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Suggested Saving Opportunity

Overview

The Suggested Saving Opportunity insight is a schedule-triggered insight that compares user's spending across categories with the user's peer spending across all their aggregated bank and card accounts.
The goal of this insight is to help users identify categories (not necessarily the top categories by spending amount) where they spend more than their peers. The insight will trigger only if the difference between user spending and peer spending is above a user-defined threshold.

Note: The peer benchmark feature has to be enabled as a pre-requisite to subscribe to this insight.

Following are the additional details for the insight:

Insight Name SUGGESTED_SAVING_OPPORTUNITY
Applicable Entity ACCOUNT
Insight Type AGGREGATE
Trigger Type SCHEDULE
Supported Containers BANK, CARD

Use Cases

  • Customer:
    • User engagement
  • User:
    • Financial wellness - Keep a track of spending
    • Compare spending with peers

Suggested Action

Suggest users to create a VIEW based on the categories in which user has overspent compared to their peers, set a budget, and track spending.

Duplicate Insight Checks

To prevent the same insight from generating repeatedly, the insight is generated only once per scheduled frequency for a user.

The following is the applicable frequency for this insight:

Frequency Description
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 insight can be triggered using the following on-demand insight trigger API:

Method and URL:

POST   /insights/trigger

Peer Benchmarking Data

This insight provides peer benchmarking (PB) data. This insight cannot be subscribed by customer or user if the customer has not opted for the PB feature during onboarding. The PB feature can be opted post onboarding too.

Based on the segmentation parameter provided by the user, PB data is returned for categories at the peer, state, and national benchmark levels. The order of priority for levels depends on the benchmarkLevel attribute and is as follows peer>state>national.

Thresholds

Threshold lets the customer or the user decide when the user has to be alerted about a change in the amount that could potentially save compared to their peers spending.

  • Threshold Name: CHANGE
    • Data Type: AMOUNT
    • Range Allowed: 0.01 < = MINIMUM <= 10000.00
    • Default: 100.00
  • Threshold Name: CHANGE
    • Data Type: PERCENT
    • Range Allowed: 0.00 < = MINIMUM <= 500
    • Default: 10.00

Note: Only USD currency is currently supported. Depending on the customer segment and account, 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. The default frequency for the insight is MID_MONTHLY and default duration is LAST_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
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": "SUGGESTED_SAVING_OPPORTUNITY",
            "insightTitle": "Suggested Saving Opportunity",
            "insightType": "AGGREGATE",
            "triggerType": "SCHEDULE",
            "containers": [
                "BANK",
                "CARD"
            ],
             "description": "Generates an insight that provides information about categories the users could potentially save compared to his peers spending.",
            "applicableEntity": [
                "ACCOUNT"
            ],
            "customerConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "isSubscribed": true,
                    "frequency": "MID_MONTHLY",
                    "duration": "LAST_THREE_MONTHS",
                    "threshold": [
                        {
                            "name": "CHANGE",
                            "value": "100.00",
                            "type": "AMOUNT"
                        },
                        {
                            "name": "CHANGE",
                            "value": "10.00",
                            "type": "PERCENT"
                        }
                    ],
                   "isBenchmarkEnabled":true
                }
            ]
        }
   ]
}
  • Api-Version 2 Response
{
   "customerSubscription":[
     {
            "insightName": "SUGGESTED_SAVING_OPPORTUNITY",
            "insightTitle": "Suggested Saving Opportunity",
            "insightType": "AGGREGATE",
            "triggerType": "SCHEDULE",
            "container": [
                "BANK",
                "CARD"
            ],
             "description": "Generates an insight that provides information about categories the users could potentially save compared to his peers spending.",
            "applicableEntity": [
                "ACCOUNT"
            ],
            "customerConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "isSubscribed": true,
                    "frequency": "MID_MONTHLY",
                    "duration": "LAST_THREE_MONTHS",
                    "threshold": [
                        {
                            "name": "CHANGE",
                            "value": "100.00",
                            "type": "AMOUNT"
                        },
                        {
                            "name": "CHANGE",
                            "value": "10.00",
                            "type": "PERCENT"
                        }
                    ],
                   "isBenchmarkEnabled":true
                }
            ]
        }
   ]
}

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 true and cannot be modified.

