Regulations Concerning the Licensing and Operations of Electronic Payment Services in Liberia internal network and having network traffic passing through the entity’s firewall or gateway appliance, shall at the minimum address issues relating to security, non-repudiation, data integrity and confidentiality. d. the electronic payment channels shall provide an accurate and fully accessible audit trail of transactions from the origin of the payment instruction to its finality; e. the electronic payment channels have the potential of providing services to a wider country outreach; f. the participants to the electronic payment schemes are provided certainty of finality of their payments; g. An enforceable legal framework for the provision of the services is available which covers all parties in the transaction. The legal framework shall be transparent and shall provide efficient dispute resolution mechanisms; h. the pricing policies take into account cost and affordability of the services to a wider market reach; i. that e-payment services are transparent; j. a cost-benefit analysis has been conducted of the provision of the electronic payment services; k. it has considered legal developments (including compliance) and the business environment including external and internal threats; l. the participants to electronic payment schemes are provided certainty of finality of their payments; m. a electronic payment schemes shall be available to its participants at all times, to protect the users of the services; 11.0 OUTSOURCING 11.1 Any e-payment service provider deciding to use third parties to provide electronic payment services, must exercise appropriate due diligence in evaluating their reputation, financial status, and viability. 11.2 All e-payment service providers must ensure that such third parties can perform as promised and that they are capable of keeping abreast of new or changing technology. 11.3 All e-payment service providers must ensure that adequate controls are in place to monitor performance levels and to swiftly respond to any problem or emergency, by providing specific performance benchmarks to the service provider. 12