The Central Bank’s overall objective as provided under is to formulate and implement such policies as to best promote the establishment, regulation and supervision of efficient, effective payment, clearing and settlement systems.Provider of payment systems: It operates and owns the KEPSS system which is used to facilitate real time transactions. Supervisor: Supervises the operations of the Nairobi Automated Clearing House on behalf of Bankers Association in order to maintain integrity and confidence. Provider of liquidity: The bank provides liquidity to the system so as to facilitate efficient operation of the settlement system. Overseer of the payment system: So as to promote efficiency and soundness in the payment system.