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An Overview of usage pattern of Information Technology in co-operative banks in Ahmednagar District


  • Institute of Management Studies Career Development & Research, Ahmednagar., India


Due to liberalization like many other sectors, banking sector has also undergone a drasticchange. Use of information technology and revision of licensing policy has widened geographic scope of banking services(Patil Y.S,2003).
The present article is an attempt to take overview of these changes as experienced by bank employees. The present study is based on survey of 400 employees from 16 cooperative banks out of 21 banks having their head office in Ahmednagar district. The average proportion of bank employee in sample is 15% of total bank employees.
The data through structured questionnaire mostly on 5point likart's scale is collected from sampled respondents. The collected data is analyzed by using statistical tools like factor analysis and chi-square test for independence of attributes. The article presents analysis based conclusions about the awareness of IT Act 2008 and its amendments, functional facilities available in respective banks. The conclusions about security and fraud freeness, impact of computerization, professionalism in banking and customer satisfaction are also drawn.


IT, ICT, IDRBT, IT Related Services, RBI, SMS, Net Banking

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  • Department of CooperativeREPORT on ‘As –Is’ studies on IT usage & Level ofcomputerization and IT / eGovernance RoadmapFebruary 2007
  • Deshpande A.G , Chairman, The Maharashtra Urban Co-operative Banks Federation Ltd; speech on The Future of UCBs in India 2005 pp 1-9
  • DuvvuriSubbarao, Governor, Reserve Bank of India, at the Banking Technology Excellence Awards 2009 at the IDRBT Hyderabad, June 18, 2010.
  • Gupta Subodh - Information and Communication Technology (ICT) Survey of District Central Cooperatives Banks (DCCB) and Micro Finance Institutions (MFIs) in India (January-March 2007)
  • PatilDr.Y.S. - Information Technology for Cooperative banks, 2003,pp 1-3
  • PatilDr.Y.S. - Computerization in cooperative banks 2004, pp 1-3
  • Patil S.G. -Report of the High Powered Committee on Cooperatives May 2009 pp 31-38
  • Sekar V.G. - Emerging trends in technology adoption by Indian banks and IT Governance 2004, pp 1-8


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