Legal issues. In several countries legislation exists which provides the legal context for
internet and mobile payments. Where specific statutes do not exist, provisions of existing legislation are used. The EU legislative framework for internet and mobile payments, and for e-commerce in general, consists of several directives.25 The legal framework generally speaking deals with the rights and responsibilities of the user and the issuer, the provisions for consumer protection and recognition of digital signatures, and in some cases sets penalties for fraud.