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Spending Exceeded Average

Overview

The Spending Exceeded Average insight is a refresh-triggered insight that alerts users whenever their spending on a particular category exceeds the spending over the last three months in the same category by a pre-defined threshold amount and percentage. On successful refresh, the insight is generated for each category in the account that meets the above condition.

Following are the additional details for the insight:

Insight Name SPENDING_EXCEEDED_AVERAGE
Applicable Entity ACCOUNT
Insight Type OTHER
Trigger Type REFRESH
Supported Containers BANK, CARD

Use Cases

  • Customer:
    • User engagement
  • User:
    • Financial wellness - Users can keep track of their spending and know if a category spending is exceeding their usual spending behavior.

Suggested Action

Suggest users to create a VIEW based on the overspending categories, set a budget, and track spending.

Duplicate Insight Checks

To prevent the same insight from generating repeatedly, the insight is generated once in a calendar month for a category ID associated with an entity ID.

Insight Dynamic Trigger (On-Demand Evaluation)

The insight cannot be triggered on-demand using any of the on-demand trigger mechanisms currently available.

Peer Benchmarking Data

This insight does not provide peer benchmarking data.

Thresholds

Threshold lets the customer or the user decide when the user has to be alerted about the overspending. If the difference between the current spend amount and the three-month average spend amount exceeds the configured CHANGE AMOUNT and CHANGE PERCENT, an insight is generated for the user. If the customers or users want to generate the insight based on only one threshold, they can set the other to 0. If both are provided, both conditions need to be met.

  • Threshold Name: CHANGE
    • Data Type: AMOUNT
    • Range Allowed: 0.00 <= MINIMUM <= 10000.00
    • Default: 50.00
  • Threshold Name: CHANGE
    • Data Type: PERCENT
    • Range Allowed: 0.00 <= MINIMUM <= 500.00
    • Default: 10.00

Note: Only USD currency is currently supported. Depending on the customer segment and account, the threshold might need to be different for different users. If the default value is insufficient, the users can set a threshold they are comfortable tracking.

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.

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
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":"SPENDING_EXCEEDED_AVERAGE",
         "insightTitle":"Spending Exceeded Average",
         "insightType":"OTHER",
         "triggerType":"REFRESH",
         "containers":[
            "BANK",
            "CARD"
         ],
         "description":"Generates an insight when the difference, per category, between current spending and average spending over the previous three months is more than a configured threshold.",
         "applicableEntity":[
            "ACCOUNT"
         ],
         "customerConfiguration":[
            {
               "entityType":"ACCOUNT",
               "isSubscribed":true,
               "threshold":[
                  {
                     "name":"CHANGE",
                     "value":"50.00",
                     "type":"AMOUNT"
                  },
                  {
                     "name":"CHANGE",
                     "value":"10.00",
                     "type":"PERCENT"
                  }
               ]
            }
         ]
      }
   ]
}
  • Api-Version 2 Response
{
   "customerSubscription":[
      {
         "insightName":"SPENDING_EXCEEDED_AVERAGE",
         "insightTitle":"Spending Exceeded Average",
         "insightType":"OTHER",
         "triggerType":"REFRESH",
         "container":[
            "BANK",
            "CARD"
         ],
         "description":"Generates an insight when the difference, per category, between current spending and average spending over the previous three months is more than a configured threshold.",
         "applicableEntity":[
            "ACCOUNT"
         ],
         "customerConfiguration":[
            {
               "entityType":"ACCOUNT",
               "isSubscribed":true,
               "threshold":[
                  {
                     "name":"CHANGE",
                     "value":"50.00",
                     "type":"AMOUNT"
                  },
                  {
                     "name":"CHANGE",
                     "value":"10.00",
                     "type":"PERCENT"
                  }
               ]
            }
         ]
      }
   ]
}

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.

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
2
Cobrand-Name {Name of the Customer}

Editable Parameters:

Editable Attributes Impact Allowed Values
isSubscribed Subscribes or unsubscribes all the users from the Spending Exceeded Average insights. true, false
insightTitle The title returned in the GET feed API as well as the insights config tool can be changed. Alphanumeric characters up to 100 characters (including spaces)
threshold The following threshold values can be changed:
  • CHANGE AMOUNT: Changes the amount threshold for the difference between the current spend amount and the three month average spend amount.
  • CHANGE PERCENT: Changes the threshold for the difference in percentage between the current spend amount and the three month average spend amount.
  • CHANGE AMOUNT: Any number between 0.00 and 10000.00.
  • CHANGE PERCENT: Any number between 0.00 and 500.00.

