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Research Article
Vol. 10, Issue 1
DIGITAL TRANSFORMATION AND FINANCIAL SERVICE DELIVERY EFFICIENCY OF COOPERATIVE SOCIETIES IN KADUNA STATE, NIGERIA: EVIDENCE FROM SELECTED COOPERATIVES (2019–2025)
This paper examines the impact of digital transformation on the efficiency of financial service delivery in cooperative societies in Kaduna State, Nigeria, covering the period from 2019 to 2025. Specifically, the study investigates the influence of digital payment systems, digital record management, online communication platforms, and the automatio...
