Articles published on Online dispute resolution
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- Research Article
- 10.69849/7ydef765
- Jun 8, 2026
- Revista ft
- Barbara Brenda Pereira Peixoto Rocha + 8 more
The digital revolution has transformed social and legal relations, demanding the modernization of social pacification methods. In this context, self-compositional methods, such as mediation and conciliation, have also been applied in virtual environments through Online Dispute Resolution (ODR) platforms, especially following the 2015 Code of Civil Procedure and the Mediation Act. This study aims to analyze the transition and consolidation of digital self-composition in the Brazilian legal system, assessing the impacts of the internet on the principles of confidentiality, impartiality, and party autonomy. The research adopts a qualitative, exploratory, and descriptive approach, developed through the deductive method, with a bibliographic and documentary review of legislation, Resolution No. 125/2010 of the National Council of Justice, and scientific articles on virtual hearings, ODR, and artificial intelligence applied to dispute resolution. The results indicate that virtualization contributes to greater speed, cost reduction, and expanded access to justice, especially in conflicts marked by geographical distances. However, challenges persist related to digital exclusion, the impersonal nature of the virtual environment, and the preservation of confidentiality. It is concluded that digital self-composition is a consolidated trend, provided that the fundamental guarantees of the parties are preserved.
- Research Article
- 10.17803/1729-5920.2026.233.4.091-104
- May 4, 2026
- Lex Russica
- O V Sergeeva
The active development of the e-commerce market necessitates the timely improvement of mechanisms for interaction between parties to distance transactions. Both business (in terms of increasing competitiveness) and the state (in terms of economic development) have a stake in this. One particularly sought-after direction for modernizing distance interaction systems is ensuring a transparent and convenient mechanism for online dispute resolution at both the national and international levels. The paper analyzes approaches adopted in the APEC Cooperation Framework for Online Dispute Resolution of Cross-Border Commercial Disputes and the Model Law on Electronic Transactions of the Common Market for Eastern and Southern Africa (COMESA). It also examines the reasons for the discontinuation of the online consumer dispute resolution platform that operated within the European Union. An assessment is provided of the draft federal law «On Amendments to the Law of the Russian Federation ‘On the Protection of Consumer Rights’ and the Federal Law ‘On Alternative Dispute Resolution Procedures Involving a Mediator (Mediation Procedure)’” regarding the creation of a legal basis for the development of alternative online dispute resolution mechanisms. As part of the analysis of the feasibility of introducing a state platform for online dispute resolution, the paper examines the operation of similar mechanisms in Brazil and Kazakhstan. The author concludes that the development of the relevant regulatory framework must be based on a logically sound concept that arises from the needs of public authorities, private individuals, business structures, and public institutions, while taking into account modern economic, technological, and other realities, as well as both positive and negative international and foreign experience.
- Research Article
- 10.66301/jusr/vol4_iss4/art16
- Apr 30, 2026
- Journal of Universal Science Research
- Жасмина Эркинбаева
This article examines the legal regulation of online dispute resolution platforms (ODRs) in the international and national context. The study covers the concept, forms, and key features of online dispute resolution, and analyzes the existing legal framework, including UNCITRAL instruments, the 1958 New York Convention, and European Union regulations. Particular attention is paid to the situation in the Republic of Uzbekistan, where the legal framework for the operation of OPC platforms is still in its infancy. A comparative analysis of international experience identifies key issues—jurisdiction, the legal force of decisions, and the protection of participants' rights—and identifies promising areas for development in this area, including the implementation of artificial intelligence and the adoption of international standards.
