The third millennium is the era for increasing changes in the organizational atmosphere, and competition to exist, while organizations are being diminished by each other. Meanwhile, organizations necessitate the variety in their services according to customer demands and through choosing different strategies in order to survive in this competitive world. Banks, as effective financial entities in money exchange world, are in a great competition to attract new customers and keep them using new technologies. So banks are in competition to absorb new clients through comprehensive packages. The package which is currently being heard, is called the “concentrated banking package”, which is giving round-the –clock services to the customers by fulfilling their spontaneous demands. This research has been carried out to find the most common obstacles of core banking in Agricultural Bank, so the study was started after a random sampling from a suitable level of people. It is worth mentioning that Ferguson's theory is considered as the visual frame for this study. And the descriptive statistics and calculating the mean of the society (using SPSS software) were used in analyzing the data. The most common diagnosed obstacles according to the present diction are organizational, management, financial, and technical-technological ones. According to investigations, it is inferred that the organizational factors are the initial and most effective factor, and after that, technological, management, and finally financial factors are respectively effective in performing and reforming core banking.