The GET /userReport/spendingReportByAccountGroupByCategoryXl API method retrieves a spending report for a financial account, grouped by merchant category, and returns the data in XLSX file format. This endpoint is ideal for users who prefer to download and analyze their spending reports using spreadsheet software.

Functionality:

Aggregates spending data for a specified financial account.
Groups transaction data by merchant categories for detailed analysis.
Outputs the report in XLSX format for convenient access and further manipulation.

Key Features:

Aggregated Data: Provides a summary of spending across categories, making it easier for users to track their financial habits.
Customizable Reporting: Options to filter data by date range for focused analysis on specific periods.
Spreadsheet Format: Outputs data in XLSX format, allowing users to utilize spreadsheet functionalities such as graphs, charts, and pivot tables.

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Summary:
The GET /userReport/spendingReportByAccountGroupByCategoryXl API method offers users a detailed spending report for a specified financial account, categorized by merchant type, and downloadable as an XLSX file. This endpoint enhances user experience by enabling convenient access to financial data for analysis and reporting in a widely-used spreadsheet format.