[brnt]

> What does direct bank transfers offer in the way of dispute resolution?

It's just not something that comes up. The number of such stories I read on here/through Anglo-Saxon sources far outnumbers the number of local problems. Fewer shady sellers, perhaps?

To your question: although not as easy as a charge back, banks let you appeal. Some (perhaps many now) also offer cheap or free 30/90/365 day purchase insurance.

Also, for small value transactions there's a special legal channel.