Law No. 20 of 2014 Concerning Electronic Transactions 8 and other related services. Electronic Transaction: Any transaction or agreement entered into or executed fully or partially via electronic means and correspondence. Automated Electronic System: An electronic computer software or system especially designed to independently initiate an action or respond to an action, completely or partially, without the intervention or supervision of any natural person at the time of initiating an action or responding to the same. Electronic Signature: The data that take the form of letters, numbers, symbols, signs or others. Such data is necessarily listed in, attached to or associated with an electronic document or record through electronic, digital, optical or other means. The data has the nature that identifie and distinguishes the person who signed the document or record. Protected Electronic Signature: The electronic signature fulfilling the conditions of Article (19) of this law. Electronic Signature Tool: A program or electronic data prepared uniquely to work independently or jointly with other programs and electronic data on placing the electronic signature of a certain person on the document. Such process includes any systems or devices that generate or capture unique data such as symbols, algorithms, letters, numbers, private keys or profile identification numbers or properties. Signatory: The natural individual or juridical person who owns the data and tool for the creation of an electronic signature. He shall sign for himself or on behalf of his deputy or legal representative the electronic document, record or message using such tool and data. Electronic Payment: The process of transferring and paying money via electronic means. Means of Electronic Payment: The means through which the person can make electronic payments. Financial Institution: The bank, financial company or investment company “financing activity” or exchange company subject to the supervision of the Central Bank of Kuwait or any instruction authorized to make cash transfers or electronic payments in accordance with the provisions of the applicable laws. Illegal Record: Any financial record on the account of the customer as a result of an electronic message sent in his name without his knowledge, consent or authorization. Authentication Services Provider: The natural individual or juridical person who is authorized or licensed by the competent authority to issue electronic