- Research Article
- 10.25258/ijddt.16.21s.21
- Apr 28, 2026
- International Journal of Drug Delivery Technology
- Swapnil Mukherjee + 3 more
Alternative dispute resolution is absolutely vital for modern Indian justice today. Traditional civil courts have massive and unprecedented backlogs of pending cases at all times. Institutional arbitration offers highly structured and very fast legal justice solutions. The digital healthcare sector is growing at an extremely fast rate across India. Electronic pharmacies represent a massive shift in the delivery of modern medicine. Millions of citizens purchase essential medicine using complex mobile software applications. This is generating highly complex legal challenges across the country at a fast pace. Citizens often experience incorrect medicine or delayed pharmacy delivery. Supply chain experts experience damaged goods or unexpected payment failures. The online dispute resolution provides a perfect legal remedy for the aforementioned problems. The concept of online dispute resolution is the digital version of institutional arbitration conducted online. The empirical legal research subject is the specific digital technological change. The subject of the empirical legal research is the specific technological change. The empirical legal research is a thorough scientific investigation of the subject. The empirical legal research is conducted through the collection of primary data. The primary data is collected comprehensively from two distinct states of India. The primary data is collected through a thorough survey of professionals in West Bengal and the remote Nagaland state. The primary data is collected through strict random sampling of diverse professionals. The primary data is collected through a survey of eighty seven drug delivery professionals functioning in West Bengal. The primary data is collected through a survey of forty one pharmacy executives functioning in the remote Nagaland state. The primary data is analyzed through the R programming language. The primary data is represented clearly through formal statistical tables. We used proper mathematical models and complex statistical standard mathematical equations. Ninety-one percent of stakeholders require online arbitration to be mandatory. The law must change to allow for these new online arbitration processes quickly. The Arbitration and Conciliation Act needs special amendments for this. The law must be implemented properly to protect vulnerable consumers and online pharmacy businesses.
- Research Article
- 10.21202/jdtl.2026.4
- Apr 10, 2026
- Journal of Digital Technologies and Law
- S G Taddesse + 2 more
Objective: to explore the advantages, challenges and implications of integrating technologies, particularly online dispute resolution, into the dispute resolution system in India, with a particular focus on consumer protection disputes. Methods: the authors use general scientific methods of analysis and synthesis, as well as systematic, functional and comparative-legal approaches to systematically study the concept of online dispute resolution, its historical evolution and practical application with an emphasis on mediation procedures. The work is based on a doctrinal, qualitative approach with an analysis of current legislation, consumer protection standards, and the practice of judicial systems. Results: The results obtained indicate that online technologies significantly increase the efficiency and accessibility of dispute resolution. However, in India, their development faces serious obstacles, including the technical illiteracy of the population, the digital divide, concerns about the security and confidentiality of personal data, and the lack of clear regulatory legal documents. These restrictions hinder equal access to justice and highlight the need to develop comprehensive public policies and improve digital infrastructure. The work revealed a complementary role of artificial intelligence, electronic mediation and blockchain technology in ensuring fair and effective resolution of consumer disputes. Scientific novelty: it consists in a comprehensive review of the role of online dispute resolution within the Indian consumer protection system, taking into account modern technological transformations. The authors identify technological, legal and ethical issues that arise in this process and offer a vision of how digital transformation affects the administration of justice in the field of consumer protection. Practical significance: The study highlights the critical importance of strengthening digital infrastructure, increasing the level of digital and legal literacy of the population, and creating legislation to support the effective implementation of online dispute resolution in the Indian justice system. The work contains suggestions and recommendations for public and judicial authorities, technology developers and all stakeholders involved in the integration of digital tools into resolving consumer disputes, while ensuring fairness, inclusiveness and equal access for all participants in legal relations.
- Research Article
- 10.54648/eulr2026021
- Apr 1, 2026
- European Business Law Review
- Nashat Mahmoud Jaradt
This paper explores the dynamics of legal convergence and divergence in e-commerce contract laws, with a comparative focus on the United Arab Emirates (UAE) and the United Kingdom (UK). While the UAE, grounded in its civil law tradition, prioritizes arbitration and mediation for dispute resolution, the UK, guided by its common law roots, advances Online Dispute Resolution (ODR) platforms. These differences reflect broader socio-economic, cultural, and legal influences unique to each jurisdiction. By drawing on a detailed comparative analysis of legal frameworks, case law, and regulatory practices, this paper aims to identify actionable steps to harmonize crossborder dispute mechanisms. Ultimately, the study proposes pathways for fostering international cooperation and aligning with global standards, thereby advancing trust and innovation in digital commerce.
