public BankTransferReferenceResponse PostBankTransferReference(BankTransferReferenceRequest request, string userId)
 {
     var uri = CreateUri(userId, banktransferreferences);
     return PostAsync<BankTransferReferenceRequest, BankTransferReferenceResponse>(uri, request);
 }
 public BankTransferReferenceResponse PostBankTransferReference(string userId)
 {
     var request = new BankTransferReferenceRequest { IsMine = true };
     return PostBankTransferReference(request, userId);
 }