Digital Verification & Onboarding at Scale
Gathr is a sophisticated API, which enables every company to offer fintech products in a digital ecosystem by seamlessly onboarding clients, verifying their identity, and gathering their most important information.
Why do clients use Gathr?
Reduce Human Error & Fraud
See up to a 43% increase in conversions for completed applications.
Onboard 40% More customers
Human error and fraud result in
an inefficient system and impact underwriting and risk analysis models.
Overcome Fragmented Technology
The legacy and impromptu systems being used result in fragmented processes that leave all stakeholders frustrated.
Access Raw Data at Scale
Gathr gives you the data you need to make decisions that are important to your business. Whether you’re making a loan-scoring decision, or working out when to set a collection date – the information is at your fingertips.
Solution Overview
Customer Onboarding, Full Circle
Powerful modules you can use to verify, analyse, score, and efficiently onboard your customers. Ready out of the box, or build your own solution using our APIs.
Gathr Transactional Information. A detailed look into affordability, expenses, and a clear understanding of an individual’s financials based off Online Banking, USSD, or Manual Uploads.
Verify Bank Accounts for Collection Purposes. Verify that a particular applicant is the owner of the bank account they claim
Validate Proof of Address Documents.
Reads document address and verifies against application data.
Validate & Verify. Match and verify a South African ID with Home Affairs, and check that the individual is alive. Verify whether a South African ID document or driver’s license against Home Affairs, and has not been tampered with. Verify businesses using the CIPC API integration.
Credit Reports & Scoring. Run credit bureau checks and pull credit reports. A detailed summary of the credit history and payment records from a customer’s credit accounts.
Module 1
Gathr Transactional Information to Measure Affordability
One API to get comprehensive bank statement data. Automatically extract, verify and understand your potential customers’ affordability. Get data direct from bank accounts or through bank statements
Read all income & expenses
Check applicant has sufficient transactions
Return all transactions, line by line
Calculates and identifies debit order obligations
Retrieve data via USSD, Online Banking, or Manual Uploads.
Calculates average monthly expenses, and incomes.
Module 2
Verify Bank Account Ownership
This is the solution for you if you are wanting to verify that a particular applicant is the owner of the bank account they claim.
Checks the applicant is the bank account owner
Checks provided bank account details matches those on the document
Returns bank account details
Module 3
Verify ID
Verify SA Citizens in seconds, automatically.
Use state-of-the-art facial and document recognition technology to make sure your customers are who they say they are, at a fraction of the cost of a manual process.
Matches facial recognition to image on identity document
Verifies the applicant is not deceased with Home Affairs
Module 4
Validate ID Documents
This is the solution for you if you are wanting to verify a South African ID document or driver’s license and it is valid or has not been tampered with.
Upon ID verification, checks the document is valid
Compares document details against application
Module 5
Validate Proof of Address
Reads document address and verifies against application data. Designed to assist with FICA, RICA and KYC boxes, Gathr can help you make sure your customers are onboarding appropriately.
Consider the address provided by the applicant and compare to addresses in uploaded documents and bank account
Custom search function to read and utilize numerous documents in the address verification process
Module 6
Credit Bureau Integrations
Leverage our long-term partnerships with leading credit bureaus and get credit checks & reports at a fraction of the cost.
Direct credit bureau integration
Pull the entire (or summary) of the consumer’s credit report, including the credit score
Using only the name and South African
ID number we conduct an instant credit check to assess the financial health of your customer
Module 7
CIPC Integration to verify businesses
With our CIPC integration, you can get the full disclosure of information on its business register.
Use this information when onboarding a business client to build a unique user flow to get the required FICA/AML documents for the directors and ultimate beneficiaries.
The CIPC API function returns the registration of companies and co-operatives. This information includes the directors of the company, the tax status of the company and its BEE level.
Want a peek?
Seeing and feeling is believing, right? Book a 15 or 30-minute Demo where we dive into what Gathr looks behind the curtain, as well as some great examples of what your solution can look and work like.
How we get a project going
Technical Onboarding & Product Set Up
We have a simple 5-step process to getting started with Gathr. Firstly we wrap up your demo call, proposal, and contract agreement. We then kick off the technical onboarding process by setting up the Dev and Staging Environments, followed by configuring tenant-specific modules according to the final solution and proposal.
API Integration & User Acceptance Testing
The next step is consuming the appropriate module APIs by completing the mapping and whitelisting process. We then make sure the UAT credentials are shared with all required parties and get started with testing. We aim for a high level of responsiveness, engagement, and quick turnarounds.
Production, Maintenance & Support
With a live product comes full support to make sure your solution is making a difference in the lives of your customers. Once the proposed solution has been pushed into production, we work with your technical team to maintain the solution. And, offer the best support we can to grow the partnership.
Got some questions?
Talk to our sales team to see how you can transform your verification & onboarding systems.
Powering Financial Access in Africa
This solution is built by Finch Technologies. Our mission is Powering Financial Access In Africa. We do that by building scalable, flexible, and modular technology that enables every company to offer fintech products in a digital ecosystem. We believe this will drive financial inclusion and access. Learn more about us.
Integrated with and used by