💸Consumer Affordability [v1]

Gathr is comprised primarily of API Calls for collecting and summarising transactional data from individual consumer bank accounts.

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.

Overview of Affordability v1

Consumer Affordability - Online Login

1. POST Create New Bank Account

2. GET Sync Online Banking Accounts

3. Reports / Statements / Transactions

Consumer Affordability - Statement Upload

1. POST Create New Bank Account

2. POST Upload Bankstatement / POST Upload Bankstatement V1.1

3. Reports / Statements / Transactions

Consumer Affordability - USSD Statement

1. POST Create New Bank Account

2. GET USSD Statement

3. Reports / Statements / Transactions

Reports

POST Summary Report

POST Summary Plus

Statements

GET Return All Statements of a BankAccount

Transactions

GET Return all Transaction from a BankAccount

GET Return All accounts of a BankAccount