Browsing: Adv. Ms. Niharika Negi

This research paper critically examines the banker–customer relationship in India, focusing on its legal foundation as a debtor–creditor relationship and its evolution amid technological and regulatory change. It explores how traditional doctrines under the Indian Contract Act, 1872 and Banking Regulation Act, 1949 interact with modern issues such as digital banking, data protection, fiduciary duties, and consumer rights. Through doctrinal and analytical study, it identifies challenges like unequal bargaining power, confidentiality concerns, and digital fraud, and proposes reforms to promote fairness, transparency, and accountability in the banking sector.

Abstract The fast digital revolution has completely changed how people and companies conduct business, demanding a serious reconsideration of the…