This paper explores the impact of various forms and levels of ICT on the performance of rural cooperative banks using recent survey data from India. Findings from the research suggest that modern information technology serves to enhance both the efficiency and profitability of the rural credit institutions. Efficiency was significantly enhanced by the usage of moderate technology at the lower organisational level, e.g. stand-alone computers at the branch level, mobile phone usage at PACS (Pri...Expand abstract
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Do Modern Technologies Work for the Rural ICT and Rural Credit Institutions in India?
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