Urban co-operative banks (UCBs) may be smaller in size, but technology, cyber threats and dependence on external service providers are exposing them to risks that can be much larger than their physical or geographical presence, RBI Deputy Governor Swaminathan J said. Speaking at the Mission SAKSHAM programme for Directors, Managing Directors and CEOs of UCBs in Telangana, Swaminathan said the growing use of technology in banking has changed the nature of risks faced by smaller banks.