Financial Fees

Overview

The Financial Fees insight is a schedule-triggered insight that informs the user about the total expenses they incur for financial services for each of their aggregated bank and card accounts.

The insight for VIEW will generate only if the VIEW rule contains category as Service Charges/Fees and user is charged service fees.

Following are the additional details for the insight:

Insight Name	FINANCIAL_FEES
Applicable Entities	ACCOUNT, VIEW
Insight Type	OTHER
Trigger Type	SCHEDULE
Supported Containers	BANK, CARD

Use Cases

Customer:
- User engagement
- Up-Sell / Cross-Sell opportunities - Offer lower-priced alternatives.
User:
- Financial wellness - Uncover hidden fees.

Suggested Action

Recommend users to review their fees and speak with the respective service providers.

Duplicate Insight Checks

To prevent the same insight from generating repeatedly, the insight is generated only once per scheduled frequency for each entity ID.

The following are the applicable frequencies for this insight:

Frequency	Description
DAILY	The insight will be triggered daily. Duplicate check will evaluate if the insight instance that matches the duplicate check criteria exists for the current day from 12:00 AM same day to the time of insight evaluation.
WEEKLY	The insight will be triggered once every Monday. Duplicate check will evaluate if the insight instance that matches the duplicate check criteria exists for the current calendar week (Monday to Sunday). For example: Normal scenario: If the calendar week starts from 1st January to 7th January, the insight is triggered on 1st January. Dynamic trigger scenario: If the calendar week starts from 1st January to 7th January, and the user triggers an insight on 3rd January using dynamic trigger, duplicate check happens from 1st January to 3rd January.
MONTHLY	The insight will be triggered once on the first day of the calendar month. Duplicate check will evaluate if the insight instance that matches the duplicate check criteria exists for the current calendar month (1st of the calendar month to the last day of the month). For example: Normal scenario: If the calendar month starts from 1st January to 31st January, the insight is triggered on 1st January. Dynamic trigger scenario: If the calendar month starts from 1st January to 31st January, and the user triggers an insight on 3rd January using dynamic trigger, duplicate check happens from 1st January to 3rd January.
MID_MONTHLY	The insight will be triggered once on the 16th of a calendar month. Duplicate check will evaluate if the insight instance that matches the duplicate check criteria exists for the current calendar month (1st of the calendar month to the last day of the month). For example: Normal scenario: If the calendar month starts from 1st January, the insight is triggered on 16th of January. Dynamic trigger scenario: If the calendar month starts from 1st January, and the user triggers an insight on 3rd January using dynamic trigger, duplicate check happens from 1st January to 3rd January.

Insight Dynamic Trigger (On-Demand Evaluation)

The dynamic trigger is applicable to the insight. Depending on the configuration, this insight can be invoked dynamically when:

A new View is created
OR
A View ID is patched using the user subscription API

The insight is generated dynamically using any of the above two methods only if the view is eligible and the other insight generation checks are passed.

Note: By default, the configuration is set to dynamically trigger insight evaluation every time a new entityId (view ID) is added using the PATCH userSubscription API. During onboarding, this preference can be changed.

In addition to the dynamic trigger capability chosen, this insight can be triggered using the following on-demand insight trigger API:

POST /insights/trigger

Peer Benchmarking Data

This insight provides peer benchmarking (PB) data only for the Accounts entity. Based on the segmentation parameter provided by the user, PB data is returned for the financial fees category at the peer, state, and national benchmark levels.

The default frequency and duration will be based on whether the customer has enabled or disabled the peer benchmarking feature during onboarding:

PB enabled: The default frequency will be MID_MONTHLY and default duration will be LAST_THREE_MONTHS.
PB disabled: The default frequency will be MONTHLY and default duration will be THREE_MONTHS.

Thresholds

Threshold does not apply to this insight.

GET Customer Subscription

The GET customer subscription API provides all the information about the defaults set for the insights that are subscribed by the customer. If the customer has opted for the PB feature during onboarding, the isBenchmarkEnabled field will be by default true in the API response.

The default frequency and duration will be based on whether the customer has enabled or disabled the peer benchmarking feature during onboarding:

PB enabled: The default frequency will be MID_MONTHLY and default duration will be LAST_THREE_MONTHS.
PB disabled: The default frequency will be MONTHLY and default duration will be THREE_MONTHS.

