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Peterson Obara  Magutu, Nixon Onchara  Muganda, Gladys Monchari  Ondimu. THE FACETS AND ECONOMIC BENEFITS OF THE INFORMATION COMMUNICATIONS TECHNOLOGY AND INNOVATIONS USED BY COMMERCIAL BANKS IN KENYA. Problems of Management in the 21st Century  [Internet]. 2011;2. Available from: https://oaji.net/articles/2014/450-1391946649.pdf\par \par }