{"id":4227,"date":"2019-02-13T07:37:55","date_gmt":"2019-02-13T06:37:55","guid":{"rendered":"https:\/\/www.newmoneyreview.com\/?p=4227"},"modified":"2019-03-18T09:56:23","modified_gmt":"2019-03-18T08:56:23","slug":"the-most-valuable-dataset-in-the-world","status":"publish","type":"post","link":"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/","title":{"rendered":"The most valuable dataset in the world"},"content":{"rendered":"

If you thought payments were just about the transfer of value from A to B, you were wrong.<\/p>\n

\u201cPayments are not about the movement of money any more, they are about data,\u201d says Michael Rolph, CEO of Yoyo, a mobile phone-based digital wallet that allows vendors to personalise loyalty rewards and offers for their retail customers.<\/p>\n

Michael Rolph<\/em><\/p>\n

\"\"<\/p>\n

Yoyo has 1.5 million customers and tie-ups with Caffe Nero and Planet Organic, among other retailers.<\/p>\n

\u201cThe most valuable dataset in the world is knowing who a person is and what they buy,\u201d Rolph told New Money Review<\/em>.<\/p>\n

Imagine if, instead of just seeing us as a walk-in customer, whose payment it either accepts or declines, a retailer could know other types of information about us: for example, whether we were visiting for the third time this week and spending more than normal; whether we were redeeming an offer and if we\u2019d shared that offer with a friend; or if we were moving from A to B.<\/p>\n

If we are buying online, internet retailers like Amazon already have a whole host of similar information about our purchasing habits. Rolph\u2019s company extends the principle to high-street retailers, who have traditionally lacked any equivalent purchaser information.<\/p>\n

Yoyo insists it does this on an anonymised basis: retailers can\u2019t see our actual identities, merely a tokenised representation of the individuals who walk into their stores.<\/p>\n

Customers paying with Yoyo\u2019s digital wallet now represent over 15 percent of sales at Caffe Nero, says Yoyo, while its average share of checkout transaction volumes at high street stores ranges from 12.5 to 30 percent, depending on the retailer it is working with.<\/p>\n

\u201cWe can earn money from our behaviour\u201d<\/p><\/blockquote>\n

Rolph believes that the merging of payment information with information about our habits and preferences is an inevitable trend.<\/p>\n

\u201cThere\u2019s definitely a world that can evolve around how we as individuals are incentivised to open up information about ourselves to the brands and retailers that are more relevant to the lifestyles we are living,\u201d he told New Money Review<\/em>.<\/p>\n

\u201cWe can earn money from our behaviour. And for the retailer, marketing spend becomes revenue.\u201d<\/p>\n

And yet many of us are still uneasy about how digital payments firms\u2019 access to our information.<\/p>\n

Last week Claer Barrett, personal finance editor at the Financial Times<\/em>, called out fintech firm Revolut<\/a> for its London underground advertisements, in which it claimed to know how many people had bought a vegan sausage roll during January (11,867, said Revolut).<\/p>\n

Revolut\u2019s sausage roll ad<\/em><\/p>\n

\u00a0\"\"<\/em><\/p>\n

\u201cHow does Revolut know exactly what its customers have purchased?\u201d asked Barrett.<\/p>\n

\u201cContactless payments mean that tiny purchases\u2014such as a \u00a31 vegan sausage roll\u2014are made on plastic, not with old-fashioned anonymous cash. Yet even so, our banks can only see where we have spent the money and the amount\u2014not what we have spent it on. So how did Revolut get this information?\u201d<\/p>\n

Barrett asked Revolut to explain but found out that the company had invented the figure of sausage roll consumers. It didn\u2019t have the data.<\/p>\n

Banks could not see the individual items customers had purchased, Revolut\u2019s media team told her, only the merchant involved and the amount.<\/p>\n

But Rolph\u2019s firm can see such itemised purchase information, since Yoyo\u2019s customers have signed up to the promise of rewards in exchange for disclosing it.<\/p>\n

