Adequate training should be imparted to people at all levels including employees, Board of Directors and auditors to improve productivity, efficiency and professionalism. Cooperative banks should make use of financial assistance for capacity building provided by NABARD from Cooperative Development Fund and under Scheme of Financial Assistance for Training of Cooperative Banks Personnel (SOFTCOB).
Digitalisation has brought new  3  Source: Statistics Finland, Consumer Price Index, accessed 2 May 2016. 4  Source: Tom Goodwin, The Battle Is For The Customer Interface, Techcrunch, 2015. 2  BIS central bankers’ speeches  players on to the field and changed the rules of the game.