dc.description.abstract | Credit information exchange is a platform that allows financial firms, such as banks, and credit information sources, such as credit reference bureaus, to share any information on borrowers' credit effectiveness. The survey delved in finding out how exchanging credit information influenced banks' cash flows. In this study, the observational research approach was applied. As of December 31, 2019, the research population included all 11 listed commercial banks in Kenya that were regulated under the Banking Act. A census method was utilized because there are relatively few listed banks. The primary source of information was secondary data. The data was acquired from the CBK's annual supervisory reports as well as individual audited accounts of the banks. The researcher used SPSS to build the model used in evaluating effects of CIS on bank financial performance. The study showed a non-significant negative association between credit data interchange system quality and bank economic viability. The findings demonstrated a strong negative association between capital adequacy and financial performance, as well as a minor positive link between liquidity and bank performance in terms of financial performance. Failure to disclose credit information, according to the report, increases credit risk, which affects a bank's financial performance. In order to reduce credit risk and increase financial performance, the study suggests that commercial bank management in Kenya establish suitable mechanisms for sharing credit information. | en_US |