- Research Article
- 10.64882/ijrt.v14.is1.1068
- Mar 13, 2026
- International Journal of Research & Technology
- Prof (Dr.) Bhavish Gupta, Dr Govind Prasad Goyal
Computerisation of law is a big opportunity and a significant threat to the contemporary jurisprudence. This paper discusses the democratization of access to justice due to inclusion of legal technologies, and eliminates the access to justice gap that is endemic to all marginalized groups in the world. This paper investigates the question of whether technology in fact enhances access or merely creates new forms of exclusion by critically examining some of the new digital legal technology, artificial intelligence applications and online dispute resolution platforms. As evidenced by the paper, despite the opportunities offered by the digital transformation that the elimination of the legal services barriers has never been this minimal, the digital divide, the bias of the algorithms, the privacy of the data, and the loss of the human-centered approach to the legal advocacy remain the issues of concern. The paper relies on the factual data concerning various jurisdictions and it is assumed that the real democratization cannot be confined solely to the use of technologies but should be constructed in a particular fashion with the focus on equity, transparency, and procedural fairness. As it can be seen, participatory legal technologies must be designed with the participation of underserved communities, lawyers, and technologists. Besides, the paper claims that laws should be revised to ensure that such innovations can be utilized in the name of justice and not efficiency. This paper, lastly, recommends a normative model of evaluating digital law intervention, which identifies that the limitation of access to justice to technological access but must imply meaning, meaning, and empowerment of the law processes.
- Research Article
- 10.1002/crq.70034
- Mar 9, 2026
- Conflict Resolution Quarterly
- Sony Kulshrestha
ABSTRACT Alternative dispute resolution (ADR), specifically mediation, is one of the major tools that are now used to address the rising number of consumer market disputes in the physical and online marketplaces. With increasing numbers of individuals referring to the government agencies, private mediation centers, and online dispute resolution (ODR) platforms, the question remains: which of them is more productive, just, and efficient as an institution? This study examined the effectiveness of consumer mediation across government mediation forums, private mediation centers, and e‐commerce‐based ODR platforms. The research design was a mixed‐method one. The 500 consumer mediation cases were analyzed quantitatively to ascertain the degree of resolution, time to settlement and compliance on the postsettlement aspect in the institutional forums. This was complemented by the qualitative data that were acquired on 75 semistructured interviews with consumers and mediators, and enabled the gain of a better understanding of procedural fairness, power relations and experience by users. Qualitative data were analyzed through thematic analysis. The findings demonstrated significant variation in mediation outcomes across institutional settings. Private mediation centers and ODR platforms exhibited higher resolution efficiency and compliance rates, while government mediation forums showed comparatively lower performance, particularly in cases involving pronounced power asymmetry. Qualitative findings further revealed that perceptions of procedural fairness, mediator intervention, and institutional follow‐up mechanisms played a critical role in shaping trust and satisfaction with mediation outcomes. The paper concludes that the issue of institutional design has decisive power in the effectiveness and sustainability of consumer mediation. Procedural transparency, capacity of the mediator, and enforcement may be very beneficial in enhancing access to justice and consumer confidence in dispute resolution mechanisms, particularly in government forums.
