Urban Cooperative Banks (UCBs) are essential for advancing financial inclusion since they offer professionals, small companies, and the urban poor access to reasonably priced banking services and credit facilities. Working under the cooperative ideals of democratic governance and mutual benefit, they promote economic growth and savings at the local level. The purpose of conducting this study is to evaluate the barriers to technology adoption in Urban Cooperative Banks. The technique used in this study is Exploratory Factor Analysis (EFA). The findings of the study indicated that major barriers to technological adoption in Urban Cooperative Banks are Technological Barriers, Organizational Barriers, and Customer-Related Barriers.