OPERATIONAL CHALLENGES AND OPPORTUNITIES: A STUDY OF DIGITAL FINANCIAL INCLUSION STRATEGIES IN SELECT COOPERATIVE BANKS OF PUNE DISTRICT . Phoenix International Journal of Engineering, Management and Science, [S. l.], v. 2, n. 2, p. 1–13, 2026. Disponível em: https://pijems.com/index.php/pijems/article/view/15. Acesso em: 16 oct. 2026.