- Research Article
- 10.38035/jlph.v6i3.3084
- Mar 5, 2026
- Journal of Law, Politic and Humanities
- Hawreyvian Rianda Seputra + 2 more
This study aims to analyze the arrangement and implementation of online medical dispute resolution in hospitals to ensure legal certainty, as well as formulate an ideal form of the resolution model to realize justice in the future. The research method used is normative juridical with a qualitative approach through a statute approach to health regulations and electronic transactions. Legal materials were collected through literature studies at the National Library and analyzed descriptively analytically to answer the complexity of medical disputes in the digital ecosystem. The arrangement for online medical dispute resolution currently still relies on Law Number 17 of 2023 concerning Health, which requires non-litigation mediation as a first step, as well as the ITE Law as the basis for the validity of electronic documents. Implementation in hospitals is still fragmentary through medical committees or internal complaint units that are limited to simple online communication, but do not yet have special regulations for Online Dispute Resolution (ODR) outside the courts that comprehensively regulate mediator standards and data security. The condition of the absence of a standard standard creates legal uncertainty, especially regarding the strength of execution of the results of online mediation agreements. The ideal model of the future requires an integrated ODR platform that includes video mediation features, encrypted medical records, as well as the involvement of a certified neutral mediator who understands health law and professional ethics. This system prioritizes the principle of restorative justice to restore the therapeutic relationship between patients and medical personnel through a transparent, efficient, and accountable process.
- Research Article
- 10.30639/cp.2026.2.30.1.271
- Feb 28, 2026
- Korea Association of the Law of Civil Procedure
- Hwayeon Lee
This article examines the design of a Korean-style online court from the perspective of securing procedural fairness in a digital environment. Although Korea has achieved a high level of judicial digitalization through electronic litigation and video hearings, these reforms have not yet transformed the entire dispute-resolution process into an integrated digital procedure. As demands for efficiency and accessibility continue to grow, the introduction of an online court model has emerged as an important policy issue. This study aims to identify the conditions under which such a model can be legitimately and stably introduced within the Korean judicial context. To this end, the article reviews prior research on Online Dispute Resolution (ODR) and comparative experiences from major jurisdictions, and empirically analyzes a survey of sitting judges. The results show that judges expect online courts to reduce litigation costs, improve time efficiency, and expand access to justice. At the same time, they regard as fundamental risks the weakening of judicial control over proceedings, the erosion of the basis for fact-finding and adjudication in non-face-to-face settings, and the possibility that digital disparities may lead to procedural inequality. Based on this analysis, the article derives three core design principles for an online court. First, judicial control over proceedings must be preserved through an appropriate restructuring of procedural arrangements in the online environment. Second, the reliability of fact-finding and adjudication must be protected against distortion in remote hearings. Third, inclusive procedures must be established so that technological disparities do not translate into procedural disadvantage. In line with these principles, the article emphasizes the need for institutional mechanisms that reinforce procedural control, provide a stable environment for judicial assessment, and offer support structures for digitally vulnerable users. By grounding its discussion in judicial perceptions and the Korean institutional context, this study presents a basic framework for designing a Korean-style online court. It contributes to ongoing debates on digital justice by showing that procedural fairness must be deliberately reconstructed in the course of judicial digital transformation, and it provides a foundation for future legislative and policy discussions on the introduction of online courts in Korea.
- Research Article
- 10.18623/rvd.v23.n4.4799
- Feb 12, 2026
- Veredas do Direito
- Le Thi Giang
This article examines the legal framework governing electronic contracts and consumer protection in Vietnam’s e-commerce environment following the 2023 Law on Electronic Transactions and the 2023 Law on Protection of Consumer Rights, effective from 1 July 2024. Using a normative legal research method, the article analyses statutory design and implementation under Decree No. 55/2024/NĐ-CP and Decree No. 194/2025/NĐ-CP detailing a number of articles of the Law on Electronic Transactions regarding national databases, data connectivity and sharing, and open data for electronic transactions of state agencies. The study identifies three core regulatory challenges: securing informed consent in standard-form online contracts, clarifying overlaps between consumer law and personal data protection, and establishing accessible online dispute resolution. It argues that Vietnam’s framework converges with key international reference points (UNCITRAL and OECD) but requires clearer coordination, stronger platform accountability, and a functional ODR mechanism to improve redress and trust. The article concludes with reform directions on transparency – by - design, proportionate sanctions, inter-agency coordination, and capacity-building for regulators and courts.
