RBI Deputy Governor Swaminathan J just warned that these smaller banks, despite their size, face outsized digital risks. Why? Because they depend heavily on shared tech systems and third-party vendors; and one weak link can crash multiple banks at once. The message: tech risk isn’t just IT’s job; it’s the board’s responsibility. As banking goes fully digital, even a ₹50 crore bank can become a hacker’s gateway to bigger chaos. The RBI’s Mission SAHASRA is trying to fix this; training 1,400 UCB leaders to treat cybersecurity like a core function, not an afterthought. If you’re applying for a bank job, especially in UCBs, this is the hidden skill you didn’t know you needed.