Method and URL:

GET /insights/configs/customerSubscriptions

Header Parameters:

Key	Value
`Authorization`	Client credentials-based authorization	`Bearer {{Access Token}}`
	API key-based authentication	`Bearer {{JWT Token_Customer}}`
	Deprecated cobrand and user credential-based authentication	`cobSession={cobSession received in the cobrand login service}`
`Content-Type`	`application/json`
`Api-Version`	`2.1`
`Api-Version`	`2`
`Cobrand-Name`	`{Name of the Customer}`

Sample Request:

GET /insights/configs/customerSubscriptions

Sample Response:

For more information about the attributes that are returned in the API response, refer to the Insights Data Model page.

Api-Version 2.1 Response

{
   "customerSubscription":[
      {
         "insightName":"FINANCIAL_FEES",
         "insightTitle":"Financial Fees",
         "insightType":"OTHER",
         "triggerType":"SCHEDULE",
         "containers":[
            "BANK",
            "CARD"
         ],
         "description":"Generates an insight that provides financial fee trends over a configured time period.",
         "applicableEntity":[
            "VIEW",
            "ACCOUNT"
         ],
         "customerConfiguration":[
            {
               "entityType":"ACCOUNT",
               "isSubscribed":true,
               "frequency":"MONTHLY",
               "duration":"THREE_MONTHS",
               "isBenchmarkEnabled":false
            },
            {
               "entityType":"VIEW",
               "isSubscribed":true,
               "frequency":"MONTHLY",
               "duration":"THREE_MONTHS"
            }
         ]
      }
   ]
}

Api-Version 2 Response

{
   "customerSubscription":[
      {
         "insightName":"FINANCIAL_FEES",
         "insightTitle":"Financial Fees",
         "insightType":"OTHER",
         "triggerType":"SCHEDULE",
         "container":[
            "BANK",
            "CARD"
         ],
         "description":"Generates an insight that provides financial fee trends over a configured time period.",
         "applicableEntity":[
            "VIEW",
            "ACCOUNT"
         ],
         "customerConfiguration":[
            {
               "entityType":"ACCOUNT",
               "isSubscribed":true,
               "frequency":"MONTHLY",
               "duration":"THREE_MONTHS",
               "isBenchmarkEnabled":false
            },
            {
               "entityType":"VIEW",
               "isSubscribed":true,
               "frequency":"MONTHLY",
               "duration":"THREE_MONTHS"
            }
         ]
      }
   ]
}

PATCH Customer Subscription

Using the PATCH API for customer subscription, customers can change the defaults for each insight. Alternatively, customers can use the insights configuration tool to achieve the same result.

If the customer has not opted for the PB feature during onboarding, the isBenchmarkEnabled field will be by default false and cannot be modified. The PB feature can be opted post onboarding too.

Warning! Changing any defaults can potentially impact all users who have subscribed to this insight. If the user has overridden the customer threshold, then the user preference will be applied. For all other users, the new defaults will apply.

Method and URL:

PATCH /insights/configs/customerSubscriptions

Header Parameters:

Key	Value
`Authorization`	Client credentials-based authorization	`Bearer {{Access Token}}`
	API key-based authentication	`Bearer {{JWT Token_Customer}}`
	Deprecated cobrand and user credential-based authentication	`cobSession={cobSession received in the cobrand login service}`
`Content-Type`	`application/json`
`Api-Version`	`2.1`
`Api-Version`	`2`
`Cobrand-Name`	`{Name of the Customer}`

Editable Parameters:

Editable Attributes	Impact	Allowed Values
isSubscribed	Subscribes or unsubscribes all the users from the Financial Fees insight.	true, false
insightTitle	The title returned in the GET feed API as well as the insights configuration tool can be changed.	Alphanumeric characters up to 100 characters (including spaces)
frequency	The frequency at which an insight will be evaluated.	DAILY (every day - early morning) WEEKLY (every Monday - early morning) MONTHLY (1st of every month - early morning) MID_MONTHLY (16th of every month - early morning)
duration	The data range that should be considered for evaluating the insight.	THIS_MONTH (current month) LAST_MONTH (last month) LAST_THREE_MONTHS LAST_SIX_MONTHS LAST_TWELVE_MONTHS THREE_MONTHS (current month + last 2 months) SIX_MONTHS (current month + last 5 months) ONE_YEAR (current month + last 11 months)
isBenchmarkEnabled	If the customer has opted for PB feature, pass the `isBenchmarkEnabled` as `true` to get the peer benchmarking data. The customer can turn OFF the PB feature by setting `isBenchmarkEnabled` as `false`.	true, false

