• ANGEL JENITA
• Dr. C. THILAKAM

Information and Communication Technology (ICT) is increasingly becoming an invaluable and powerful tool driving economic development of a nation. Corporate entities around the world are considering it as a powerful tool of improving customer service quality, reducing cost of operation, better management of risk and security, reaching global market, increasing productivity and enhancing competitiveness. Worldwide, banking sector had adopted ICT in all its areas of operations. Indian banking sector is not lagging behind in adoption of ICT. Indian banking sector is front runner in adoption of ICT. The robust growth of Indian banking sector can be attributed to adoption of ICT. ICT had helped the Indian banking sector to offer value added as well as quality service to customers, reducing cost of operation, better management of risk and security and offering innovative products to customers. Indian commercial banks were able to adopt ICT and were successful in revolutionizing the banking sector. But, the Co-operative banking system in the country found to be lagging behind in adoption of ICT. This has encouraged the researchers to take up the present study. The study aims to find out the awareness level among management of co-operative banks about the ICT practices do adopted by them. The study reveals that co-operative banks have computerized their branches. But, none of the bank had designed its website. It was found that the banks were offering phone-in-link services such as inquiry on product and services, change of accounts address, stop cheque instruction, status inquires on remittance, bank balance, etc.

Online banking, co-operative banks, service quality, e-banking, non-performing assets, etc.

"ADOPTION OF ONLINE BANKING SYSTEM IN CO-OPERATIVE BANKS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 5, page no.775-779, May-2019, Available :http://www.jetir.org/papers/JETIRBP06134.pdf

"ADOPTION OF ONLINE BANKING SYSTEM IN CO-OPERATIVE BANKS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 5, page no. pp775-779, May-2019, Available at : http://www.jetir.org/papers/JETIRBP06134.pdf