scholarly journals CONSUMER PROTECTION MEASURES FOR ERRONEOUS OR UNAUTHORIZED INTERNET PAYMENTS: SOME LESSONS FROM THE EUROPEAN UNION?

Obiter ◽  
2021 ◽  
Vol 31 (2) ◽  
Author(s):  
Vivienne A Lawack-Davids ◽  
Frans E Marx
Keyword(s):  
South Africa ◽  
European Union ◽  
Consumer Protection ◽  
Credit Card ◽  
Third Parties ◽  
The Internet ◽  
The European Union ◽  
Protection Measures ◽  
Payment Instruments

The increase in cyber malls or internet shops presents consumers with a magnitude of goods, including digitized goods and information to choose from. In purchasing these commodities, the internet, in particular, offers the consumer various payment possibilities, such as credit card and online fund transfers to third parties. However, these payment instruments are not flawless. Errors may occur whilst the consumer is making such payment, the system may malfunction or unauthorized payments may be made.The aim of this analysis is to ascertain whether the existing law has measures that would be wide enough to protect a consumer in these instances. The position in South Africa is evaluated against this background and compared with the position in the European Union. 

Nowe podejście do harmonizacji technicznej w Unii Europejskiej a swoboda przepływu towarów

2016 ◽  
pp. 70-86
Author(s):  
Iwona Miedzińska
Keyword(s):  
European Union ◽  
Consumer Protection ◽  
Rational Choice Theory ◽  
Choice Theory ◽  
Single Market ◽  
The European Union ◽  
Primary Method ◽  
Effective Response ◽  
New Approach ◽  
Free Movement Of Goods

This article is about the new approach directives and their impact on ensuring the free movement of goods in the single market. The author analysed the relevant legislation of the European Union adopted in the field of technical harmonisation: regulations and directives. The primary method of research used in this article is the legal and institutional analysis. Neofunctionalism and rational choice theory were also helpful to explain the processes of integration in this area. The analysis shows that the new approach directives affect the streamlining of procedures for the movement of goods in the single market. However, despite the simplification of procedures for the movement of goods, an adequate level of safety and consumer protection is ensured. The member states and the European Commission have effective response mechanisms when a product endangers life, health or safety of consumers.

Towards an Extensive Statutory Protection of Consumers in Timeshare Agreements: A Comparative Perspective

2021 ◽  
Vol 29 (1) ◽  
pp. 117-137
Author(s):  
Yeukai Mupangavanhu
Keyword(s):  
South Africa ◽  
Consumer Protection ◽  
The European Union ◽  
Time Sharing ◽  
Related Services ◽  
Consumer Protection Act ◽  
Statutory Protection ◽  
Unfair Terms ◽  
High Level

Timeshare property interest has become a major business worldwide. The protection of consumers in various timeshare-related contracts has been characterised by challenges due to outdated laws, lack of appropriate legislation as new products are introduced on the market as well as the inclusion of unfair terms. The European Union (EU) adopted the Timeshare Directive 2008/122/EC which governs a broad range of timeshare-related contracts, namely: timeshare, long-term holiday products, and resale and exchange contracts. In comparison, South Africa and Kenya do not have consolidated legislation that govern timeshare-related contracts. In South Africa, timeshare agreements fall under the Consumer Protection Act 68 of 2008, the Property Time-sharing Control Act 75 of 1993 as well as under common law. In Kenya, the Consumer Protection Act 46 of 2012, which was revised in 2016, governs specific consumer agreements including timeshare contracts. The article compares the position of consumers who enter into timeshare-related services in South Africa, Kenya and the EU. It is argued that the problems faced by consumers who enter into timeshare-related contracts in South Africa and Kenya necessitate legislative protection which should consist of a consolidated statute that specifically regulates such contracts for the attainment of a high level consumer protection.

Credit card payments: do cultural values matter? Evidence from the European Union

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Delia Cornea
Keyword(s):  
European Union ◽  
Cultural Values ◽  
Risk Taking ◽  
Credit Card ◽  
Generalized Method Of Moments ◽  
Dynamic Panel Data ◽  
Content Type ◽  
Consumption Behavior ◽  
Payment Instruments ◽  
Credit Card Usage

PurposeThis study analyzes how cultural and social values shape specific attitudes toward credit cards and indebtedness and consumption behavior.Design/methodology/approachThe study uses a panel dataset for a selection of European Union countries from 2003 to 2016. The relation between credit card use and social and cultural attitudes is constructed by controlling for past habits in payment behavior and cross-substitution with alternative payment instruments by employing a dynamic panel data analysis based on the system Generalized Method of Moments (GMM) estimator.FindingsThe total value of credit card payments positively correlated with values emphasizing risk-taking attitudes. When analyzing the propensity of using these instruments for larger purchases, the level of trust is the most relevant predictor. However, the results seemed region-specific with some variables correlating consumption behavior with credit card usage depending on the political and the economic background of the country. Moreover, risk-taking attitudes prevail when they are related to the extent to which countries rely on cash as a preferred payment instrument. Also, credit card usage is mainly explained by past habits and the economic context.Originality/valueThe model expands on previous credit card transaction research by including an additional set of cultural values able to account for the complex nature of payment instruments and their effects on indebtedness and consumption behavior.

scholarly journals Compliance of Lebanese Pickling Industry with Lebanese and International Standards

2020 ◽  
Vol 8 (7) ◽  
pp. 1559-1563
Author(s):  
Sami Tlais ◽  
Hayat Omairi ◽  
Ali Al Khatib ◽  
Hassan HajjHussein
Keyword(s):  
European Union ◽  
Consumer Protection ◽  
New Products ◽  
International Standards ◽  
The European Union ◽  
Alert System ◽  
News Reporting ◽  
The Public ◽  
Food And Feed ◽  
Rapid Alert System

In light of recent news reporting the use of banned colorants in Lebanese-made pickled turnips exported to the European Union (EU) by the Rapid Alert System of Food and Feed (RASFF), The Lebanese Consumer Protection Association tested samples of pickled turnips being sold to the public and confirmed the use of rhodamine B. Many products were pulled off the market and were replaced with new products that were supposed to be free of any banned colorants. We selected 5 different brands of pickled turnips and tested them for pH, salinity, nitrites, and colorants. We tested the salinity using two methods: evaporation and titration. The concentration of nitrites was tested by absorbency method. The presence of colorants was determined using TLC and absorbency method. We determined that the newly released pickled turnips comply with the rules and regulations adopted by the Lebanese Standards Institution (LIBNOR) and the international standards according to the Codex Alimentarius.

The competence of the European Union in the field of consumer protection after the reform of the Lisbon Treaty

2021 ◽  
pp. 204-206
Author(s):  
Saglar Sergeevna ASHTAEVA ◽  
Victoria Mikhailovna Romadikova ◽  
Nina Viktorovna TSUGLAEVA ◽  
Anastasia Radionovna KIM ◽  
Badma Alekseevich TYURBEEV
Keyword(s):  
European Union ◽  
Consumer Protection ◽  
Lisbon Treaty ◽  
The European Union
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