- Research Article
- 10.36745/ijca.635
- Feb 5, 2026
- International Journal for Court Administration
- Uchenna C Okeke
Access to justice remains a pressing concern in developing countries, where vulnerable populations often face significant barriers in seeking legal redress. However, the rapid evolution of technology presents opportunities to bridge the gap to access to justice. From digital courts and online dispute resolution platforms to artificial intelligence-powered legal tools, technology is increasingly being utilized to expand access to justice. Yet, despite how promising technology is, significant challenges persist, including issues of regulatory divide, digital divide, and infrastructure limitations. This article aims to contribute to the growing discourse on technology-enabled access to justice by examining its potential, highlighting innovative approaches, reviewing efforts from developing countries, and analyzing emerging technologies that can improve access to justice for all.
- Research Article
- 10.21043/tawazun.v8i2.35253
- Feb 2, 2026
- TAWAZUN: Journal of Sharia Economic Law
- Muhammad Syahri Ramadhan
<p><em>This paper examines in depth the dynamics of default in the Peer-to-Peer (P2P) Lending fintech industry in Indonesia and Malaysia, with a review from the perspective of Islamic Economic Law. Fintech has become a crucial tool for financial inclusion, but it also increases default risk, especially among young people. The research used is normative legal research with a comparative approach. This study describes how the two countries respond to these challenges through the harmonization of positive law and Sharia principles. Key findings show a glaring regulatory gap between the two countries. In Indonesia, legal protection for the parties remains weak because the DSN-MUI fatwa has not been fully integrated into binding positive law, and there is no efficient dispute-resolution mechanism. The phenomenon often leads to unethical billing practices and privacy violations, which are contrary to the principles of maslahah and muamalah ethics. In contrast, Malaysia features a more mature ecosystem, with strict personal data protection under the Personal Data Protection Act (PDPA) and effective financial dispute mediation institutions. Within the framework of sharia, this study highlights the relevance of the principle of justice as enshrined in QS. Al-Baqarah: 282. The study concludes that to mitigate the impact of defaults and ensure profitability, Indonesia needs to reform its regulations by adopting aspects of Malaysia’s fintech laws, enforcing digital ethics, and providing cheap, fast online dispute resolution to balance rights between creditors and debtors.</em></p>
- Research Article
- 10.70183/lijdlr.2026.v04.08
- Feb 1, 2026
- LawFoyer International Journal of Doctrinal Legal Research
- Kriti Agrawal
ALGORITHMIC ONLINE DISPUTE RESOLUTION AND THE FUTURE OF NEUTRALITY: CAN DIGITAL PLATFORMS REPLACE HUMAN ARBITRATORS? Kriti Agrawal, 8th Semester Student Pursuing BBA.LLB from Maharashtra National Law University, Chhatrapati Sambhajinagar (India) Download Manuscript doi.org/10.70183/lijdlr.2026.v04.08 The increasing institutionalisation of Online Dispute Resolution (ODR) reflects a structural transformation in contemporary systems of alternative dispute resolution. While early models The increasing institutionalisation of Online Dispute Resolution (ODR) reflects a structural transformation in contemporary systems of alternative dispute resolution. While early models of ODR were largely confined to facilitating communication, document exchange, and procedural coordination, recent platforms increasingly deploy algorithmic systems capable of predicting dispute outcomes, recommending settlements, and, in limited contexts, autonomously resolving disputes.
