Technology Law and Digital Law

The Reserve Bank of India's latest amendment on digital fraud fundamentally reshapes liability in India's financial ecosystem by mandating that banks immediately credit fraud victims before determining fault, effectively ending the long-standing practice of institutional finger-pointing. This decisive regulatory intervention forces banks to absorb third-party breach losses upfront and recover separately from responsible intermediaries, prioritizing consumer protection over institutional convenience.

India’s digital payments landscape / ecosystem has grown exponentially and at a pace that regulators struggled to match. The rules governing automatic recurring charges remained scattered across multiple directives issued at different times.

The global intellectual property landscape is undergoing a fundamental transformation as traditional enforcement mechanisms prove inadequate against the speed and scale of digital infringement.

Data has become a critical governance and risk management asset for financial institutions, prompting regulators globally to adopt more structured approaches to data governance. On 15 July 2026, the Reserve Bank of India (RBI) released a draft ‘Guidance on Regulatory Expectations for Data Governance’ (Draft Guidance).

Connected vehicles increasingly resemble computers on wheels. They rely on continuous data flows for safe operation, navigation, infotainment and driver-assistance features. This data - called telemetry-travels through Machine-to-Machine SIM cards (M2M SIMs), embedded SIMs (eSIMs), dedicated short-range communication (DSRC), cellular vehicle-to-everything(C-V2X) and cloud platforms. In India, each of these building blocks is regulated, but through separate legal framework rather than a unified regulation.

India's digital payments ecosystem has transformed financial accessibility, but it has also created new vulnerabilities through SIM swap fraud, phishing, and social engineering attacks. Recent High Court decisions are reshaping how liability is allocated among banks, telecom providers, and customers when unauthorized electronic banking transactions occur, establishing that responsibility increasingly rests with whichever participant first compromised the digital authentication process.

Argus Partners maintains multiple office locations to serve clients across different regions. The firm operates under strict Bar Council of India guidelines that prohibit solicitation and advertising, ensuring all client interactions are initiated independently and comply with professional legal standards.

Generative artificial intelligence (“Gen-AI”) is an idea whose time has come. It is no more the future of technology but its present. Gen-AI is today being used in every aspect of our professional, business, and personal lives. As with the advent of every technological development, the world is finding itself in a vacuum on existing regulations to streamline and regulate the scope of such technology.

GCC organizations keep expanding the way most successful businesses do. First, a holding company is incorporated in the UAE. It opens a branch in Saudi Arabia. Another entity follows in Bahrain or Qatar. At each stage, the finance team sets up a fresh Zoho Books organization to manage the accounts of that entity. It's a smart, practical choice, and it serves each entity well on its own. A well-planned Zoho Books setup becomes even more valuable as the organization expands across multiple Gulf markets.