also fraud reporting will be possible through other channels including phone banking, sms, email, call centre and interactive voice response.<br /><br />A customer will have zero liability in respect of a fraudulent transaction if there is contributory fraud or negligence on the part of the bank. The customer will also not be liable if there is a third party breach, without bank involvement, which is reported to the bank within three working days of receiving communication regarding the unauthorized transaction.<br /><br />&quot;Banks have been compensating customers for third-party frauds. What is new is the concept of limited liability. We are not clear how this will apply when the customer has shared his password,&quot; said an official with a private bank. <br /><br />Please <a href="http://timesofindia.indiatimes.com/business/india-business/card-online-payments-made-safer-customer-liability-cut/articleshow/59481537.cms" title="http://timesofindia.indiatimes.com/business/india-business/card-online-payments-made-safer-customer-liability-cut/articleshow/59481537.cms">click here</a> to read more. </div><div align="justify">&nbsp;</div>               </font>
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-The Times of India<br />
<br />
<em>MUMBAI: </em>Electronic payments have become safer for consumers with the Reserve Bank of India (RBI) introducing the concept of 'zero liability' and 'limited liability' for bank customers for any card or online fraud. The central bank has also made it mandatory for banks to register all customers for text message alerts and permit reporting of unauthorized transactions through a reply to the alert message.<br />
<br />
The proposal to limit customer liability in a fraudulent transaction was floated in a draft circular in August 2016. The RBI has now come out with final guidelines and sought to make rules stricter for banks than originally envisaged.<br />
<br />
Under the new directive issued on Thursday, the onus has been placed on banks to link mobile numbers with bank accounts. &quot;With the increased thrust of financial inclusion and customer protection and considering the recent surge in customer grievances relating to unauthorized transactions, the customer liability in these circumstances has been reviewed,&quot; said the RBI.<br />
<br />
The central bank's circular covers online transactions as well as face-to-face transactions in stores using electronic payments.<br />
<br />
Besides asking banks to enable replies to text messages containing transaction alerts, the RBI has asked them to allow reporting of unauthorized transactions on their home page. Also fraud reporting will be possible through other channels including phone banking, sms, email, call centre and interactive voice response.<br />
<br />
A customer will have zero liability in respect of a fraudulent transaction if there is contributory fraud or negligence on the part of the bank. The customer will also not be liable if there is a third party breach, without bank involvement, which is reported to the bank within three working days of receiving communication regarding the unauthorized transaction.<br />
<br />
&quot;Banks have been compensating customers for third-party frauds. What is new is the concept of limited liability. We are not clear how this will apply when the customer has shared his password,&quot; said an official with a private bank. <br />
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Please <a href="http://timesofindia.indiatimes.com/business/india-business/card-online-payments-made-safer-customer-liability-cut/articleshow/59481537.cms">click here</a> to read more. 
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<em>MUMBAI: </em>Electronic payments have become safer for consumers with the Reserve Bank of India (RBI) introducing the concept of 'zero liability' and 'limited liability' for bank customers for any card or online fraud. The central bank has also made it mandatory for banks to register all customers for text message alerts and permit reporting of unauthorized transactions through a reply to the alert message.<br />
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The proposal to limit customer liability in a fraudulent transaction was floated in a draft circular in August 2016. The RBI has now come out with final guidelines and sought to make rules stricter for banks than originally envisaged.<br />
<br />
Under the new directive issued on Thursday, the onus has been placed on banks to link mobile numbers with bank accounts. &quot;With the increased thrust of financial inclusion and customer protection and considering the recent surge in customer grievances relating to unauthorized transactions, the customer liability in these circumstances has been reviewed,&quot; said the RBI.<br />
<br />
The central bank's circular covers online transactions as well as face-to-face transactions in stores using electronic payments.<br />
<br />
Besides asking banks to enable replies to text messages containing transaction alerts, the RBI has asked them to allow reporting of unauthorized transactions on their home page. Also fraud reporting will be possible through other channels including phone banking, sms, email, call centre and interactive voice response.<br />
<br />
A customer will have zero liability in respect of a fraudulent transaction if there is contributory fraud or negligence on the part of the bank. The customer will also not be liable if there is a third party breach, without bank involvement, which is reported to the bank within three working days of receiving communication regarding the unauthorized transaction.<br />
<br />
&quot;Banks have been compensating customers for third-party frauds. What is new is the concept of limited liability. We are not clear how this will apply when the customer has shared his password,&quot; said an official with a private bank. <br />
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Please <a href="http://timesofindia.indiatimes.com/business/india-business/card-online-payments-made-safer-customer-liability-cut/articleshow/59481537.cms">click here</a> to read more. 
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Card, online payments made safer; customer liability cut

-The Times of India MUMBAI: Electronic payments have become safer for consumers with the Reserve Bank of India (RBI) introducing the concept of 'zero liability' and 'limited liability' for bank customers for any card or online fraud. The central bank has also made it mandatory for banks to register all customers for text message alerts and permit reporting of unauthorized transactions through a reply to the alert message. The proposal to limit customer liability in a fraudulent transaction was floated in a draft circular in August 2016. The RBI has now come out with final guidelines and sought to make rules stricter for banks than originally envisaged. Under the new directive issued on Thursday, the onus has been placed on banks to link mobile numbers with bank accounts. "With the increased thrust of financial inclusion and customer protection and considering the recent surge in customer grievances relating to unauthorized transactions, the customer liability in these circumstances has been reviewed," said the RBI. The central bank's circular covers online transactions as well as face-to-face transactions in stores using electronic payments. Besides asking banks to enable replies to text messages containing transaction alerts, the RBI has asked them to allow reporting of unauthorized transactions on their home page. Also fraud reporting will be possible through other channels including phone banking, sms, email, call centre and interactive voice response. A customer will have zero liability in respect of a fraudulent transaction if there is contributory fraud or negligence on the part of the bank. The customer will also not be liable if there is a third party breach, without bank involvement, which is reported to the bank within three working days of receiving communication regarding the unauthorized transaction. "Banks have been compensating customers for third-party frauds. What is new is the concept of limited liability. We are not clear how this will apply when the customer has shared his password," said an official with a private bank. Please click here to read more.