In today's dynamic and competitive banking system, enhancing organizational performance requires factors beyond financial and physical resources. Among these, social capital, as a network of relationships based on trust, norms, and shared values, plays a crucial role in facilitating collaboration among departments, branches, and employees. On the other hand, information technology, by creating new communication platforms, rapid data processing, and knowledge sharing, lays the groundwork for increased coordination and cohesion in the supply chain of banking services. The combination of these two factors can act as a strategic competitive advantage, strengthening internal and inter-bank supply chain collaboration, and ultimately leading to improved organizational performance. Social capital, as an intangible resource, leads to increased intellectual capital and organizational trust. Furthermore, according to the technological capabilities theory, information technology is a key factor in facilitating collaboration, information sharing, and rapid decision-making in the financial services supply chain. In terms of objectives, the present research is applied, in terms of methodology, it is descriptive-correlational, and in terms of data collection, the research method is field-based. The statistical population of this research consists of all managers and staff at the headquarters of the Welfare Bank of Workers in Mazandaran Province, numbering 653 individuals. According to Morgan's table, this number was determined to be 242 individuals, who were selected using convenience non-probability sampling. The research findings indicated that the dimensions of social capital have a positive and significant impact on supply chain collaboration, and the dimensions of information technology also have a positive and significant impact on user satisfaction. User satisfaction also has a positive impact on supply chain collaboration, and supply chain collaboration has a positive and significant impact on the performance of the Welfare Bank of Workers.