- Research Article
- 10.21869/2223-1501-2025-15-6-43-53
- Jan 28, 2026
- Proceedings of Southwest State University. Series: History and Law
- V R Babenkova + 2 more
Relevance. The category of online disputes is becoming particularly important in the context of de facto selfregulation of relations arising from the conclusion of contracts in the digital environment. The problem of the ineffectiveness of the traditional procedure for resolving mass consumer disputes in e-commerce has not yet been resolved. In Russia, the development of an online dispute resolution (ODR) system is in its infancy, and therefore a comparison of legislative approaches and practices for resolving disputes on platforms such as Taobao, Wildberries and the Online Court appears to be relevant and practically significant.The purpose is to establish the legal features of the online dispute resolution system involving consumers arising from the purchase of goods (services) on marketplaces in Russia and abroad and to develop recommendations for its improvement.The objectives include determining the current state and legal basis of ODR in Russia, identifying the best practices of the People's Republic of China using the example of the Taobao platform, comparing online dispute resolution models, and formulating recommendations for the development of this area.Methodology. The article is based on the dialectical method of cognition, as well as methods of analysis, description, generalization, formal-legal, systemic, and comparative-legal methods.Results. It is determined that the Russian ODR system is characterized by fragmentation, lack of unified legislative regulation and insufficient effectiveness of internal procedures of marketplaces. The features of successful foreign models are revealed, including tecnification, standardization of procedures and involvement of the user community.Conclusion. It is necessary to create a state-owned online switchboard service, ensure the independence of arbitration and overcome systemic barriers to the development of ODR. Only an integrated approach will make it possible to create an effective mechanism for protecting consumer rights in the digital environment.
- Research Article
- 10.62383/humif.v3i1.2837
- Jan 26, 2026
- Hukum Inovatif : Jurnal Ilmu Hukum Sosial dan Humaniora
- Ananda Clarissa + 4 more
The rapid growth of digital transactions through marketplace platforms has driven significant changes in the consumption patterns of Indonesian society. Behind the convenience and efficiency offered, online transactions also pose various legal risks for consumers, including product mismatches, fraudulent practices, and weak personal data protection. This situation creates an urgency to assess the effectiveness of the implementation of consumer legal protection in digital transactions. This study aims to analyze the level of effectiveness of consumer legal protection in digital transactions in Indonesian marketplaces and to identify obstacles in its implementation. The method used is normative legal research with an approach based on legislation and literature studies, particularly on the Consumer Protection Law, the Electronic Information and Transactions Law, and Government Regulation Number 80 of 2019. The research results indicate that although a legal framework for consumer protection is normatively available, its implementation has not been optimal. This is influenced by low consumer legal literacy, weak supervision and law enforcement, unclear responsibilities between business actors and marketplace platforms, and the suboptimal personal data protection system. Therefore, there is a need to strengthen regulations that are adaptive to digital transactions, enhance the role of marketplace platforms, and develop effective online dispute resolution mechanisms to ensure protection and legal certainty for consumers.
- Research Article
- 10.56301/awl.v8i2.2047
- Jan 23, 2026
- Awang Long Law Review
- Indri Yani Dewi + 1 more
The development of e-commerce in Indonesia and Thailand presents new challenges in consumer protection that require in-depth comparative studies. Consumers are in a relatively weak position due to limited access to inspecting goods directly, information asymmetry, and the potential risk of fraud and non-conformity of goods. This study analyzes two main research questions: first, how e-commerce transactions are regulated in Indonesia and Thailand; and second, how legal protection for consumers in e-commerce transactions compares in both countries. The research method uses a normative juridical approach with a statute approach and a comparative approach, with a descriptive analytical nature. Data are sourced from primary legal materials in the form of Indonesian and Thai laws and regulations, as well as secondary legal materials in the form of journals and scientific books, which are analyzed qualitatively. The results of the study show fundamental differences between the two countries. Indonesia has a fragmented regulatory system in various regulations, including Law No. 8 of 1999, the ITE Law, and Government Regulation No. 80 of 2019, which creates overlapping authority, applies a limited reverse burden of proof principle that still burdens consumers, and has a dispute resolution system through the BPSK (Regional Consumer Protection Agency) that is time-consuming and has a low level of compliance. In contrast, Thailand implements integrated regulations with the Consumer Protection Act as umbrella legislation, a strict liability principle that benefits consumers by only proving product defects, losses, and causal relationships, and an efficient dispute resolution system through the OCPB and Online Dispute Resolution with a high level of compliance. The existence of the OCPB as a specialized institution with administrative, mediation, and supervisory authority is a strength of the Thai system. The study recommends that Indonesia adopt an integrated approach, strengthen institutions, and develop a technology-based system to improve the effectiveness of e-commerce consumer protection within the context of ASEAN harmonization.
