There is no clear answer. There are only variants.This option establishes the law on the one hand, if any, and on the other hand your consumer agreement with the bank when you agree to Internet banking. Finally, the court, with the help of a cybercrime or the refusal of the parties, can not agree on the remuneration.
Generally, the question of liability is the following:
1. Account holder. If you have hacked money from your bank account and you are directly or indirectly guilty (opening suspicious e-mails, downloading unsafe, pornographic and similar material from a lot of unsubstantiated pages), the way to open a hacker to your personal data -Data, Passwords, user names, etc.
2. Your bank. If this was done by the bank's inadequate defense system, professional negligence or damage to the central computer, which caused not only you but also other users. As a rule, both banks are lucrative. One of the advantages of online banking is that banking services can be used anywhere from 24 hours to 365 days per year and it is useful not only for customers but also for the bank. And secondly, to prevent the banking reputation.
In one and the other cases, we are dealing with stealing identification data. As a rule, the hacker creates a virtual online banking page and then stolen the data. Easy advice: Never store your bank passwords on the computer!
There are many court cases in which the bank is also justified. Thus, the general rule above is only a recommendatory character and in case of an unsuccessful dispute, the court can only determine the circumstances of the particular case and how to reimburse the damage. Such kind of offenses come under section 3, 4, 5, 6, 7, 8, 13, 14, 16 of Prevention of Electronic Crime Act -2016, Pakistan.
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