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 Suggested Saving Opportunity insight. 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)
duration The data range that should be considered for evaluating the transactions.
  • LAST_MONTH (last month)
  • LAST_THREE_MONTHS
  • LAST_SIX_MONTHS
  • LAST_TWELVE_MONTHS
threshold The following threshold values can be changed:
  • CHANGE AMOUNT: Changes the amount threshold.
  • CHANGE PERCENT: Changes the percentage threshold.
  • CHANGE AMOUNT: Any number between 0.01 and 10000.00.
  • CHANGE PERCENT: Any number between 0.00 and 500.00.

Sample Request:

{
    "customerSubscription": [
        {
            "insightName": "SUGGESTED_SAVING_OPPORTUNITY",
            "insightTitle": "Suggested Saving Opportunity",
            "customerConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "isSubscribed": true,
                    "duration": "LAST_THREE_MONTHS",
                    "threshold": [
                        {
                            "name": "CHANGE",
                            "value": "100.00",
                            "type": "AMOUNT"
                        },
                        {
                            "name": "CHANGE",
                            "value": "10.00",
                            "type": "PERCENT"
                        }
                   ],
                   "isBenchmarkEnabled":true
                }
            ]
        }
    ]
}

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 duration; Supported values are LAST MONTH, LAST_THREE_MONTHS, LAST_SIX_MONTHS, LAST_TWELVE_MONTHS
400 Y800:  Invalid value for CHANGE in SUGGESTED_SAVING_OPPORTUNITY insight Min =0.00 and Max = 500.00
400 Y800:  Invalid value for CHANGE in SUGGESTED_SAVING_OPPORTUNITY insight Min =0.01 and Max = 10000.00
400 Y813:  Invalid request. The entire object within threshold should be provided
400 Y800:  Invalid value for isBenchmarkEnabled Supported values are true, false
400 Y802:  Modifying isBenchmarkEnabled is not allowed
400 Y802:  For insight SUGGESTED_SAVING_OPPORTUNITY, modifying isSubscribed is not allowed
400 Y800:  SUGGESTED_SAVING_OPPORTUNITY cannot be subscribed without benchmark enabled for the customer
400 Y800:  Invalid value for isSubscribed. SUGGESTED_SAVING_OPPORTUNITY cannot be subscribed without benchmark enabled for the customer
400 Y802:  For insight SUGGESTED_SAVING_OPPORTUNITY, modifying applicableEntity is not allowed
400 Y802:  For insight SUGGESTED_SAVING_OPPORTUNITY, modifying triggerType is not allowed
400 Y802:  For insight SUGGESTED_SAVING_OPPORTUNITY, modifying container is not allowed
400 Y802:  For insight SUGGESTED_SAVING_OPPORTUNITY, modifying description is not allowed
400 Y802:  For insight SUGGESTED_SAVING_OPPORTUNITY, modifying frequency 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 SUGGESTED_SAVING_OPPORTUNITY insight are - [ACCOUNT]
400 Y802:  For SUGGESTED_SAVING_OPPORTUNITY insight, {Invalid String} inside the threshold is either repeated or not allowed
400 Y802:  For SUGGESTED_SAVING_OPPORTUNITY 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.

The entityId filter does not apply to this 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=SUGGESTED_SAVING_OPPORTUNITY