Sample Request:

{
    "customerSubscription": [
        {
            "insightName": "FINANCIAL_FEES",
            "insightTitle": "Financial Fees",
            "customerConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "isSubscribed": true,
                    "isBenchmarkEnabled":true,
                    "frequency": "MID_MONTHLY",
                    "duration": "LAST_THREE_MONTHS"
                },
                {
                    "entityType": "VIEW",
                    "isSubscribed": true,
                    "frequency": "MONTHLY",
                    "duration": "THREE_MONTHS"
                }
            ]
        }
    ]
}

Error Messages:

HTTP Status Code	Reason
400	Y806: Invalid Input
400	Y800: Invalid value for insightName
400	Y800: Invalid value for insightTitle; special characters ><\""'%{}\|^~[] are not supported.
400	Y801: Invalid length for insightTitle; min 3 and max 100 characters including spaces are allowed.
400	Y800: Invalid value for frequency; Supported values are DAILY, WEEKLY, MONTHLY, MID_MONTHLY
400	Y800: Invalid value for duration; Supported values are THIS_MONTH, LAST_MONTH, THREE_MONTHS, SIX_MONTHS, ONE_YEAR, LAST_THREE_MONTHS, LAST_SIX_MONTHS, LAST_TWELVE_MONTHS
400	Y802: For insight FINANCIAL_FEES, passing isBenchmarkEnabled is not allowed
400	Y800: Invalid value for isBenchmarkEnabled Supported values are true, false
400	Y800: Invalid value for duration. Supported values of duration for MID_MONTHLY frequency are LAST_MONTH, LAST_THREE_MONTHS, LAST_SIX_MONTHS, LAST_TWELVE_MONTHS"
400	Y802: Modifying isBenchmarkEnabled is not allowed
400	Y802: For insight FINANCIAL_FEES, modifying applicableEntity is not allowed
400	Y802: For insight FINANCIAL_FEES, modifying triggerType is not allowed
400	Y802: For insight FINANCIAL_FEES, modifying container is not allowed
400	Y802: For insight FINANCIAL_FEES, modifying description is not allowed
400	Y802: For FINANCIAL_FEES, insight passing threshold is not allowed
400	Y800: Invalid value for isSubscribed; Supported values are true, false
400	Y825: Update not allowed without a valid request body
400	Y803: Invalid request; Either a valid insightTitle or customerConfiguration is required.
400	Y812: Required field/value - insightName missing in the request
400	Y802: Modifying InsightType attribute is not allowed
400	Y813: entityType should be provided
400	Y803: At least one additional attribute is required in addition to entityType.
400	Y800: Invalid value for customerConfiguration; customerConfiguration is either missing, duplicated, or has insufficient/ incorrect attributes.
400	Y800: Invalid value for entityType. Supported entityType for FINANCIAL_FEES insight are - [ACCOUNT, VIEW]
400	Y800: Invalid value for input json
401	Y020: Invalid token in authorization header
401	Y020: Token has expired

GET User Subscription

The GET user subscription API provides all the information about the user defaults set for the insight. If the customer has opted for the PB feature during onboarding, the isBenchmarkEnabled field will be by default true in the API response.

Method and URL:

GET /insights/configs/userSubscriptions

Header Parameters:

Key	Value
`Authorization`	Client credentials-based authorization	`Bearer {{Access Token}}`
	API key-based authentication	`Bearer {{JWT Token_Customer}}`
	Deprecated cobrand and user credential-based authentication	`cobSession={cobSession received in the cobrand login service}, userSession={userSession received in the user login service}`
`Content-Type`	`application/json`
`Api-Version`	`2.1`
`Api-Version`	`2`
`Cobrand-Name`	`{Name of the Customer}`

Sample Request:

GET /insights/configs/userSubscriptions?insightName=FINANCIAL_FEES

Sample Response:

For more information about the attributes that are returned in the API response, refer to the Insights Data Model page.

