This study investigates the concept of the electronic check, which emerged with the rise of electronic commerce as one of the advanced instruments of payment. Its significance for the banking services sector lies in the speed and security it offers through reliance on electronic signatures, in addition to the relative ease of legal transactions due to its electronic nature. The research addresses the central problem of the absence of a specific legal framework regulating the electronic check, as its provisions are currently referred to those governing the traditional check despite its distinct features.
The study is structured into two main sections. The first introduces the electronic check by clarifying its concept and examining its legal regulation. The second explores the rules governing its creation, issuance, and circulation. Methodologically, the research adopts both descriptive and analytical approaches through the review and analysis of relevant legal texts.
The findings reveal that the electronic check is essentially the digital equivalent of the traditional check, incorporating the same substantive data but distinguished by its electronic medium. This grants it a unique nature in terms of creation and circulation, where it functions as an electronically signed data message.