In a blog responding to Barrett\u2019s FT article<\/a>, Rolph claimed that Yoyo users had bought 14,224 sausage rolls in January, and it had the data to back it up.<\/p>\n

\u201cYoyo captures individual and fully anonymised customer basket-level data at the point-of-sale (just like Amazon does online, only we do it for both physical stores, as well as e-commerce),\u201d Rolph wrote in his blog.<\/p>\n

\u201cThis enables our retail and banking partners to analyse and segment both on and offline purchasing behaviour and deliver the most personalised rewards, offers and experiences,\u201d he said.<\/p>\n

\u201cIn case you\u2019re worried about data privacy issues, Yoyo guarantees that our banking and retail partners never see anything about you, your personal information or your financial data when you use our wallet,\u201d Rolph added.<\/p>\n

Yoyo\u2019s CEO claims that its business model offers benefits to both vendor and purchaser: the vendor gets much more granular information about consumer habits and can tailor its marketing programmes accordingly, while the retail customer gains access to loyalty or other reward schemes that would otherwise be unavailable.<\/p>\n

However, if the value accrues to both parties, for the time being it\u2019s only vendors who are paying for Yoyo\u2019s services.<\/p>\n

\u201cThe consumer is willing to pay for value, but it\u2019s harder to prove at scale, so we\u2019ve parked that for the moment,\u201d he told New Money Review<\/em>.<\/p>\n

\u201cOur merchants pay us for a mobile-first experience that seamlessly blends payment, loyalty and marketing. They also pay us for a tool called Yoyo Engage that gives them a real-time insight into their business.\u201d<\/p>\n

The attachment of data revealing consumers\u2019 behaviour data to payments appears an unstoppable trend.<\/p>\n

\u201cMany fintech services are free, making us and our spending data, the product. Could this data be monetised in other ways in the future? And what if this information is hacked?\u201d queries the FT\u2019s Barrett.<\/p>\n

\u201cYet using digital services to analyse our spending data can also be a money-saving tool,\u201d she concedes.<\/p>\n

\u201cI\u2019m still seeing ads for the things I\u2019ve already bought\u201d<\/p><\/blockquote>\n

For Yoyo\u2019s Rolph, digital wallets are an improvement on the existing models for internet marketing.<\/p>\n

\u201cI recently bought some stuff on made.com and I\u2019m still seeing ads on Google for the things I\u2019ve already bought. That\u2019s how broken the system is,\u201d he says.<\/p>\n

\u201cGoogle is making money based on the fact that I looked and the brand is now paying away margin for a sale they\u2019ve already got. We need to market better: either we should say, \u2018if they bought A, they may want B\u2019, or we should say \u2018if they\u2019ve bought A, we\u2019re going to leave them alone.\u201d<\/p>\n

\u201cYou can only do that by connecting a tokenised customer identity with the basket data. If you\u2019re a brand, why give money to all the intermediaries between you and the client? Just send me a message to my wallet.\u201d<\/p>\n

Want to receive New Money Review’s monthly content updates?\u00a0Sign up here<\/a>.<\/em><\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

