Lukania , B. J. and Wafula , R. O. (2013) “ Effects of Information Technology Application on Service Delivery by Cosmopolitan Savings and Credit Cooperative Organization, Nakuru County, Kenya ”, African Journal of Education,Science and Technology (AJEST), 1(3), pp. pp 144–154. Available at: http://ajest.org/index.php/ajest/article/view/350 (Accessed: 3 April 2026).