The rapid expansion of digital financial services has transformed modern banking systems across both developed and emerging economies. In Nepal, cooperative financial institutions play a vital role in promoting financial inclusion, particularly among rural and semi-urban populations. Despite their importance, the adoption of digital banking technologies within the cooperative sector remains uneven and under-researched. This study investigates the digital ecosystem surrounding QR payments and mobile banking services in Nepal’s cooperative banking sector, focusing on the National Cooperative Bank Limited (NCBL) and its member cooperatives. A mixed-methods research design was employed, combining quantitative survey data collected from cooperative members and staff with qualitative insights from institutional interviews. Statistical analysis was conducted using SPSS to identify patterns of digital service adoption, usage frequency, and perceived operational benefits. The findings reveal that QR payments (60.7%) and member portal systems (60.0%) represent the most widely adopted digital services, while more advanced functionalities such as digital loan repayment remain minimally utilized. The results suggest that while foundational digital infrastructure exists, institutional, technological, and behavioral barriers continue to limit deeper digital integration. This paper proposes a cooperative-centric digital ecosystem framework emphasizing mobile-first design, interoperable payment platforms, and scalable infrastructure. The study contributes to understanding digital transformation within cooperative banking systems and provides recommendations for policymakers and financial institutions seeking to strengthen Nepal’s digital financial ecosystem.