July 2021 Release Notes

Yodlee APIs – New Features/Enhancements

Get Transaction Categorization Rules Service Enhancements

In the GET transaction categorization rule API, a new field parentCategoryId has been introduced that will help locate the parent category ID information for the transactionCategorisationId.

Impacted API URL:   
GET    /transactions/categories/rules

 

Important Bug Fix - Get Transaction Categorization Rules Service

Existing functionality: In the GET transaction categorization rules service, the existing attribute transactionCategorisationId provides the parent category ID even if the rule is created for a user category.
Change done: If the rule is created for a user category, the transactionCategorisationId attribute will return the user category ID.

Impacted API URL:   
GET    /transactions/categories/rules

Financial Wellness – New Features/Enhancements

Utilized Categories API Enhancement

The GET utilized categories API retrieves the list of utilized transaction categories for a user for the last one year. An existing filter in API has been renamed from groupBy to categoryFamily while retaining the functionality.

Impacted API URL:   
GET    /transactions/utilizedCategories

 

Utilized Merchants API Enhancement

The GET utilized merchant API that retrieves the list of utilized merchants for a user for the last one year has been enhanced to return the associated categories for each of the merchant.

Impacted API URL:   
GET    /transactions/utilizedMerchants

Financial Insights – New Features/Enhancements

Configure Customer Preferences for Insights

For each insight, the customer can use the API to set preferences such as change the insight title, subscription for each insight, and all applicable thresholds. The preferences set by the customer for each insight impacts all the users subscribed to that insight. These preferences are inherited by the users for whom the specific insight is enabled.

API URL:   
PATCH    /insights/configs/customerSubscriptions

 

Configure User Preferences for Insights

The customer can enable their users to set preferences for each insight using the API. The preferences set by the user using this API impacts only the specific user. If a preference is set by the user, the user preference overrides the customer preferences while generating an insight. For example, For LOW_BALANCE_WARNING insight, the customer might set the minimum balance for insight generation at $1,000. However, the user can override this and configure his/her personal threshold as $500. The user also has the ability to specify preferences at an entity ID level i.e., account or view specific. Account ID 1 can have preference set A while Account ID 2 can have preference set B.
Only the insights enabled by the customer will be available to the user.

API URL:   
PATCH    /insights/configs/userSubscriptions

 

Fetch Insights Generated for a Customer

The API retrieves all the user subscribed insights for a specified duration. Currently, insights generated up to a year ago can be retrieved using this API. By default, the API returns details of all the insights that the customer has subscribed to. However, if the user has unsubscribed to a particular insight, then that insight will not be returned in the API response.

API URL:   
GET    /insights/configs/customerSubscriptions

 

Fetch Insights Generated for a User

The API retrieves all customer subscribed insights for a specified duration. Currently, insights generated up to a year ago can be retrieved using this API.

API URL:   
GET    /insights/configs/userSubscriptions

 

UI-based Configuration Tool for Customers

Instead of using the API, the customer can use the Insights Configuration tool UI to set preferences for each insight. The underlying API remains the same.

Create, Update, Delete, and Read a View

A view is a logical collection of transactions based on rules - any combination of accounts, categories, merchants, locations, transaction types, and more, that are of interest to consumers. The views APIs provide an ability to create, get, delete, or update a view.

API URLs:

POST    /view

 

GET    /view

 

PUT    /views/{viewId}

 

DELETE    /views/{viewId}

 

Fetch View Recommendations Based on User Transactions

To make it easier for users to start using views, the GET recommended views API recommends views for the user. The recommendation service looks at the transactions for a user for the last 90 days. Based on the transactions, one or more views can be recommended for a user. If there is not enough data or the user’s transactions does not match any views for recommendation, the API might return an empty response.

API URL:   
GET    /views/recommendations

 

Fetch Transactions for a View

Since views are made up of rules, each view will have a dynamic list of transactions associated with it. The GET views transactions API returns all the transactions associated with the view based on the rules, for the specified duration. By default, the last 30 days of data is returned.

API URL:   
GET    /views/{viewId}/transactions

 

Fetch Transaction Summary for a View

Since views are made up of rules, each view will have a dynamic list of transactions associated with it. The GET views transaction summary API summarizes the information and returns data such as credit total, debit total, and net total grouped by merchant, category, or category type depending on the parameter value provided. By default, data for the last 30 days is returned.

API URL:   
GET    /views/{viewId}/transactionSummary

 

Fetch Peer Data for a View

The GET views with peer benchmarking API returns the peer benchmarking data associated with merchants or category IDs explicitly mentioned as part of the view rule. The peer benchmarking attributes are returned only when the peer benchmarking feature is enabled for the customer.

API URL:   
GET    /views/{viewId}/peerData