My old boss, Bob Diamond, used to call the UK clearing banks (including Barclays, our mutual employer at the time) the \u201cBig Dumb Banks\u201d.\u00a0 He had a point.\u00a0 Back then (in the late \u201890s) they suffered from chronic \u201cfear of missing out\u201d, resulting in serial spending sprees on brokerages, investment banks and asset managers to juice the bottom line.\u00a0 Most of them didn\u2019t work. With the possible exception of HSBC, the BDBs today are shadows of their former selves as a result.<\/p>\n
Even after the multiple failures of two decades, the taste for self-mutilation continues. Today\u2019s glittering object of desire seems to be retail financial technology.\u00a0 You can see why\u2014the challenger banks are reason enough\u2014and in some respects the BDBs have no choice.\u00a0 But one thing is evident: they are still BDBs and they are still spending money on the wrong stuff.<\/p>\n
it is time to man the Luddite barricade<\/p><\/blockquote>\n
Tech has been moving faster than most people\u2019s ability to understand it for some time now.\u00a0 One is ashamed to complain, fed by the more or less unchallenged position that technology is good, that opposing it is bad and likely to make you look a bit of an idiot.\u00a0 But I have seen something recently that makes me think it is time to man the Luddite barricade.<\/p>\n
My plumber explained to me how he had had \u00a310,000 stolen from his bank account via his mobile phone.\u00a0 At first it sounded familiar: the fraudster\u2014posing as a BT engineer\u2014gained illicit access to his mobile phone after persuading him to download an app.<\/p>\n
He thought he was getting a broadband speed tester and indeed that is what it appeared to be.\u00a0 This type of fraud is known as \u201cupstreaming\u201d, according to fintech types.\u00a0 The plumber had been in touch with BT about his broadband, so the call did not seem suspicious.<\/p>\n
Having got in, with the speed test dials doing their normal thing, the criminal was searching the phone for his bank account. Suddenly it came up on the screen in front of the alarmed eyes of my plumber.\u00a0 By now he was trying in vain to turn off the phone.<\/p>\n
If the fraud was bad, the bank\u2019s response was worse<\/p><\/blockquote>\n
The twist in this tale that shook me was how the fraudster used the plumber\u2019s mobile phone camera to take his picture and activate a new payee (the fraudster) using \u201cbiometric\u201d approval.\u00a0 Bye-bye \u00a310K. The boasts about biometric approval technology on bank websites don\u2019t mention this as a possibility.<\/p>\n
If the fraud was bad, the bank\u2019s response was worse.<\/p>\n
It took a full week to contact my plumber after he had notified it of the fraud.\u00a0 The manager of the branch that he visited told him wearily that he didn\u2019t have time to look at it and that all of his working day was now taken up with fraud cases.\u00a0 Once they heard he had downloaded an app, they virtually dismissed him. Note that over 100 billion apps were downloaded from the Google Play store last year and this one had appeared on the menu like any other.<\/p>\n
Having asked for restitution from his bank, they managed to refund three of his ten thousand missing pounds \u2013 (that\u2019s three pounds, not three thousand).\u00a0 Their letter was blunt: \u201cWe confirm that we have now taken all of the steps we are able to take to attempt to recover your fraud loss. This is therefore our final correspondence on this matter.\u201d<\/p>\n
Naturally, my plumber wrote to the bank asking them to reinstate the rest of his missing money. It took them just over eight weeks to say no.\u00a0 He then went to the financial ombudsman, who said that the case would take up to four months to be heard.\u00a0 Two weeks later, the ombudsman investigator reported that the bank, \u201cas a gesture of goodwill\u201d, had agreed to reinstate his missing \u00a39997.00.<\/p>\n
fraud hazard seems to be a residual concern<\/p><\/blockquote>\n
Consumers, regulators and bankers alike need to consider this seriously.\u00a0 For the consumer, if banking on a mobile phone is so easy for a fraudster to access, why take the risk?\u00a0 For the regulator, how can a bank see-saw between \u201cno\u201d and \u201cyes\u201d in the space of three weeks when presented with such a case? \u00a0It almost seems like they are making it up as they go along, which\u2014of course\u2014they probably are.<\/p>\n
As for bankers, it looks like risk management disciplines might be applied a little more firmly to so-called fintech.\u00a0 With fintech fast-tracked by marketeers and accountants for its bottom-line benefits, fraud hazard seems to be a residual concern\u2014a price for the banks to pay for progress, but only if forced to.\u00a0 (My plumber would not have argued his case had I not urged him to do so.)<\/p>\n
