The Limits of Electronic Banking Regulation in Ethiopia

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This book analyzes the limits of e-banking regulations in Ethiopia.

It addresses the key issues revolving around the limits of the e-banking regulation that are not responsive to the adoption and advancement of the e-banking products and services in the country: It explores and examines the policy, legal and institutional frameworks of the e-banking business in Ethiopia.

Ethiopia does not have a comprehensive primary legislation that regulates the e-banking business, but many issues of the e-banking business are regulated by the National Payment System Proclamation and its implementing directives.

But the current regulations provided by the National Payment System proclamation and its implementing directives are not full-fledged.

Over that, the formulation of the national retail payment strategy which is used as a basis for both the legal and regulatory framework has not yet finished.

The author recommends that it is through the primary legislation that the rights and obligation of citizens defined; therefore, instead of regulating by issuing directives, it is better to regulate the basic issues of the e-banking by a primary legislation.

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