Sample Request:

{
   "customerSubscription":[
      {
         "insightName":"SPENDING_EXCEEDED_AVERAGE",
         "insightTitle":"Spending Exceeded Average",
         "customerConfiguration":[
            {
               "entityType":"ACCOUNT",
               "isSubscribed":true,
               "threshold":[
                  {
                     "name":"CHANGE",
                     "value":"0.00",
                     "type":"AMOUNT"
                  },
                  {
                     "name":"CHANGE",
                     "value":"10.00",
                     "type":"PERCENT"
                  }
               ]
            }
         ]
      }
   ]
}

Response 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 CHANGE in SPENDING_EXCEEDED_AVERAGE insight Min = 0.00 and Max = 10000.00
400 Y800: Invalid value for CHANGE in SPENDING_EXCEEDED_AVERAGE insight Min = 0.00 and Max = 500.00
400 Y813: Invalid request. The entire object within threshold should be provided
400 Y802: For insight SPENDING_EXCEEDED_AVERAGE, modifying applicableEntity is not allowed
400 Y802: For insight SPENDING_EXCEEDED_AVERAGE, modifying triggerType is not allowed
400 Y802: For insight SPENDING_EXCEEDED_AVERAGE, modifying container is not allowed
400 Y802: For insight SPENDING_EXCEEDED_AVERAGE, modifying description 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 Y802: Specifying frequency attribute for SPENDING_EXCEEDED_AVERAGE insight is not allowed
400 Y802: Specifying duration attribute for SPENDING_EXCEEDED_AVERAGE insight is not allowed
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 SPENDING_EXCEEDED_AVERAGE insight are - [ACCOUNT]
400 Y802: For SPENDING_EXCEEDED_AVERAGE insight, {Invalid String} inside the threshold is either repeated or not allowed
400 Y802: For SPENDING_EXCEEDED_AVERAGE insight, {Invalid String} inside the threshold is not allowed
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.

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
2
Cobrand-Name {Name of the Customer}

Sample Request:

GET /insights/configs/userSubscriptions?insightName=SPENDING_EXCEEDED_AVERAGE

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":"SPENDING_EXCEEDED_AVERAGE",
         "insightTitle":"Spending Exceeded Average",
         "insightType":"OTHER",
         "triggerType":"REFRESH",
         "containers":[
            "BANK",
            "CARD"
         ],
         "description":"Generates an insight when the difference, per category, between current spending and average spending over the previous three months is more than a configured threshold.",
         "applicableEntity":[
            "ACCOUNT"
         ],
         "userConfiguration":[
            {
               "entityType": "ACCOUNT",
               "entityId": "10255809",
               "isSubscribed":true,
               "threshold":[
                  {
                     "name":"CHANGE",
                     "value":"50.00",
                     "type":"AMOUNT"
                  },
                  {
                     "name":"CHANGE",
                     "value":"10.00",
                     "type":"PERCENT"
                  }
               ]
            }
         ],
         "customerConfiguration":[
            {
               "entityType":"ACCOUNT",
               "isSubscribed":true,
               "threshold":[
                  {
                     "name":"CHANGE",
                     "value":"50.00",
                     "type":"AMOUNT"
                  },
                  {
                     "name":"CHANGE",
                     "value":"10.00",
                     "type":"PERCENT"
                  }
               ]
            }
         ]
      }
   ]
}
  • Api-Version 2 Response
{
   "userSubscription":[
      {
         "insightName":"SPENDING_EXCEEDED_AVERAGE",
         "insightTitle":"Spending Exceeded Average",
         "insightType":"OTHER",
         "triggerType":"REFRESH",
         "container":[
            "BANK",
            "CARD"
         ],
         "description":"Generates an insight when the difference, per category, between current spending and average spending over the previous three months is more than a configured threshold.",
         "applicableEntity":[
            "ACCOUNT"
         ],
         "userConfiguration":[
            {
               "entityType": "ACCOUNT",
               "entityId": "10255809",
               "isSubscribed":true,
               "threshold":[
                  {
                     "name":"CHANGE",
                     "value":"50.00",
                     "type":"AMOUNT"
                  },
                  {
                     "name":"CHANGE",
                     "value":"10.00",
                     "type":"PERCENT"
                  }
               ]
            }
         ],
         "customerConfiguration":[
            {
               "entityType":"ACCOUNT",
               "isSubscribed":true,
               "threshold":[
                  {
                     "name":"CHANGE",
                     "value":"50.00",
                     "type":"AMOUNT"
                  },
                  {
                     "name":"CHANGE",
                     "value":"10.00",
                     "type":"PERCENT"
                  }
               ]
            }
         ]
      }
   ]
}

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, then add that account using the PATCH user subscription API. The customer default threshold values will apply if the user has not set any values.

