Lukania BJ, Wafula RO. Effects of Information Technology Application on Service Delivery by Cosmopolitan Savings and Credit Cooperative Organization, Nakuru County, Kenya . ajest [Internet]. 2013 Dec. 27 [cited 2026 Apr. 3];1(3):pp 144-154. Available from: http://ajest.org/index.php/ajest/article/view/350