where(function ($q) use ($request) { $q->whereNull('user_id') ->orWhere('user_id', $request->user()->id); }); if ($request->has('since')) { $query->where('updated_at', '>', $request->input('since')); } $banks = $query->orderBy('updated_at', 'asc')->get(); return response()->json([ 'data' => $banks, ]); } }