E-COMMERCE AND FINTECH: LEGAL AND REGULATORY FRAMEWORKS

This integration has dramatically impacted global economies in terms of unprecedented innovation and efficiency in digital transactions and financial services. This industry has relied on technological power in order to build an experience of seamless usage, accessibility enhancement, and an extension of reach for a market where economic growth and social inclusion are supported.[1]. However, this growth also poses unprecedented legal and regulatory issues, mainly in the realm of privacy concerns, cyber security threats, and the complex jurisdiction where cross-border transactions are encountered.

This paper critically examines legal and regulatory frameworks governing e-commerce and fintech on both international and domestic levels, with a specific focus on India.[2]. It explores key legal instruments, such as the UNCITRAL Model Law, OECD guidelines, and India’s Information Technology Act, 2000, analyzing their effectiveness in addressing the challenges brought about by these rapidly evolving technologies.[3].

Further, the paper analyses significant case laws and interdisciplinary approaches with a view to unveiling insights into the preparedness of existing legal systems to respond to contemporary issues such as anti-money laundering and digital consumer protection. The analysis calls for harmonized and adaptive regulations that drive innovation while protecting consumer rights and financial stability.

With this, the study gives recommendations on how to further improve legal structures by crossing borders, improving domestic policy, and increasing public awareness as a way of bridging the gaps. With all these, stakeholders can deal with the dynamic nature of e-commerce and fintech, ensuring sustainable growth within the digital economy and ethical compliance.