AGILE VIRTUAL ICT SYSTEMS AND PROCESS OPTIMIZATION IN COMMERCIAL BANKS IN NAIROBI CITY COUNTY, KENYA. Int.J.Innov.Enterp.Soc.Sci. 2025;5(2):161-175. Accessed January 15, 2026. https://scholarnestpublishers.com/index.php/IJIESS/article/view/30