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": "SUGGESTED_SAVING_OPPORTUNITY",
            "insightTitle": "Suggested Saving Opportunity",
            "insightType": "AGGREGATE",
            "triggerType": "SCHEDULE",
            "containers": [
                "BANK",
                "CARD"
            ],
            "description": "Generates an insight that provides information about categories the users could potentially save compared to his peers spending.",
            "applicableEntity": [
                "ACCOUNT"
            ],
            "userConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "isSubscribed": true,
                    "frequency": "MID_MONTHLY",
                    "duration": "LAST_THREE_MONTHS",
                    "threshold": [
                        {
                            "name": "CHANGE",
                            "value": "100.00",
                            "type": "AMOUNT"
                        },
                        {
                            "name": "CHANGE",
                            "value": "10.00",
                            "type": "PERCENT"
                            }
                    ],
                    "isBenchmarkEnabled": true
                }
            ],
            "customerConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "isSubscribed": true,
                    "frequency": "MID_MONTHLY",
                    "duration": "LAST_THREE_MONTHS",
                    "threshold": [
                        {
                            "name": "CHANGE",
                            "value": "100.00",
                            "type": "AMOUNT"
                        },
                        {
                            "name": "CHANGE",
                            "value": "10.00",
                            "type": "PERCENT"
                        }
                    ],
                    "isBenchmarkEnabled": true
                }
            ]
        }
   ]
}
  • Api-Version 2 Response
{
   "userSubscription":[
    {
            "insightName": "SUGGESTED_SAVING_OPPORTUNITY",
            "insightTitle": "Suggested Saving Opportunity",
            "insightType": "AGGREGATE",
            "triggerType": "SCHEDULE",
            "container": [
                "BANK",
                "CARD"
            ],
            "description": "Generates an insight that provides information about categories the users could potentially save compared to his peers spending.",
            "applicableEntity": [
                "ACCOUNT"
            ],
            "userConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "isSubscribed": true,
                    "frequency": "MID_MONTHLY",
                    "duration": "LAST_THREE_MONTHS",
                    "threshold": [
                        {
                            "name": "CHANGE",
                            "value": "100.00",
                            "type": "AMOUNT"
                        },
                        {
                            "name": "CHANGE",
                            "value": "10.00",
                            "type": "PERCENT"
                            }
                    ],
                    "isBenchmarkEnabled": true
                }
            ],
            "customerConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "isSubscribed": true,
                    "frequency": "MID_MONTHLY",
                    "duration": "LAST_THREE_MONTHS",
                    "threshold": [
                        {
                            "name": "CHANGE",
                            "value": "100.00",
                            "type": "AMOUNT"
                        },
                        {
                            "name": "CHANGE",
                            "value": "10.00",
                            "type": "PERCENT"
                        }
                    ],
                    "isBenchmarkEnabled": true
                }
            ]
        }
   ]
}

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.

If the customer has opted for the PB feature during onboarding, the isBenchmarkEnabled field will be by default true and cannot be modified.

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
isSubscribed Subscribes or unsubscribes from the Suggested Saving Opportunity insight. true, false
duration The data range that should be considered for evaluating the transactions.
  • LAST_MONTH (last month)
  • LAST_THREE_MONTHS
  • LAST_SIX_MONTHS
  • LAST_TWELVE_MONTHS
threshold The following threshold values can be changed:
  • CHANGE AMOUNT: Changes the amount threshold.
  • CHANGE PERCENT: Changes the percentage threshold.
  • CHANGE AMOUNT: Any number between 0.01 and 10000.00.
  • CHANGE PERCENT: Any number between 0.00 and 500.00.

Sample Request:

{
   "userSubscription":[
      {
         "insightName": "SUGGESTED_SAVING_OPPORTUNITY",
         "userConfiguration":[
            {
                    "entityType": "ACCOUNT",
                    "isSubscribed": true,
                    "duration": "LAST_THREE_MONTHS",
                    "threshold": [
                        {
                            "name": "CHANGE",
                            "value": "100.00",
                            "type": "AMOUNT"
                        },
                        {
                         "name": "CHANGE",
                            "value": "10.00",
                            "type": "PERCENT"
                        }
                    ],
                   "isBenchmarkEnabled": true
                }
         ]
      }
   ]
}

Response Messages:

HTTP Status Code Reason
400 Y806:  Invalid input
400 Y800:  Invalid value for insightName
400 Y800:  Invalid value for input param in SUGGESTED_SAVING_OPPORTUNITY insight
400 Y800:  Invalid value for duration; Supported values are LAST MONTH, LAST_THREE_MONTHS, LAST_SIX_MONTHS, LAST_TWELVE_MONTHS
400 Y800:  Invalid value for threshold data in SUGGESTED_SAVING_OPPORTUNITY insight
400 Y800:  Invalid value for CHANGE in SUGGESTED_SAVING_OPPORTUNITY insight Min =0.00 and Max = 500.00
400 Y800:  Invalid value for CHANGE in SUGGESTED_SAVING_OPPORTUNITY insight Min =0.01 and Max = 10000.00
400 Y802:  Modifying insightTitle using this API is not allowed
400 Y813:  Invalid request. The entire object within threshold should be provided
400 Y800:  Invalid value for isBenchmarkEnabled Supported values are true, false
400 Y802:  For insight SUGGESTED_SAVING_OPPORTUNITY, modifying isSubscribed is not allowed
400 Y802:  Modifying isBenchmarkEnabled is not allowed
400 Y800:  SUGGESTED_SAVING_OPPORTUNITY cannot be subscribed without benchmark enabled for the customer
400 Y800:  Invalid value for isSubscribed. SUGGESTED_SAVING_OPPORTUNITY cannot be subscribed without benchmark enabled for the customer
400 Y802:  For insight SUGGESTED_SAVING_OPPORTUNITY, modifying applicableEntity is not allowed
400 Y802:  For insight SUGGESTED_SAVING_OPPORTUNITY, modifying triggerType is not allowed
400 Y802:  For insight SUGGESTED_SAVING_OPPORTUNITY, modifying container is not allowed
400 Y802:  For insight SUGGESTED_SAVING_OPPORTUNITY, modifying description is not allowed
400 Y802:  For insight SUGGESTED_SAVING_OPPORTUNITY, modifying frequency 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 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 userConfiguration; userConfiguration is either missing, duplicated, or has insufficient/ incorrect attributes
400 Y802:  For insight SUGGESTED_SAVING_OPPORTUNITY, configurations at an entityId level are not allowed
400 Y800: Invalid value for entityType. Supported entityType for SUGGESTED_SAVING_OPPORTUNITY insight are - [ACCOUNT]
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 Suggested Saving Opportunity insight only.

The entityId filter does not apply to this insight.

Calculation Logic for Derived Attributes:

  • spendAmount = netTotal/duration
  • averageNetTotal = benchmark.netTotal.amount
  • peerSpendingComparison = netTotal-spendAmount
  • peerSpendDifferencePercent = {(netTotal-spendAmount)/spendAmount}*100

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=SUGGESTED_SAVING_OPPORTUNITY

Sample Response:

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

{
   "feed":[
      {
         "id":"620c7e4cc7f8610cec1d9d1f",
         "insightName":"SUGGESTED_SAVING_OPPORTUNITY",
         "insightTitle":"Suggested Saving Opportunity",
         "insightType":"AGGREGATE",
         "triggerType":"SCHEDULE",
         "createdDate":"2022-02-16T04:32:09Z",
         "subscription":[
            {
               "entityType":"ACCOUNT",
               "frequency":"MID_MONTHLY",
               "duration":"LAST_THREE_MONTHS",
               "threshold":[
                  {
                     "name":"CHANGE",
                     "value":"100.00",
                     "type":"AMOUNT"
                  },
                  {
                     "name":"CHANGE",
                     "value":"10.00",
                     "type":"PERCENT"
                  }
               ]
            }
         ],
         "basicAccount":[
            {
               "id":14693669,
               "providerName":"Dag Site",
               "accountName":"Super CD Plus",
               "accountStatus":"ACTIVE",
               "accountType":"CREDIT",
               "container":"creditCard",
               "link":{
                  "entityName":"account",
                  "url":"/accounts?accountId=14693669"
               }
            },
            {
               "id":14693668,
               "providerName":"Dag Site",
               "accountName":"Yodlee",
               "accountStatus":"ACTIVE",
               "accountType":"OTHER",
               "container":"bank",
               "link":{
                  "entityName":"account",
                  "url":"/accounts?accountId=14693668"
               }
            },
            {
               "id":14693667,
               "providerName":"Dag Site",
               "accountName":"Trap",
               "accountStatus":"ACTIVE",
               "accountType":"CHECKING",
               "container":"bank",
               "link":{
                  "entityName":"account",
                  "url":"/accounts?accountId=14693667"
               }
            }
         ],
         "basicCategoryDetail":[
            {
               "categoryId":11,
               "category":"Healthcare/Medical",
               "netTotal":{
                  "amount":6300.00,
                  "currency":"USD"
               },
               "averageNetTotal":{
                  "amount":2100.00,
                  "currency":"USD"
               },
               "link":{
                  "entityName":"transaction",
                  "url":"/derived/transactions?fromDate=2021-11-01&amp;toDate=2022-01-31&amp;categoryId=11&amp;accountId=14693669,14693668,14693667"
               },
               "basicPeerDetail":{
                  "dateRange":{
                     "fromDate":"2021-11-01",
                     "toDate":"2022-01-31"
                  },
                  "benchmarkAsOf":"Jan-2022",
                  "benchmark":[
                     {
                        "geo":{
                           "level":"national",
                           "value":"US"
                        },
                        "benchmarkLevel":"national",
                        "netTotal":{
                           "amount":167.00,
                           "currency":"USD"
                        },
                        "numberOfPeers":3976329
                     }
                  ]
               },
               "peerSpendingComparison":{
                  "peerSpendDifference":{
                     "amount":6133.00,
                     "currency":"USD"
                  },
                  "peerSpendDifferencePercent":3672.46
               }
            },
            {
               "categoryId":2,
               "category":"Automotive Expenses",
               "netTotal":{
                  "amount":2850.00,
                  "currency":"USD"
               },
               "averageNetTotal":{
                  "amount":950.00,
                  "currency":"USD"
               },
               "link":{
                  "entityName":"transaction",
                  "url":"/derived/transactions?fromDate=2021-11-01&amp;toDate=2022-01-31&amp;categoryId=2&amp;accountId=14693669,14693668,14693667"
               },
               "basicPeerDetail":{
                  "dateRange":{
                     "fromDate":"2021-11-01",
                     "toDate":"2022-01-31"
                  },
                  "benchmarkAsOf":"Jan-2022",
                  "benchmark":[
                     {
                        "geo":{
                           "level":"national",
                           "value":"US"
                        },
                        "benchmarkLevel":"national",
                        "netTotal":{
                           "amount":150.00,
                           "currency":"USD"
                        },
                        "numberOfPeers":3628620
                     }
                  ]
               },
               "peerSpendingComparison":{
                  "peerSpendDifference":{
                     "amount":2700.00,
                     "currency":"USD"
                  },
                  "peerSpendDifferencePercent":1800.00
               }
            },
            {
               "categoryId":38,
               "category":"Telephone Services",
               "netTotal":{
                  "amount":2994.00,
                  "currency":"USD"
               },
               "averageNetTotal":{
                  "amount":998.00,
                  "currency":"USD"
               },
               "link":{
                  "entityName":"transaction",
                  "url":"/derived/transactions?fromDate=2021-11-01&amp;toDate=2022-01-31&amp;categoryId=38&amp;accountId=14693669,14693668,14693667"
               },
               "basicPeerDetail":{
                  "dateRange":{
                     "fromDate":"2021-11-01",
                     "toDate":"2022-01-31"
                  },
                  "benchmarkAsOf":"Jan-2022",
                  "benchmark":[
                     {
                        "geo":{
                           "level":"national",
                           "value":"US"
                        },
                        "benchmarkLevel":"national",
                        "netTotal":{
                           "amount":428.00,
                           "currency":"USD"
                        },
                        "numberOfPeers":3293458
                     }
                  ]
               },
               "peerSpendingComparison":{
                  "peerSpendDifference":{
                     "amount":2566.00,
                     "currency":"USD"
                  },
                  "peerSpendDifferencePercent":599.53
               }
            },
            {
               "categoryId":17,
               "category":"Loans",
               "netTotal":{
                  "amount":3634.00,
                  "currency":"USD"
               },
               "averageNetTotal":{
                  "amount":1211.33,
                  "currency":"USD"
               },
               "link":{
                  "entityName":"transaction",
                  "url":"/derived/transactions?fromDate=2021-11-01&amp;toDate=2022-01-31&amp;categoryId=17&amp;accountId=14693669,14693668,14693667"
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