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.

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Integrated with and used by

fnb
vodalend
standard bank
transunion
capitec
discovery
bidvest
rmb
investec
nedbank

Why do clients use Gathr?

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Reduce Human Error & Fraud

See up to a 43% increase in conversions for completed applications.

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Onboard 40% More customers

Human error and fraud result in
an inefficient system and impact underwriting and risk analysis models.

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Overcome Fragmented Technology

The legacy and impromptu systems being used result in fragmented processes that leave all stakeholders frustrated.

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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.

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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 ID Documents. 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.

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

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Check applicant has sufficient transactions

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Return all transactions, line by line

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Calculates and identifies debit order obligations

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Retrieve data via USSD, Online Banking, or Manual Uploads.

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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.

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Checks the applicant is the bank account owner

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Checks provided bank account details matches those on the document

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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.

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Matches facial recognition to image on identity document

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Verifies the applicant is not deceased with Home Affairs

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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.

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Upon ID verification, checks the document is valid

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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.

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Consider the address provided by the applicant and compare to addresses in uploaded documents and bank account

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Custom search function to read and utilize numerous documents in the address verification process

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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. 

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 Direct credit bureau integration

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Pull the entire (or summary) of the consumer’s credit report, including the credit score

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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.

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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.  

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The CIPC API function returns the registration of companies and co-operatives. This information includes the directors of the company, the ax status of the company and its BEE level. 

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Case Studies At a Glance

For one client, Gathr has been used to digitise a financial product and tap into 2 million unserved customers. It has allowed others to improve actual application completions by over 40%.

It has helped some drastically reduce fraud.  And most importantly, it enables anyone to launch a KYC and FICA-driven product within weeks by leveraging technology instead of building it. What will your result be?

% Increase in conversions

% Fraud Reduction

Initiation to Market

See all Use Cases & Overview Doc

Your full guide to getting started with any part of our Gathr solution and marketplace integrations.

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

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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.

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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.

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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.

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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.

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