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"Balancing Accountability in Electronic Fund Transfers: A Comparative Legal Analysis of Australia and the U.S."

Abstract In recent years, Electronic Funds Transfer (EFT) services have become a cornerstone of modern financial transactions, offering numerous advantages in terms of speed, convenience, and security. However, the widespread adoption of EFT has also raised complex legal issues, particularly concerning the allocation of responsibility between consumers and financial institutions in cases of unauthorized transactions, system errors, and other risks associated with EFT.

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