2025, Vol. 6, Issue 2, Part V

This study examines the status and effectiveness of Information Technology (IT) initiatives in District Central Co-operative Banks (DCCBs) of Haryana. As cooperative banks play a pivotal role in rural financial inclusion and operational efficiency, the integration of IT systems such as Core Banking Solutions (CBS), digital payment platforms, and customer service applications is essential for sustainable development. The research adopts a cross-sectional descriptive and analytical approach, collecting primary data from 150 respondents including bank staff, branch managers, and IT officials. Secondary data from annual reports and institutional publications complement the survey findings. Analytical techniques such as descriptive statistics, Cronbach’s alpha reliability analysis, and one-sample t-tests are applied to evaluate the level of adoption, operational integration, and staff perceptions across four IT initiative dimensions: Transaction Services, Customer Convenience, Financial Inclusion, and Security & Authentication.

The results indicate that IT initiatives are well-integrated and positively perceived, with Transaction Services and Financial Inclusion showing the highest adoption levels. Gender-based analysis reveals consistent recognition of IT effectiveness among both male and female staff, though areas such as Customer Convenience and Security & Authentication require further strengthening. The study highlights that while DCCBs in Haryana have made significant technological progress, achieving complete digital transformation demands continued investment in infrastructure, cybersecurity, staff training, and rural outreach.

These findings provide actionable insights for policymakers, cooperative bank management, and regulators to enhance IT governance, operational efficiency, and financial inclusion, thereby supporting the broader agenda of digitalization in India’s cooperative banking sector.