Api-Version 2.1 Response

{
  "userSubscription": [
   {
            "insightName": "FINANCIAL_FEES",
            "insightTitle": "Financial Fees",
            "insightType": "OTHER",
            "triggerType": "SCHEDULE",
            "containers": [
                "BANK",
                "CARD"
            ],
            "description": "Generates an insight that provides financial fee trends over a configured time period.",
            "applicableEntity": [
                "VIEW",
                "ACCOUNT"
            ],
            "userConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "entityId": "10255809",
                    "isSubscribed": true,
                    "frequency": "MONTHLY",
                    "isBenchmarkEnabled":true,
                    "duration": "THREE_MONTHS"
                },
                {
                    "entityType": "VIEW",
                    "isSubscribed": true,
                    "frequency": "MONTHLY",
                    "duration": "THREE_MONTHS"
                }
            ],
            "customerConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "isSubscribed": true,
                    "frequency": "MONTHLY",
                    "duration": "THREE_MONTHS",
                    "isBenchmarkEnabled":false
                },
                {
                    "entityType": "VIEW",
                    "isSubscribed": true,
                    "frequency": "MONTHLY",
                    "duration": "THREE_MONTHS"
                }
            ]
        }
  ]
}

Api-Version 2 Response

{
  "userSubscription": [
   {
            "insightName": "FINANCIAL_FEES",
            "insightTitle": "Financial Fees",
            "insightType": "OTHER",
            "triggerType": "SCHEDULE",
            "container": [
                "BANK",
                "CARD"
            ],
            "description": "Generates an insight that provides financial fee trends over a configured time period.",
            "applicableEntity": [
                "VIEW",
                "ACCOUNT"
            ],
            "userConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "entityId": "10255809",
                    "isSubscribed": true,
                    "frequency": "MONTHLY",
                    "isBenchmarkEnabled":true,
                    "duration": "THREE_MONTHS"
                },
                {
                    "entityType": "VIEW",
                    "isSubscribed": true,
                    "frequency": "MONTHLY",
                    "duration": "THREE_MONTHS"
                }
            ],
            "customerConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "isSubscribed": true,
                    "frequency": "MONTHLY",
                    "duration": "THREE_MONTHS",
                    "isBenchmarkEnabled":false
                },
                {
                    "entityType": "VIEW",
                    "isSubscribed": true,
                    "frequency": "MONTHLY",
                    "duration": "THREE_MONTHS"
                }
            ]
        }
  ]
}

PATCH User Subscription

Using the PATCH user subscription API for user subscription, users can change the defaults for each insight. If the user wants the insight to be evaluated for a new account or view, then add that account or view using the PATCH user subscription API. The customer default threshold values will apply if the user has not set any values.

If the customer has not opted for the PB feature during onboarding, the isBenchmarkEnabled field will be by default false and cannot be modified. The PB feature can be opted post onboarding too.

Method and URL:

PATCH /insights/configs/userSubscriptions

Header Parameters:

Key	Value
`Authorization`	Client credentials-based authorization	`Bearer {{Access Token}}`
	API key-based authentication	`Bearer {{JWT Token_Customer}}`
	Deprecated cobrand and user credential-based authentication	`cobSession={cobSession received in the cobrand login service}, userSession={userSession received in the user login service}`
`Content-Type`	`application/json`
`Api-Version`	`2.1`
`Api-Version`	`2`
`Cobrand-Name`	`{Name of the Customer}`

Editable Parameters:

Editable Attributes	Impact	Allowed Values
entityId	The ID of the account or view for which card statement gets evaluated.	Valid IDs for accounts or views belonging to the user
isSubscribed	Subscribes or unsubscribes from the Financial Fees insight.	true, false
frequency	The frequency at which an insight will be evaluated.	DAILY (every day - early morning) WEEKLY (every Monday - early morning) MONTHLY (1st of every month - early morning) MID_MONTHLY (16th of every month - early morning)
duration	The data range that should be considered for evaluating the insight.	THIS_MONTH (current month) LAST_MONTH (last month) LAST_THREE_MONTHS LAST_SIX_MONTHS LAST_TWELVE_MONTHS THREE_MONTHS (current month + last 2 months) SIX_MONTHS (current month + last 5 months) ONE_YEAR (current month + last 11 months)
isBenchmarkEnabled	If the customer has opted for PB feature, pass the `isBenchmarkEnabled` as `true` to get the peer benchmarking data. The customer can turn OFF the PB feature by setting `isBenchmarkEnabled` as `false`.	true, false