If you thought payments were just about the transfer of value from A to B, you were wrong. \u201cPayments are not about the movement of money any more, they are […]<\/p>\n","protected":false},"author":3,"featured_media":4228,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1053,1026,1014],"tags":[1263,1345,1347,1346,1348,1246,1343,1329,1344],"class_list":{"0":"post-4227","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-featured-1","8":"category-latest-slider","9":"category-payment","10":"tag-amazon","11":"tag-caffe-nero","12":"tag-claer-barrett","13":"tag-digital-wallets","14":"tag-financial-times","15":"tag-google","16":"tag-payments","17":"tag-revolut","18":"tag-yoyo"},"yoast_head":"\nThe most valuable dataset in the world - New Money Review<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The most valuable dataset in the world - New Money Review\" \/>\n<meta property=\"og:description\" content=\"If you thought payments were just about the transfer of value from A to B, you were wrong. \u201cPayments are not about the movement of money any more, they are […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/\" \/>\n<meta property=\"og:site_name\" content=\"New Money Review\" \/>\n<meta property=\"article:published_time\" content=\"2019-02-13T06:37:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-03-18T08:56:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2019\/02\/personal-data.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1400\" \/>\n\t<meta property=\"og:image:height\" content=\"860\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Paul Amery\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@ameryp\" \/>\n<meta name=\"twitter:site\" content=\"@newmoneyreview\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Paul Amery\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/\"},\"author\":{\"name\":\"Paul Amery\",\"@id\":\"https:\/\/newmoneyreview.com\/#\/schema\/person\/71bdc8f94d4973d4c5bd2a8fe5a83412\"},\"headline\":\"The most valuable dataset in the world\",\"datePublished\":\"2019-02-13T06:37:55+00:00\",\"dateModified\":\"2019-03-18T08:56:23+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/\"},\"wordCount\":1067,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/newmoneyreview.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2019\/02\/personal-data.jpg\",\"keywords\":[\"Amazon\",\"Caffe Nero\",\"Claer Barrett\",\"digital wallets\",\"Financial Times\",\"Google\",\"payments\",\"Revolut\",\"Yoyo\"],\"articleSection\":[\"Featured\",\"Latest\",\"PAYMENT\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/\",\"url\":\"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/\",\"name\":\"The most valuable dataset in the world - New Money Review\",\"isPartOf\":{\"@id\":\"https:\/\/newmoneyreview.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2019\/02\/personal-data.jpg\",\"datePublished\":\"2019-02-13T06:37:55+00:00\",\"dateModified\":\"2019-03-18T08:56:23+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/#primaryimage\",\"url\":\"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2019\/02\/personal-data.jpg\",\"contentUrl\":\"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2019\/02\/personal-data.jpg\",\"width\":1400,\"height\":860},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/newmoneyreview.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The most valuable dataset in the world\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/newmoneyreview.com\/#website\",\"url\":\"https:\/\/newmoneyreview.com\/\",\"name\":\"New Money Review\",\"description\":\"A periodical covering the accelerating changes in money\",\"publisher\":{\"@id\":\"https:\/\/newmoneyreview.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/newmoneyreview.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/newmoneyreview.com\/#organization\",\"name\":\"New Money Review\",\"url\":\"https:\/\/newmoneyreview.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/newmoneyreview.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2018\/01\/cropped-nmr_close-crop.jpg\",\"contentUrl\":\"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2018\/01\/cropped-nmr_close-crop.jpg\",\"width\":1418,\"height\":158,\"caption\":\"New Money Review\"},\"image\":{\"@id\":\"https:\/\/newmoneyreview.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/x.com\/newmoneyreview\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/newmoneyreview.com\/#\/schema\/person\/71bdc8f94d4973d4c5bd2a8fe5a83412\",\"name\":\"Paul Amery\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/newmoneyreview.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/58b6269b43fc8c137f118222b601e5041bee2cc0e3291a23180bfb7d36499b18?