# Consumer Affordability \[v1]

The transactional data is useful when making an underwriting decision, where a deep understanding of a consumer's income, expenses, and financial patterns is required. The Consumer Affordability Module is packed with powerful tools that can be used by any financial service provider, mobile operator, or employer.

### Basic Affordability Flow 

Below is a synopsis of the steps you need to take to complete the affordability module using Gathr.

<figure><img src="https://3266235807-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F1Wks3nfVQY1sO5qtLgfb%2Fuploads%2FJraYXhkQQAGZ0UME9XJI%2FAffordability%20v1.drawio.png?alt=media&#x26;token=ff61e002-d585-4cb7-8a40-18198d4f0eb4" alt=""><figcaption><p>Overview of Affordability v1 </p></figcaption></figure>

### Consumer Affordability - Online Login

1. [*<mark style="color:orange;">**POST**</mark>**&#x20;\*\*\*\*Create New Bank Account***](https://finch-technologies.gitbook.io/gathr-api-documentation/consumer-affordability-v1/single-bank-account-crud/create-new-bank-account)
2. [*<mark style="color:green;">**GET**</mark>**&#x20;Sync Online Banking Accounts*** ](https://finch-technologies.gitbook.io/gathr-api-documentation/consumer-affordability-v1/online-login/sync-online-banking-accounts)
3. Reports / Statements / Transactions

### Consumer Affordability - Statement Upload&#x20;

1. [*<mark style="color:orange;">**POST**</mark>**&#x20;\*\*\*\*Create New Bank Account***](https://finch-technologies.gitbook.io/gathr-api-documentation/consumer-affordability-v1/single-bank-account-crud/create-new-bank-account)
2. [*<mark style="color:orange;">**POST**</mark>**&#x20;Upload Bankstatement*** ](https://finch-technologies.gitbook.io/gathr-api-documentation/consumer-affordability-v1/bank-statement-upload/bank-statement-upload-v1.0)***/***[ *<mark style="color:orange;">**POST**</mark>**&#x20;\*\*\*\*Upload Bankstatement V1.1***](https://finch-technologies.gitbook.io/gathr-api-documentation/consumer-affordability-v1/bank-statement-upload/bank-statement-upload-v1.1)
3. Reports / Statements / Transactions&#x20;

### Consumer Affordability - USSD Statement&#x20;

1. [*<mark style="color:orange;">**POST**</mark>**&#x20;\*\*\*\*Create New Bank Account***](https://finch-technologies.gitbook.io/gathr-api-documentation/consumer-affordability-v1/single-bank-account-crud/create-new-bank-account)
2. [*<mark style="color:green;">**GET**</mark>* ***USSD Statement***](https://finch-technologies.gitbook.io/gathr-api-documentation/consumer-affordability-v1/ussd-statement)
3. Reports / Statements / Transactions&#x20;

<table data-view="cards"><thead><tr><th></th><th></th><th></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td><strong>Reports</strong></td><td><a href="consumer-affordability-v1/reports/summary-report"><em><mark style="color:orange;"><strong>POST</strong></mark><strong> </strong><strong>Summary Report</strong></em></a></td><td><a href="consumer-affordability-v1/reports/summary-plus"><em><mark style="color:orange;"><strong>POST</strong></mark><strong> </strong><strong>Summary Plus</strong></em></a></td><td><a href="consumer-affordability-v1/reports">reports</a></td></tr><tr><td><strong>Statements</strong></td><td><a href="consumer-affordability-v1/statements/return-all-statements-of-a-bankaccount"><em><mark style="color:green;"><strong>GET</strong></mark><strong> </strong><strong>Return All Statements of a BankAccount</strong></em></a></td><td></td><td><a href="consumer-affordability-v1/statements">statements</a></td></tr><tr><td><strong>Transactions</strong></td><td><a href="consumer-affordability-v1/transactions/return-all-transactions-from-a-bank-account"><em><mark style="color:green;"><strong>GET</strong></mark><strong> </strong><strong>Return all Transaction from a BankAccount</strong></em></a></td><td><a href="consumer-affordability-v1/transactions/return-all-accounts-of-a-bank-account"><em><mark style="color:green;"><strong>GET</strong></mark><strong> </strong><strong>Return All accounts of a BankAccount</strong></em></a></td><td><a href="consumer-affordability-v1/transactions">transactions</a></td></tr></tbody></table>