- Research Article
- 10.32664/icobits.v1.92
- Jan 20, 2026
- ICoBITS
- Elsa Puspita Bunga Sari + 2 more
The rapid development of the digital economy has transformed traditional contract formation and dispute resolution processes, creating both opportunities and challenges for legal certainty. In online transactions, the absence of physical presence, cross-border interactions, and reliance on automated systems complicate the determination of valid consent, evidence authenticity, and jurisdiction. This paper aims to examine the challenges to achieving contract certainty and effective dispute resolution in digital commerce, focusing on how digitalization affects contractual obligations, enforcement mechanisms, and consumer protection. Using a qualitative normative legal research method, this study analyzes legal frameworks, scholarly literature, and case precedents concerning electronic contracts and online dispute resolution (ODR). The findings indicate that ambiguity in digital contract terms, lack of uniform international standards, and limited consumer awareness remain major barriers to legal certainty. Furthermore, while ODR platforms offer efficiency and accessibility, they still face issues regarding data integrity, fairness, and enforcement of decisions across jurisdictions. The study concludes that strengthening digital signature legislation, harmonizing cross-border e-commerce regulations, and integrating artificial intelligence into dispute management systems can enhance contractual reliability and fairness. Practically, this research implies that policymakers and technology providers must collaborate to establish transparent and interoperable digital legal infrastructures that balance innovation with legal accountability.
- Research Article
- 10.51583/ijltemas.2025.1412000126
- Jan 14, 2026
- International Journal of Latest Technology in Engineering Management & Applied Science
- Anamika Kadam + 1 more
The story of online payments really begins with the boom of the internet and smartphones. Back in the late 1990s and early 2000s, “digital payments” mostly meant swiping a card or using a basic net-banking page. Things started to change once smartphones became common and mobile data turned cheap. Banks and young fintech companies jumped in, rolling out quicker and easier ways to pay without ever stepping inside a branch. For India, the big game-changer arrived in 2016 with the launch of the Unified Payments Interface (UPI). Its open design let any bank connect with any other in real time, so money could move instantly something people adopted at lightning speed. Government moves helped push things along too. The Digital India drive, the 2016 demonetization shock, and cashless incentives gave both shoppers and shopkeepers reasons to go digital. At the same time, wallet apps and fintech firms polished the experience with secure log-ins, QR codes, and slick app designs. In just a few years, a task that once meant standing in a bank queue could be done in seconds on a phone. This paper explores how people use and understand online payment apps, as well as what happens when payments fail or when complaints need to be raised. With the growing shift from cash to digital options like UPI, mobile wallets, and net banking, the convenience is clear. Still, many users face gaps in awareness especially around security, fraud risks, and the official channels available for resolving issues. This study does not collect fresh survey data but instead uses already available sources such as research papers, reports, and official guidelines to build a clear picture. The findings show that although the use of digital payments is rising quickly, many people are still not fully aware of grievance redressal options such as the RBI Ombudsman or online dispute resolution platforms. The paper also highlights the need for more consumer education, transparent complaint processes, and stronger digital literacy efforts to make online payments both safe and trustworthy.
- Research Article
- 10.2139/ssrn.6520158
- Jan 1, 2026
- SSRN Electronic Journal
- Zarbakht Ali Khan
The Future of Courts: Integrating ODR into Formal Judicial Systems of Pakistan