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/58b6269b43fc8c137f118222b601e5041bee2cc0e3291a23180bfb7d36499b18?s=96&d=mm&r=g\",\"caption\":\"Paul Amery\"},\"sameAs\":[\"https:\/\/x.com\/@ameryp\"],\"url\":\"https:\/\/newmoneyreview.com\/index.php\/author\/paul-amery\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The most valuable dataset in the world - New Money Review","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/","og_locale":"en_GB","og_type":"article","og_title":"The most valuable dataset in the world - New Money Review","og_description":"If you thought payments were just about the transfer of value from A to B, you were wrong. \u201cPayments are not about the movement of money any more, they are […]","og_url":"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/","og_site_name":"New Money Review","article_published_time":"2019-02-13T06:37:55+00:00","article_modified_time":"2019-03-18T08:56:23+00:00","og_image":[{"width":1400,"height":860,"url":"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2019\/02\/personal-data.jpg","type":"image\/jpeg"}],"author":"Paul Amery","twitter_card":"summary_large_image","twitter_creator":"@ameryp","twitter_site":"@newmoneyreview","twitter_misc":{"Written by":"Paul Amery","Estimated reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/#article","isPartOf":{"@id":"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/"},"author":{"name":"Paul Amery","@id":"https:\/\/newmoneyreview.com\/#\/schema\/person\/71bdc8f94d4973d4c5bd2a8fe5a83412"},"headline":"The most valuable dataset in the world","datePublished":"2019-02-13T06:37:55+00:00","dateModified":"2019-03-18T08:56:23+00:00","mainEntityOfPage":{"@id":"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/"},"wordCount":1067,"commentCount":0,"publisher":{"@id":"https:\/\/newmoneyreview.com\/#organization"},"image":{"@id":"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/#primaryimage"},"thumbnailUrl":"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2019\/02\/personal-data.jpg","keywords":["Amazon","Caffe Nero","Claer Barrett","digital wallets","Financial Times","Google","payments","Revolut","Yoyo"],"articleSection":["Featured","Latest","PAYMENT"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/","url":"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/","name":"The most valuable dataset in the world - New Money Review","isPartOf":{"@id":"https:\/\/newmoneyreview.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/#primaryimage"},"image":{"@id":"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/#primaryimage"},"thumbnailUrl":"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2019\/02\/personal-data.jpg","datePublished":"2019-02-13T06:37:55+00:00","dateModified":"2019-03-18T08:56:23+00:00","breadcrumb":{"@id":"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/#primaryimage","url":"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2019\/02\/personal-data.jpg","contentUrl":"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2019\/02\/personal-data.jpg","width":1400,"height":860},{"@type":"BreadcrumbList","@id":"https:\/\/newmoneyreview.com\/index.php\/2019\/02\/13\/the-most-valuable-dataset-in-the-world\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/newmoneyreview.com\/"},{"@type":"ListItem","position":2,"name":"The most valuable dataset in the world"}]},{"@type":"WebSite","@id":"https:\/\/newmoneyreview.com\/#website","url":"https:\/\/newmoneyreview.com\/","name":"New Money Review","description":"A periodical covering the accelerating changes in money","publisher":{"@id":"https:\/\/newmoneyreview.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/newmoneyreview.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/newmoneyreview.com\/#organization","name":"New Money Review","url":"https:\/\/newmoneyreview.com\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/newmoneyreview.com\/#\/schema\/logo\/image\/","url":"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2018\/01\/cropped-nmr_close-crop.jpg","contentUrl":"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2018\/01\/cropped-nmr_close-crop.jpg","width":1418,"height":158,"caption":"New Money Review"},"image":{"@id":"https:\/\/newmoneyreview.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/x.com\/newmoneyreview"]},{"@type":"Person","@id":"https:\/\/newmoneyreview.com\/#\/schema\/person\/71bdc8f94d4973d4c5bd2a8fe5a83412","name":"Paul Amery","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/newmoneyreview.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/58b6269b43fc8c137f118222b601e5041bee2cc0e3291a23180bfb7d36499b18?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/58b6269b43fc8c137f118222b601e5041bee2cc0e3291a23180bfb7d36499b18?s=96&d=mm&r=g","caption":"Paul Amery"},"sameAs":["https:\/\/x.com\/@ameryp"],"url":"https:\/\/newmoneyreview.com\/index.php\/author\/paul-amery\/"}]}},"jetpack_featured_media_url":"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2019\/02\/personal-data.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/posts\/4227","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/comments?post=4227"}],"version-history":[{"count":3,"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/posts\/4227\/revisions"}],"predecessor-version":[{"id":4247,"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/posts\/4227\/revisions\/4247"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/media\/4228"}],"wp:attachment":[{"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/media?parent=4227"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/categories?post=4227"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/tags?post=4227"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}