Currently, almost all banking services are carried out in digital form and in an automated manner. In the rural and cooperative banking sector, the role of human interaction is more important. In changing times, a bank employee must become a service provider and an advisor. In today's digital age, it is essential to develop skills in new technology, data analysis, cyber security, and customer management. Banks need to provide facilities such as regular training programs and workshops for their employees. The banking of the future will be completely digital. However, the human touch will remain in it. For transformation in the banking sector, the proper use of technology and the preservation of human values will be the key to success.
In today's rapidly changing world, the banking sector is undergoing a massive transformation. New tools like digital technology, automation, mobile banking, and artificial intelligence have completely changed the entire working method of banking. Once upon a time, for services like depositing and withdrawing money, passbook entries, and sending money via demand drafts, there used to be long queues at the counter. All banking transactions were done manually by employees. But with the advent of technology, banking transactions are now available at a click. Against this backdrop, a fundamental question arises: is the changed face of banking due to technology or due to the change in human resources...(To read more, open the Banco Anniversary Special Issue, May-June 2026)