Preliminary Sections
| Author | Matthew Richardson |
| Pages | 1-14 |
Dr Matthew Richardson Second Edition
Dr Matthew Richardson Second Edition
Wildy, Simmonds & Hill Publishing
© Matthew Richardson, 2019
Contains public sector information licensed under the Open Government Licence v3.0
ISBN: 9780854902811
British Library Cataloguing in Publication Data
A catalogue record for this book is available from the British Library
The right of Matthew Richardson to be identified as the author of this Work has been asserted by him in accordance with sections 77 and 78 of the Copyright, Designs and Patents Act 1988.
All rights reserved. No part of this book may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without the consent of the copyright owners, application for which should be addressed to the publisher. Such a written permission must also be obtained before any part of this publication is stored in a retrieval system of any nature.
All reasonable care was taken in the preparation of this book, but any person relying on any of the statements, express or implied, in this book does so entirely at his or her own risk and without liability on the part of either the author or the publisher.
First edition 2014
This edition published in 2019 by
Wildy, Simmonds & Hill Publishing
Wildy & Sons Ltd
Lincoln’s Inn Archway
Carey Street
London WC2A 2JD
www.wildy.com
Typeset by Heather Jones, North Petherton, Somerset.
Printed in Great Britain by CPI Antony Rowe, Chippenham, Wiltshire.
For Erica
Foreword
In 2014, when the first edition of this book was written, cash had just been toppled from its position at the top of the financial transactions food chain, as electronic forms of payments such as direct debits comprised 52% of all transactions. Cash remained the predominant choice for shoppers, however, until 2017 when its crown was taken by the debit card. In 5 years, this change has been seismic, and the indications are that contactless will very soon become the predominant form of cashless transaction. This illustrates the enormous benefit that the cyber and online world brings to our lives, the way it is transforming our lifestyles, and the ever-increasing pace of change. We live our lives increasingly online and even our most mundane of domestic appliances are now linked through the internet of things. These are all ways in which modern life is becoming more connected, more data dependent, and increasingly remote from the world in which much of our legislation was framed.
But it is not just financial crime where there is change. The growth in social media and the use by companies of big data to target advertising is enabling a rise in harassment and abuse online, and increasing social problems through pressure to keep ahead of trends or fashions. The line between legitimate and inappropriate manipulation of data is increasingly blurred.
The law faces two challenges. First, the growth of criminality in cyberspace, as the falling cost of acquiring malware and ransomware, coupled...
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