The steadily rising incidence of on-line fraud is well-evidenced on the Financial Ombudsman\u2019s website.\u00a0 Banks are hopefully learning from the frauds committed against their customers, although in the case of my plumber their interest was low enough to suggest that it was commonplace. \u00a0This suggests a stubborn resistance on the part of the BDBs to acknowledge fintech\u2019s failings.<\/p>\n
In time, no doubt they will be addressed.\u00a0 For now, though, maybe ditch that facial recognition software on your phone.<\/p>\n
Peter Krijgsman is a former Editor-in-Chief of International Financing Review, and former Global Communications Director for Barclays Capital.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"
My old boss, Bob Diamond, used to call the UK clearing banks (including Barclays, our mutual employer at the time) the \u201cBig Dumb Banks\u201d.\u00a0 He had a point.\u00a0 Back then […]<\/p>\n","protected":false},"author":10,"featured_media":5881,"comment_status":"closed","ping_status":"closed","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":[1053,1026,1014,1011],"tags":[1922,2243,2252],"class_list":{"0":"post-7470","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":"category-value","11":"tag-fraud","12":"tag-mobile","13":"tag-peter-krijgsman"},"yoast_head":"\n
Banks aren\u2019t facing up to tech fraud - New Money Review<\/title>\n<meta name=\"description\" content=\"A sobering new digital payment scam suggests it's time to ditch the facial recognition software on your phone\" \/>\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\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banks aren\u2019t facing up to tech fraud - New Money Review\" \/>\n<meta property=\"og:description\" content=\"A sobering new digital payment scam suggests it's time to ditch the facial recognition software on your phone\" \/>\n<meta property=\"og:url\" content=\"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/\" \/>\n<meta property=\"og:site_name\" content=\"New Money Review\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-15T10:08:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-05T21:50:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2020\/11\/hacker.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1400\" \/>\n\t<meta property=\"og:image:height\" content=\"933\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Peter Krijgsman\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@newmoneyreview\" \/>\n<meta name=\"twitter:site\" content=\"@newmoneyreview\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Peter Krijgsman\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/\"},\"author\":{\"name\":\"Peter Krijgsman\",\"@id\":\"https:\/\/newmoneyreview.com\/#\/schema\/person\/0355217af9f47ff30ecb304ef28eb035\"},\"headline\":\"Banks aren\u2019t facing up to tech fraud\",\"datePublished\":\"2024-03-15T10:08:11+00:00\",\"dateModified\":\"2024-06-05T21:50:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/\"},\"wordCount\":912,\"publisher\":{\"@id\":\"https:\/\/newmoneyreview.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2020\/11\/hacker.jpg\",\"keywords\":[\"Fraud\",\"mobile\",\"Peter Krijgsman\"],\"articleSection\":[\"Featured\",\"Latest\",\"PAYMENT\",\"VALUE\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/\",\"url\":\"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/\",\"name\":\"Banks aren\u2019t facing up to tech fraud - New Money Review\",\"isPartOf\":{\"@id\":\"https:\/\/newmoneyreview.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2020\/11\/hacker.jpg\",\"datePublished\":\"2024-03-15T10:08:11+00:00\",\"dateModified\":\"2024-06-05T21:50:09+00:00\",\"description\":\"A sobering new digital payment scam suggests it's time to ditch the facial recognition software on your phone\",\"breadcrumb\":{\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/#primaryimage\",\"url\":\"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2020\/11\/hacker.jpg\",\"contentUrl\":\"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2020\/11\/hacker.jpg\",\"width\":1400,\"height\":933},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/newmoneyreview.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Banks aren\u2019t facing up to tech fraud\"}]},{\"@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\/0355217af9f47ff30ecb304ef28eb035\",\"name\":\"Peter Krijgsman\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/newmoneyreview.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/bc132e44689a54f77d733fba577d6ec51905a4ae1944faca33335c7fc3826766?