“IMPACT OF INFORMATION TECHNOLOGY ON BANKING EFFICIENCY: EVIDENCE FROM THE BANK OF INDUSTRY, KADUNA STATE”, iijp, vol. 2, no. issue 2, pp. 175–192, Apr. 2026, Accessed: Jul. 28, 2026. [Online]. Available: https://impactinternationaljournals.com/publications/index.php/ojs/article/view/381