Sample Request:

{
    "userSubscription": [
        {
            "insightName": "FINANCIAL_FEES",
            "userConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "entityId": "10255809",
                    "isSubscribed": true,
                    "frequency": "MONTHLY",
                    "isBenchmarkEnabled":true,
                    "duration": "THREE_MONTHS"
                },
                {
                    "entityType": "VIEW",
                    "isSubscribed": true,
                    "frequency": "MONTHLY",
                    "duration": "THREE_MONTHS"
                }
            ]
        }
    ]
}

Error Messages:

HTTP Status Code	Reason
400	Y806: Invalid input
400	Y800: Invalid value for insightName
400	Y800: Invalid value for input param in FINANCIAL_FEES insight
400	Y800: Invalid value for frequency; Supported values are DAILY, WEEKLY, MONTHLY, MID_MONTHLY
400	Y800: Invalid value for duration; Supported values are THIS_MONTH, LAST_MONTH, THREE_MONTHS, SIX_MONTHS, ONE_YEAR, LAST_THREE_MONTHS, LAST_SIX_MONTHS, LAST_TWELVE_MONTHS
400	Y800: Invalid value for entityId; This id is either invalid or not supported for this insight.
400	Y802: Modifying insightTitle using this API is not allowed
400	Y802: Modifying isBenchmarkEnabled is not allowed
400	Y802: For insight FINANCIAL_FEES, passing isBenchmarkEnabled is not allowed
400	Y800: Invalid value for isBenchmarkEnabled Supported values are true, false
400	Y800: Invalid value for duration. Supported values of duration for MID_MONTHLY frequency are LAST_MONTH, LAST_THREE_MONTHS, LAST_SIX_MONTHS, LAST_TWELVE_MONTHS
400	Y802: For insight FINANCIAL_FEES, modifying applicableEntity is not allowed
400	Y802: For insight FINANCIAL_FEES, modifying triggerType is not allowed
400	Y802: For insight FINANCIAL_FEES, modifying container is not allowed
400	Y802: For insight FINANCIAL_FEES, modifying description is not allowed
400	Y802: Duplicate entityId entries within userConfiguration is not allowed
400	Y800: Invalid value for isSubscribed; Supported values are true, false
400	Y825: Update not allowed without a valid request body
400	Y802: For FINANCIAL_FEES insight passing threshold is not allowed
400	Y800: Invalid value for userConfiguration; entityId should be provided.
400	Y812: Required field/value - insightName missing in the request
400	Y802: Modifying InsightType attribute is not allowed
400	Y813: entityType should be provided
400	Y802: Duplicate entityId entries is not allowed
400	Y803: At least one additional attribute is required in addition to entityType.
400	Y800: Invalid value for userConfiguration; userConfiguration is either missing, duplicated, or has insufficient/ incorrect attributes
400	Y800: Invalid value for entityType. Supported entityType for FINANCIAL_FEES insight are - [ACCOUNT, VIEW]
400	Y800: Invalid value for input json
401	Y020: Invalid token in authorization header
401	Y020: Token has expired

GET Insight Feeds

The GET insights feed API retrieves all or a subset of the valid insight notifications generated for a particular user. However, using the insightName filter, the Financial Fees insight can be specifically requested.

Calculation Logic for Derived Attributes:
averageNetTotal = netTotal/duration

Method and URL:

GET /insights/feed

Header Parameters:

Key	Value
`Authorization`	Client credentials-based authorization	`Bearer {{Access Token}}`
	API key-based authentication	`Bearer {{JWT Token_Customer}}`
	Deprecated cobrand and user credential-based authentication	`cobSession={cobSession received in the cobrand login service}, userSession={userSession received in the user login service}`
`Content-Type`	`application/json`
`Api-Version`	`2.1`
`Api-Version`	`2`
`Cobrand-Name`	`{Name of the Customer}`

Sample Request:

GET /insights/feed?insightName=FINANCIAL_FEES

Sample Response:

For more information about the attributes that are returned in the API response, refer to the Insights Data Model page.

