The study looked at how sharing credit information affects the financial performance of commercial banks in Kenya. They found that accurate information, lending more, and having customer credit reports all help banks do better financially. When banks have accurate information about customers, they can make better decisions about who to lend money to. Lending more money also helps banks improve their operations and make more money. Sharing credit information allows banks to give loans to trustworthy customers, which boosts their profits. Overall, sharing credit information helps banks make better decisions, improve their operations, and be more competitive in the market.