The Microfinance Review

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Technology Banking in Cooperative Banks: An Assessment


Affiliations
1 Bankers Institute of Rural Development (BIRD), Lucknow, India
2 BIRD, Lucknow, India
     

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This paper aims to examine various issues being faced by the cooperative banks in adopting new technology and also the impact of computerisation on their operation and business. For the purpose of analysis, a survey was conducted among 41 branches of 13 banks (9 District Central Cooperative Banks and 4 State Cooperative Banks) operating in six states such as Assam, Gujarat, Himachal Pradesh, Odisha, Telangana and Uttar Pradesh. The study reveals that a majority of customers (95%) find that number and quality of banking services have increased due to the implementation of core banking solutions (CBS). There has been a varying trend across banks in so far as the impact of CBS on their financial performance is concerned. Notably, the cooperative banks could retain their customers and business subsequent to the CBS implementation.

Keywords

Technology, Computerisation, Cooperative Banks.
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  • Beck, T, A Demirguc-Kunt and M S Martinez Peria (2005): Reaching Out: Access to and Use of Banking Services Across Countries, World Bank.

  • Fourth Sector Development Initiative (2017): Financial Sector Indicators Note-7, “Measuring Banking Sector Outreach”, Financial Sector Operations and Policy, Financial Sector Development Indicators, http://FSDI, accessed on November 6th, 2017.

  • National Bank for Agriculture and Rural Development (2018): Report of the Committee for Assessment of Human Resources of STCCS in the Post-CBS Environment, NABARD, Mumbai.


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  • Technology Banking in Cooperative Banks: An Assessment

Abstract Views: 177  |  PDF Views: 0

Authors

Raj Kumar
Bankers Institute of Rural Development (BIRD), Lucknow, India
M. R. Gopal
BIRD, Lucknow, India
Gyanendra Rout
BIRD, Lucknow, India

Abstract


This paper aims to examine various issues being faced by the cooperative banks in adopting new technology and also the impact of computerisation on their operation and business. For the purpose of analysis, a survey was conducted among 41 branches of 13 banks (9 District Central Cooperative Banks and 4 State Cooperative Banks) operating in six states such as Assam, Gujarat, Himachal Pradesh, Odisha, Telangana and Uttar Pradesh. The study reveals that a majority of customers (95%) find that number and quality of banking services have increased due to the implementation of core banking solutions (CBS). There has been a varying trend across banks in so far as the impact of CBS on their financial performance is concerned. Notably, the cooperative banks could retain their customers and business subsequent to the CBS implementation.

Keywords


Technology, Computerisation, Cooperative Banks.

References