{
   "feed":[
      {
         "id":"61eab6acf67a7d75fb53d0ab",
         "insightName":"FINANCIAL_FEES",
         "insightTitle":"Financial Fees",
         "insightType":"OTHER",
         "triggerType":"SCHEDULE",
         "createdDate":"2022-01-21T13:35:40Z",
         "subscription":[
            {
               "entityId":"14542178",
               "entityType":"ACCOUNT",
               "frequency":"MID_MONTHLY",
               "duration":"LAST_THREE_MONTHS"
            }
         ],
         "basicAccount":[
            {
               "id":14542178,
               "providerName":"Dag Site",
               "accountName":"PDV_Test_Data_Sch/Ref",
               "accountStatus":"ACTIVE",
               "accountType":"CHECKING",
               "container":"bank",
               "link":{
                  "entityName":"account",
                  "url":"/accounts?accountId=14542178"
               },
               "basicTrend":[
                  {
                     "dateRange":{
                        "fromDate":"2021-10-01",
                        "toDate":"2021-12-31"
                     },
                     "categoryTrend":[
                        {
                           "categoryId":24,
                           "category":"Service Charges/Fees",
                           "debitTotal":{
                              "amount":1878.0,
                              "currency":"USD"
                           },
                           "creditTotal":{
                              "amount":578.0,
                              "currency":"USD"
                           },
                           "netTotal":{
                              "amount":1300.0,
                              "currency":"USD"
                           },
                           "averageNetTotal":{
                              "amount":1300.0,
                              "currency":"USD"
                           },
                           "link":{
                              "entityName":"transaction",
                              "url":"/derived/transactions?fromDate=2021-10-01&amp;toDate=2021-12-31&amp;categoryId=24&amp;accountId=14542178"
                           },
                           "basicPeerDetail":{
                              "dateRange":{
                                 "fromDate":"2021-10-01",
                                 "toDate":"2021-12-31"
                              },
                              "benchmarkAsOf":"Dec-2021",
                              "benchmark":[
                                 {
                                    "geo":{
                                       "level":"national",
                                       "value":"US"
                                    },
                                    "benchmarkLevel":"national",
                                    "netTotal":{
                                       "amount":41,
                                       "currency":"USD"
                                    },
                                    "numberOfPeers":3696502
                                 }
                              ]
                           },
                           "detail":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-12-01",
                                    "toDate":"2021-12-31"
                                 },
                                 "debitTotal":{
                                    "amount":626.0,
                                    "currency":"USD"
                                 },
                                 "creditTotal":{
                                    "amount":126.0,
                                    "currency":"USD"
                                 },
                                 "netTotal":{
                                    "amount":500.0,
                                    "currency":"USD"
                                 },
                                 "link":{
                                    "entityName":"transaction",
                                    "url":"/derived/transactions?fromDate=2021-12-01&amp;toDate=2021-12-31&amp;categoryId=24&amp;accountId=14542178"
                                 }
                              },
                              {
                                 "dateRange":{
                                    "fromDate":"2021-11-01",
                                    "toDate":"2021-11-30"
                                 },
                                 "debitTotal":{
                                    "amount":626.0,
                                    "currency":"USD"
                                 },
                                 "creditTotal":{
                                    "amount":326.0,
                                    "currency":"USD"
                                 },
                                 "netTotal":{
                                    "amount":300.0,
                                    "currency":"USD"
                                 },
                                 "link":{
                                    "entityName":"transaction",
                                    "url":"/derived/transactions?fromDate=2021-11-01&amp;toDate=2021-11-30&amp;categoryId=24&amp;accountId=14542178"
                                 }
                              },
                              {
                                 "dateRange":{
                                    "fromDate":"2021-10-01",
                                    "toDate":"2021-10-31"
                                 },
                                 "debitTotal":{
                                    "amount":626.0,
                                    "currency":"USD"
                                 },
                                 "creditTotal":{
                                    "amount":126.0,
                                    "currency":"USD"
                                 },
                                 "netTotal":{
                                    "amount":500.0,
                                    "currency":"USD"
                                 },
                                 "link":{
                                    "entityName":"transaction",
                                    "url":"/derived/transactions?fromDate=2021-10-01&amp;toDate=2021-10-31&amp;categoryId=24&amp;accountId=14542178"
                                 }
                              }
                           ]
                        }
                     ]
                  }
               ]
            }
         ]
      }
   ]
}