Digital Transformation in Cooperative Banking: An Empirical Analysis of Digital Banking Services in the Tamil Nadu State Cooperative Bank and District Central Cooperative Banks
G.Vigneshwaran
Digital transformation has reshaped Cooperative baking by improving the accessibility and efficiency of financial services. This study examines the digital banking performance of the Tamil Nadu State Cooperative Bank and District Central Cooperative Bank using secondary data for February- March 2026. The findings show that total digital transactions increased from 13.83 million to 14.51 million, recording an overall growth of 4.92%, with UPI emerging as the dominant payment platform. The study concludes that digital banking has strengthened customer convenience, operational efficiency, and financial inclusion in the Tamil Nadu cooperative banking sector.