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mechanism where lenders’ and credit providers share information about their customers. Before credit reference bureau were introduced if you were a customer of say KCB and you had a loan with KCB and you went to Barclays bank to ask for a loan you would fill a form at Barclays and Barclays would ask you whether you have any other loans anywhere else. And you tell them yes you have a loan with KCB. What Barclays bank would then do is to write an opinion request to KCB and say so and so has applied for a loan here can you please tell us how they are performing on that loan. If you are a good customer of KCB they would say this guy is not very good to discourage Barclays so that their good account does not move. But if you were a bad customer they would confirm that they know you very well and we consider you as a good customer of KCB so that Barclays can buy the account which is a bad account. Although that was a form of exchanging information, it was not an objective one at all. So what has happened is that Credit Reference Bureaus have been established as a means through which banks exchange information on their customers so in the current circumstances what happens is that instead of KCB communicating with Barclays for information on a customer, that information is av