You have been selected as the Team Lead for the Business Process Loan Project at National Commercial Bank, Jamaica for the period August 28, 2023, to November 28, 2023. The Business Process Loan Project was approved by the Board of Management to review the mortgage loan process within the organization to improve efficiency and effectiveness within this process. In the last team meeting on Tuesday, August 29, 2023, the CIO recommended that the team evaluate any of the below frameworks and select one for implementation within the organization. However, you are undecided as two of the frameworks are appropriate for implementation. The frameworks reviewed include the Information Technology Infrastructure Library (ITIL), Process Classification Framework (PCF), Value Reference Framework (VRF), Control Objectives for Information Technology (COBIT) and eTOM Business Process Framework. You want the entire team to be part of the selection process of the 'right' framework and so, you have decided to present a proposal, which will outline both frameworks. 

You will invite the rest of the team members to vote for one framework based on the information you shared. The framework with the highest vote will be implemented in the organization. Which two frameworks is best to recommend for the company? why?