Criminal liability of third parties for illegal use of digital banking operations

This study examines the criminal liability of third parties for the illegal use of digital banking and electronic payment methods. The study examines the regulation of digital banks in Algeria under Monetary and Banking Law 23-09. Despite ratifying the Arab Convention on Combating Cybercrime in 2010, Algeria has yet to issue legal texts that criminalise these acts. This has prompted judges to adapt these newly introduced crimes according to the current Penal Code. In contrast, European law has criminalised illegal acts in the digital environment affecting both traditional and digital banks, as well as physical and non-physical payment methods. This has urged EU member states to align their domestic laws with European regulations.