IJCOPE Journal

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International Journal of Creative and Open Research in Engineering and Management

A Peer-Reviewed, Open-Access International Journal Supporting Multidisciplinary Research, Digital Publishing Standards, DOI Registration, and Academic Indexing.
Journal Information
ISSN: 3108-1754 (Online)
Crossref DOI: Available
ISO Certification: 9001:2015
Publication Fee: 599/- INR
Compliance: UGC Journal Norms
License: CC BY 4.0
Peer Review: Double Blind
Volume 02, Issue 05

Published on: May 2026

IMPACT OF DIGITAL BANKING SERVICES IN TNSC BANK

Tamilarasan S

Dr. V. Vardhini

Department of Management Studies, Vels Institute of Science, Technology and Advanced Studies (VISTAS)

Article Status

Plagiarism Passed Peer Reviewed Open Access

Available Documents

Abstract

Digital banking has come up as one of the biggest technological changes in the banking sector. Digital banking platforms have also been adopted by cooperative banks. This study aims to investigate the influence of digital banking services provided by the Tamil Nadu State Cooperative Bank (TNSC Bank) on customer satisfaction and convenience in banking. The study analyses customer awareness, adoption, trust, perception regarding security, convenience, and difficulties related to digital banking services such as mobile banking, internet banking, Unified Payment Interface (UPI), ATMs, and online money transfer services. Descriptive research design was applied in this study. The primary data were gathered from 100 respondents using a structured questionnaire. Secondary data were sourced from various academic articles, website reports, books, and banking publications. Percentage, correlation, regression, and ANOVA tests were employed in statistical analysis.The results show that digital banking services have had a positive impact on the satisfaction of customers through minimizing their need to visit banks, increasing the speed of transactions, and increasing accessibility. Nevertheless, problems like those related to cyber security, system malfunctions, and low digital literacy levels are still experienced by some customers. It is concluded that increased customer awareness, better security measures, and quality digital services could help build customer trust and adoption of digital banking services at TNSC Bank.

KEYWORDS - Digital Banking, Customer Satisfaction, Mobile Banking, Internet Banking, UPI, Customer Perception, Banking Technology, TNSC Bank.

How to Cite this Paper

S, T. (2026). Impact of Digital Banking Services in TNSC Bank. International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(05). https://doi.org/10.55041/ijcope.v2i5.659

S, Tamilarasan. "Impact of Digital Banking Services in TNSC Bank." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 05, 2026, pp. . doi:https://doi.org/10.55041/ijcope.v2i5.659.

S, Tamilarasan. "Impact of Digital Banking Services in TNSC Bank." International Journal of Creative and Open Research in Engineering and Management 02, no. 05 (2026). https://doi.org/https://doi.org/10.55041/ijcope.v2i5.659.

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References


  •    Chaffey, D. (2015). Digital Business and E-Commerce Management. Pearson Education.
    • Ramamurthy, S., & Govindan, H. (2020). Digital Banking Transformation and Customer Service.
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Ethical Compliance & Review Process

  • All submissions are screened under plagiarism detection.
  • Review follows editorial policy.
  • Authors retain copyright.
  • Peer Review Type: Double-Blind Peer Review
  • Published on: May 21 2026
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This article is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License. You are free to share and adapt this work for non-commercial purposes with proper attribution.

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