The study examined the impact of information technology on the efficiency of Nigeria's banking system, with a specific focus on the Bank of Industry, Kaduna State. The study adopted the Technology Acceptance Model (TAM) as its theoretical framework. The study utilized a mixed-method design, specifically a survey and documentary research design. The population of the study was 400 staff and clients of the BOI Kaduna branch, and a sample of 200 participants was derived using the Taro Yamane formula. Both primary (questionnaire) and secondary (documentary review) methods were used to collect data for the study, and a quantitative statistical technique, Multiple Linear Regression, was used to analyze the data. The major findings revealed that the IT components collectively explained 72.8% of the variance in banking efficiency. It was also revealed that Core Banking Applications (p=.034) and Online Banking Platforms (p=.000) had the strongest significant positive effects on efficiency. It further revealed that Electronic Fund Transfers (p=.008) and Cybersecurity Measures (p=.015) also had a significant positive effect. However, the bank's IT Infrastructure (p=.164) was found to have no statistically significant effect on operational reliability. The study concluded that IT has been a primary driver of improved efficiency in the Bank of Industry, drastically reducing loan processing times and operational costs. The study recommended among other things that the bank must prioritize strategic investment in its core IT infrastructure (networks, power, and servers) to address the significant reliability gap, which is currently undermining its other successful IT-driven systems.