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INTERNATIONAL JOURNAL OF CREATIVE RESEARCH THOUGHTS - IJCRT (IJCRT.ORG)
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Published Paper Details:
Preparedness of Urban Co-operative Banks for Digitization : A Literature Review on Problems and Challenges
Authors
Shaila Temkar
Downlaod Center
Keywords
Digitalization, Urban Co-operative banks, Problems, Challenges, and Literature review
Abstract
The digitalization of Urban Co-operative Banks has emerged as a critical area of focus in the banking industry. This paper presents a comprehensive review of the literature on the preparedness of Urban Co-operative Banks for digitalization, highlighting the problems and challenges they face in adopting and implementing digital technologies. The literature review reveals that while digitalization offers significant opportunities for Urban Co-operative Banks to enhance their operational efficiency and customer experience, there are several challenges that need to be addressed. These challenges include inadequate IT infrastructure, limited financial resources, lack of technical expertise, resistance to change, concerns around cyber security and data privacy, and compliance with regulatory requirements. The paper emphasizes the importance of strategic planning, investments in technology infrastructure, skill development, collaborations, and continuous monitoring in overcoming these challenges. Collaborative partnerships with technology vendors, Fin-Tech companies, and regulatory authorities can facilitate the digitalization process for Urban Co-operative Banks. The paper concludes by highlighting the need for Urban Co-operative Banks to proactively prepare for digitalization and continuously evaluate the impact of digital transformation efforts to stay competitive in the rapidly evolving banking landscape.
IJCRT's Publication Details
Unique Identification Number - IJCRT2304516
Paper ID - 234584
Author type - Indian Author
Page Number(s) - e237-e241
Pubished in - Volume 11 | Issue 4 | April 2023
DOI (Digital Object Identifier) - http://doi.one/10.1729/Journal.33944
No Of Downloads - 117
Author Country - India, 500027, Hyderabad, Hyderabad, 500027, Management All
Publisher Name - IJPUBLICATION | www.ijcrt.org | ISSN : 2320-2882
E-ISSN Number - 2320-2882
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Shaila Temkar, "Preparedness of Urban Co-operative Banks for Digitization : A Literature Review on Problems and Challenges", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.11, Issue 4, pp.e237-e241, April 2023, Available at :http://www.ijcrt.org/papers/IJCRT2304516.pdf
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The International Journal of Creative Research Thoughts (IJCRT) aims to explore advances in research pertaining to applied, theoretical and experimental Technological studies.
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International Journal of Creative Research Thoughts (IJCRT)
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ISSN: 2320-2882 Impact Factor: 7.97 and ISSN APPROVED Journal Starting Year (ESTD) : 2013
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ISSN: 2320-2882 Impact Factor: 7.97 and ISSN APPROVED Journal Starting Year (ESTD) : 2013
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