Law No. 20 of 2014 Concerning Electronic Transactions Chapter Six Electronic Payment Article (28) Money transfer via electronic means is an acceptable way for settling payments. This law does not, in any way, affect the rights of others established under the laws or any other agreement. Article (29) Any financial institution which carries out electronic payment business pursuant to the provisions of this law and the Executive By-Law therefore, and the regulations issued thereto, shall comply with the following: A. Adhere to the provisions of Law No. 32 of 1968 concerning cash, the Central Bank of Kuwait, regulation of the banking profession and other laws and instructions issued in this regard, and Law No. 106 of 2013 Anti-Money Laundering and Counter-Terrorism Financing. B. Take the necessary procedures for the provision of safe services to the customers and maintain the banking secrecy in accordance with the legal standards followed in this regard. Article (30) The customer shall not hold the responsibility of any illegal record on his bank account by electronic payment if he initiates to inform the financial institution, before making such record, that he stopped the force of his electronic signature due to concerns that others might have access to this account, that he may lose the electronic payment means, or that it has been found that others have access to his electronic signature The customer shall hold the responsibility for any illegal usage of his account by electronic payment if it is proved that his negligence has led or contributed basically and that the institution has done its duty to prevent the illegal use of that account. In electronic payments, no amendment or change shall be made to the electronic document or record once sent by the creator. Any cancellations must be done using an independent electronic document or record. 20 Article (31) The Central Bank shall issue the necessary instructions for the banking and