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
2
Cobrand-Name {Name of the Customer}

Editable Parameters:

Editable Attributes Impact Allowed Values
entityId The ID of the account for which the insight gets evaluated. Valid IDs for accounts belonging to the user.
isSubscribed Subscribes or unsubscribes from the Spending Exceeded Average insights. true, false
threshold The following threshold values can be changed:
  • CHANGE AMOUNT: Changes the amount threshold for the difference between the current spend amount and the three month average spend amount.
  • CHANGE PERCENT: Changes the threshold for the difference in percentage between the current spend amount and the three month average spend amount.
  • CHANGE AMOUNT: Any number between 0.00 and 10000.00.
  • CHANGE PERCENT: Any number between 0.00 and 500.00.

Sample Request:

{
   "userSubscription":[
      {
         "insightName":"SPENDING_EXCEEDED_AVERAGE",
         "userConfiguration":[
            {
               "entityType": "ACCOUNT",
               "entityId": "10255809",
               "isSubscribed":true,
               "threshold":[
                  {
                     "name":"CHANGE",
                     "value":"0.00",
                     "type":"AMOUNT"
                  },
                  {
                     "name":"CHANGE",
                     "value":"10.00",
                     "type":"PERCENT"
                  }
               ]
            }
         ]
      }
   ]
}

Error Messages:

HTTP Status Code Reason
400 Y806: Invalid input
400 Y800: Invalid value for insightName
400 Y800: Invalid value for input param in SPENDING_EXCEEDED_AVERAGE insight
400 Y800: Invalid value for threshold data in SPENDING_EXCEEDED_AVERAGE insight
400 Y800: Invalid value for CHANGE in SPENDING_EXCEEDED_AVERAGE insight Min = 0.00 and Max = 10000.00
400 Y800: Invalid value for CHANGE in SPENDING_EXCEEDED_AVERAGE insight Min = 0.00 and Max = 500.00
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 Y813: Invalid request. The entire object within threshold should be provided
400 Y802: For insight SPENDING_EXCEEDED_AVERAGE, modifying applicableEntity is not allowed
400 Y802: For insight SPENDING_EXCEEDED_AVERAGE, modifying triggerType is not allowed
400 Y802: For insight SPENDING_EXCEEDED_AVERAGE, modifying container is not allowed
400 Y802: For insight SPENDING_EXCEEDED_AVERAGE, modifying description is not allowed
400 Y802: Duplicate entityId entries within userConfiguration is not allowed
400 Y802: Specifying frequency attribute for SPENDING_EXCEEDED_AVERAGE insight is not allowed
400 Y802: Specifying duration attribute for SPENDING_EXCEEDED_AVERAGE insight 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 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 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, you can specifically request for the Spending Exceeded Average insight only.

Calculation logic for derived attributes:
averageNetTotal = netTotal/3

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
2
Cobrand-Name {Name of the Customer}

Sample Request:

GET /insights/feed?insightName=SPENDING_EXCEEDED_AVERAGE

Sample Response:

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

{
   "feed":[
      {
         "id":"60d43d99d59fdb46b0c910d5",
         "insightName":"SPENDING_EXCEEDED_AVERAGE",
         "insightTitle":"Spending Exceeded Average",
         "insightType":"OTHER",
         "triggerType":"REFRESH",
         "createdDate":"2021-06-24T08:08:49Z",
         "subscription":[
            {
               "entityId":"13709572",
               "entityType":"ACCOUNT",
               "threshold":[
                  {
                     "name":"CHANGE",
                     "value":"50.00",
                     "type":"AMOUNT"
                  },
                  {
                     "name":"CHANGE",
                     "value":"10.00",
                     "type":"PERCENT"
                  }
               ]
            }
         ],
         "basicAccount":[
            {
               "id":13709572,
               "providerName":"Dag Site",
               "accountName":"PDV Test Data- All Category",
               "accountType":"OTHER",
               "isAsset":true,
               "container":"bank",
               "link":{
                  "entityName":"account",
                  "url":"/accounts?accountId=13709572"
               },
               "basicTrend":[
                  {
                     "dateRange":{
                        "fromDate":"2021-06-01",
                        "toDate":"2021-06-24"
                     },
                     "categoryTrend":[
                        {
                           "categoryId":2,
                           "category":"Automotive Expenses",
                           "netTotal":{
                              "amount":1308.75,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":872.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":102,
                           "category":"Business Miscellaneous",
                           "netTotal":{
                              "amount":1308.75,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":872.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":108,
                           "category":"Dues and Subscriptions",
                           "netTotal":{
                              "amount":1308.75,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":872.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":9,
                           "category":"Gifts",
                           "netTotal":{
                              "amount":1308.75,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":872.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":21,
                           "category":"Rent",
                           "netTotal":{
                              "amount":1308.75,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":872.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":38,
                           "category":"Telephone Services",
                           "netTotal":{
                              "amount":1308.75,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":872.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":3,
                           "category":"Charitable Giving",
                           "netTotal":{
                              "amount":1344.75,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":896.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":4,
                           "category":"Child/Dependent Expenses",
                           "netTotal":{
                              "amount":1344.75,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":896.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":6,
                           "category":"Education",
                           "netTotal":{
                              "amount":1344.75,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":896.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":7,
                           "category":"Entertainment",
                           "netTotal":{
                              "amount":1344.75,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":896.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":11,
                           "category":"Healthcare/Medical",
                           "netTotal":{
                              "amount":1344.75,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":896.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":34,
                           "category":"Hobbies",
                           "netTotal":{
                              "amount":1344.75,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":896.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":18,
                           "category":"Mortgages",
                           "netTotal":{
                              "amount":1344.75,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":896.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":42,
                           "category":"Pets/Pet Care",
                           "netTotal":{
                              "amount":1344.75,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":896.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":37,
                           "category":"Taxes",
                           "netTotal":{
                              "amount":1344.75,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":896.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":44,
                           "category":"General Merchandise",
                           "netTotal":{
                              "amount":2617.5,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":1745.0,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":45,
                           "category":"Office Supplies",
                           "netTotal":{
                              "amount":2617.5,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":1745.0,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":22,
                           "category":"Restaurants/Dining",
                           "netTotal":{
                              "amount":2617.5,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":1745.0,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":39,
                           "category":"Utilities",
                           "netTotal":{
                              "amount":2617.5,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":1745.0,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":112,
                           "category":"Wages Paid",
                           "netTotal":{
                              "amount":2617.5,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":1745.0,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":10,
                           "category":"Groceries",
                           "netTotal":{
                              "amount":2653.5,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":1769.0,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":17,
                           "category":"Loans",
                           "netTotal":{
                              "amount":2653.5,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":1769.0,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":23,
                           "category":"Travel",
                           "netTotal":{
                              "amount":2653.5,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":1769.0,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":104,
                           "category":"Postage and Shipping",
                           "netTotal":{
                              "amount":2689.5,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":1793.0,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":24,
                           "category":"Service Charges/Fees",
                           "netTotal":{
                              "amount":2689.5,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":1793.0,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":13,
                           "category":"Home Improvement",
                           "netTotal":{
                              "amount":3926.25,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":2617.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":15,
                           "category":"Cable/Satellite Services",
                           "netTotal":{
                              "amount":3962.25,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":2641.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":8,
                           "category":"Gasoline/Fuel",
                           "netTotal":{
                              "amount":3962.25,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":2641.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":14,
                           "category":"Insurance",
                           "netTotal":{
                              "amount":3998.25,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":2665.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":16,
                           "category":"Online Services",
                           "netTotal":{
                              "amount":4034.25,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":2689.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":5,
                           "category":"Clothing/Shoes",
                           "netTotal":{
                              "amount":6651.75,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":4434.5,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        },
                        {
                           "categoryId":19,
                           "category":"Other Expenses",
                           "netTotal":{
                              "amount":34389.48,
                              "currency":"USD"
                           },
                           "categoryDerived":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-03-01",
                                    "toDate":"2021-05-31"
                                 },
                                 "averageNetTotal":{
                                    "amount":27286.57,
                                    "currency":"USD"
                                 }
                              }
                           ]
                        }
                     ]
                  }
               ]
            }
         ]
      }
   ]
}