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/bc132e44689a54f77d733fba577d6ec51905a4ae1944faca33335c7fc3826766?s=96&d=mm&r=g\",\"caption\":\"Peter Krijgsman\"},\"url\":\"https:\/\/newmoneyreview.com\/index.php\/author\/peter-krijgsman\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Banks aren\u2019t facing up to tech fraud - New Money Review","description":"A sobering new digital payment scam suggests it's time to ditch the facial recognition software on your phone","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\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/","og_locale":"en_GB","og_type":"article","og_title":"Banks aren\u2019t facing up to tech fraud - New Money Review","og_description":"A sobering new digital payment scam suggests it's time to ditch the facial recognition software on your phone","og_url":"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/","og_site_name":"New Money Review","article_published_time":"2024-03-15T10:08:11+00:00","article_modified_time":"2024-06-05T21:50:09+00:00","og_image":[{"width":1400,"height":933,"url":"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2020\/11\/hacker.jpg","type":"image\/jpeg"}],"author":"Peter Krijgsman","twitter_card":"summary_large_image","twitter_creator":"@newmoneyreview","twitter_site":"@newmoneyreview","twitter_misc":{"Written by":"Peter Krijgsman","Estimated reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/#article","isPartOf":{"@id":"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/"},"author":{"name":"Peter Krijgsman","@id":"https:\/\/newmoneyreview.com\/#\/schema\/person\/0355217af9f47ff30ecb304ef28eb035"},"headline":"Banks aren\u2019t facing up to tech fraud","datePublished":"2024-03-15T10:08:11+00:00","dateModified":"2024-06-05T21:50:09+00:00","mainEntityOfPage":{"@id":"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/"},"wordCount":912,"publisher":{"@id":"https:\/\/newmoneyreview.com\/#organization"},"image":{"@id":"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/#primaryimage"},"thumbnailUrl":"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2020\/11\/hacker.jpg","keywords":["Fraud","mobile","Peter Krijgsman"],"articleSection":["Featured","Latest","PAYMENT","VALUE"],"inLanguage":"en-GB"},{"@type":"WebPage","@id":"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/","url":"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/","name":"Banks aren\u2019t facing up to tech fraud - New Money Review","isPartOf":{"@id":"https:\/\/newmoneyreview.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/#primaryimage"},"image":{"@id":"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/#primaryimage"},"thumbnailUrl":"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2020\/11\/hacker.jpg","datePublished":"2024-03-15T10:08:11+00:00","dateModified":"2024-06-05T21:50:09+00:00","description":"A sobering new digital payment scam suggests it's time to ditch the facial recognition software on your phone","breadcrumb":{"@id":"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/#primaryimage","url":"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2020\/11\/hacker.jpg","contentUrl":"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2020\/11\/hacker.jpg","width":1400,"height":933},{"@type":"BreadcrumbList","@id":"https:\/\/newmoneyreview.com\/index.php\/2024\/03\/15\/banks-arent-facing-up-to-tech-fraud\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/newmoneyreview.com\/"},{"@type":"ListItem","position":2,"name":"Banks aren\u2019t facing up to tech fraud"}]},{"@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\/0355217af9f47ff30ecb304ef28eb035","name":"Peter Krijgsman","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/newmoneyreview.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/bc132e44689a54f77d733fba577d6ec51905a4ae1944faca33335c7fc3826766?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/bc132e44689a54f77d733fba577d6ec51905a4ae1944faca33335c7fc3826766?s=96&d=mm&r=g","caption":"Peter Krijgsman"},"url":"https:\/\/newmoneyreview.com\/index.php\/author\/peter-krijgsman\/"}]}},"jetpack_featured_media_url":"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2020\/11\/hacker.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/posts\/7470","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\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/comments?post=7470"}],"version-history":[{"count":2,"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/posts\/7470\/revisions"}],"predecessor-version":[{"id":7472,"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/posts\/7470\/revisions\/7472"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/media\/5881"}],"wp:attachment":[{"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/media?parent=7470"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/categories?post=7470"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newmoneyreview.com\/index.php\/wp-json\/wp\/v2\/tags?post=7470"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}