Jai Parkash and Dr. Priyanka Yadav (2025) “Digital Transformation and Workforce Efficiency: A Study of IT Initiatives in Haryana’s District Central Co-operative Banks”, International Journal of Advanced Research and Multidisciplinary Trends (IJARMT), 2(4), pp. 357–369. Available at: https://ijarmt.com/index.php/j/article/view/615 (Accessed: 14 January 2026).