the FSC requires all banks to offer basic, essential financial services on their accessible online banking platforms, and 36 domestic banks and the Chunghwa Post Office have all added wire transfer functions (to both pre-designated bank accounts and other bank accounts) to their accessible online banking platforms and mobile banking APPs, the functions offered by these platforms and APPs still do not mirror or compare to those offered by general online banking platforms.55 The FSC encourages all banks to offer the same functions on their general and accessible online banking platforms. Unfortunately, no deadlines have been set for them to do so. Additionally, the NHRC would like to point out that the remarkable development of smartphone accessibility functions has enabled persons with visual impairments to use a smartphone without any difficulties. Likewise, banks should improve the functions of their mobile banking APPs as soon as possible. 58. Representatives of disabled persons’ organizations indicate that persons with visual impairments can purchase and sell securities over the phone or by using automated purchase and sales systems (for the latter, securities dealers call back to verify the transactions with the caller). However, such individuals cannot purchase and sell securities online or visit insurance companies’ official websites to purchase insurance online56. Article 10: Right to life 59. Although Taiwanese laws exempt persons who are declared insane from capital punishment, no written laws detailing the standards and procedures to be used to determine whether persons are of sound mind are in place. Based on Points 34 and 35 of the Concluding Observations of the ROC’s Initial CRPD Report, the 55 56 Most banks offer the following main functions on their online banking platforms: New Taiwan dollarrelated services such as checking account balance, transaction history, interest and exchange rates; wire transfer-related services such as making wire transfers to pre-designated bank accounts and other bank accounts (in New Taiwan dollar or foreign currency); online ATM services; and other services such as changing user codes and passwords, activating credit cards and reporting lost credit cards, and applying for bank fee reductions as persons with disabilities). Information obtained from Q&A for Friendly Financial Services for the Taiwan Securities Association Members; and Q&A for Friendly Financial Services for the Life Insurance Association of the Republic of China/the Non-Life Insurance Association of the Republic of China. 44