Depending on the amount of data to process, file generation may take longer.

If it takes too long to generate, you can limit the data by, for example, reducing the range of years.


Download BibTeX


Cyberattacks and the bank’s liability for unauthorized payment transactions in the online banking system : theory and practice


[ 1 ] Wydział Prawa i Administracji, Akademia Sztuki Wojennej | [ 2 ] Wydział Bezpieczeństwa Narodowego, Akademia Sztuki Wojennej | [ P ] employee

Scientific discipline (Law 2.0)

[6.3] Security studies
[6.7] Law

Year of publication


Published in

Cybersecurity and Law

Journal year: 2023 | Journal number: nr 1(9)

Article type

scientific article

Publication language


  • Cyberattack
  • Cybercrime
  • Cybersecurity
  • Financial security
  • Electronic banking
  • European Union
  • Finance
  • Law
  • Poland
  • Unauthorized payment transactions
  • Bankowość elektroniczna
  • Bezpieczeństwo finansowe
  • Banki
  • Bankowość mobilna
  • Cyberprzestępczość
  • Finanse
  • Klient
  • Nieautoryzowane transakcje płatnicze
  • Pieniądz elektroniczny
  • Polska
  • Prawo
  • Prawo bankowe
  • Prawodawstwo
  • Przestępstwo komputerowe
  • Usługi elektroniczne

EN The article discusses the matter of contemporary cyberattack techniques aimed at the financial security of banks and their clients and presents the relationship of banks with their clients in the light of the applicable provisions of the European Union (Directive of the European Parliament and the EU Council 2015/2366 of November 25, 2015 on payment services in internal market) and the Polish Act of 19 August 2011 on payment services. The authors also analyze the practical side of the relationship between banks and their customers who have fallen victim to computer fraud, pointing out that the common practice of banks refusing to return funds stolen from their customers in the electronic banking system is inconsistent with the applicable standards of Polish and European law.

Pages (from - to)

108 - 126

Copyrights to the institution

Akademia Sztuki Wojennej

Ministry points / journal