CBS Adoption by Cooperative Banks: A theoretical review

In today's era of technology online banking services are playing vital role in our life. as every other field, banking industry also adopting these technological changes rapidly. Core banking solution is playing the most significant role in today's changing environment. cbs service has been accepted by almost every type of banking industry. According to RBI's circular 100% adoption of CBS is mandatory for all banks. Public and private sector banks have adopted these changes almost 100% but yet so far cooperative banks in our country still juggling for the adoption of CBS technology. Cooperative banks in India are increasingly going for core banking solutions (CBS) and are introducing new technologies of banking in order to improve customer services. While many banks have already adopted CBS, and some more are in the process of automation. In this paper we are trying to understand the problems behind non adoption of CBS by Cooperative banks.