{"id":410963,"date":"2023-03-31T14:04:58","date_gmt":"2023-03-31T18:04:58","guid":{"rendered":"https:\/\/paymentsjournal.com\/?p=410963"},"modified":"2023-04-03T10:29:38","modified_gmt":"2023-04-03T14:29:38","slug":"an-interesting-fintech-play-in-the-wake-of-svb","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/","title":{"rendered":"An Interesting Fintech Play in the Wake of SVB"},"content":{"rendered":"\n<p>Industrifonden, a Swedish venture capital fund announced a $3 million growth funding round for Open Payments, a company that connects SMEs to multiple banks through a single unified API. That connection can then be used to interface directly with the SME\u2019s accounting and ERP systems thus enabling the SMEs to avoid having to log into each bank\u2019s online payments system.<\/p>\n\n\n\n<p>\u201cOpen Payments claims to be one of the leading open banking platforms in the Nordics with a focus on B2B transactions,\u201d according to <a href=\"https:\/\/fintech.global\/2023\/03\/29\/swedish-fintech-open-payments-raises-e3m-growth-round\/\">Fintech Global<\/a>.<\/p>\n\n\n\n<p>In the wake of the SVB debacle, one of the primary complaints about balance loading\u2014ensuring that deposits are spread out to numerous banks to take advantage of the $250,000 FDIC deposit limitation per institution\u2014is the workload behind having multiple bank systems and portals to manage. While Open Payments has not put this value proposition on their marquee, it\u2019s certainly something that they should be talking about. This may not be music to the ears of U.S. banks that house massive corporate deposits, but until the FDIC threshold rises to a level more meaningful to corporates\u2014or the use of those deposits is subject to tighter scrutiny\u2014fintech plays like Open Payments have a stop gap.<\/p>\n\n\n\n<p>The current U.S. administration stepped in to make SVB depositors whole, but this is certainly not the standard. Take note that around 85% of the deposits at SVB were not insured based on FDIC guidelines. Twenty-twenty hindsight provided an impetus for looking at a new FDIC structure, SVB execs are in front of Congress for their obligatory beating and nobody has a great answer on how the maturity level of SVB\u2019s bond purchases and cash needs could have been synchronized. It\u2019s not likely that we will see a meaningful change in the FDIC approach for corporates anytime soon and SMEs, especially startups, are running lean and mean. But SMEs need to pay their employees and vendors, and they need to keep those deposits secure. Fintech may have an answer.<\/p>\n\n\n\n<p><strong>Overview by&nbsp;<a href=\"https:\/\/javelinstrategy.com\/our-team\/albert-bodine\">Albert Bodine<\/a>, Director of Commercial and Enterprise Payments at Javelin Strategy &amp; Research.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Industrifonden, a Swedish venture capital fund announced a $3 million growth funding round for Open Payments, a company that connects SMEs to multiple banks through a single unified API. That connection can then be used to interface directly with the SME\u2019s accounting and ERP systems thus enabling the SMEs to avoid having to log into [&hellip;]<\/p>\n","protected":false},"author":8402,"featured_media":367387,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","video":"","gallery":"","source_name":"","source_url":"","via_name":"","via_url":"","override_template":"0","override":[{"template":"1","single_blog_custom":"","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":"","disable_ad":"0"},"jnews_primary_category":{"id":"14585","hide":""},"jnews_social_meta":{"fb_title":"","fb_description":"","fb_image":"","twitter_title":"","twitter_description":"","twitter_image":""},"jnews_override_counter":{"override_view_counter":"0","view_counter_number":"0","override_share_counter":"0","share_counter_number":"0","override_like_counter":"0","like_counter_number":"0","override_dislike_counter":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[137,64515,14585],"tags":[211,607,146,61883,367],"class_list":["post-410963","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysts-coverage","category-emerging-payments","category-fintech","tag-api","tag-fdic","tag-fintech","tag-silicon-valley-bank","tag-sme"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.3 (Yoast SEO v23.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>An SME Fintech Play in the Wake of SVB<\/title>\n<meta name=\"description\" content=\"Industrifonden, a Swedish venture capital fund announced a $3 million growth funding round for Open Payments\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"An Interesting Fintech Play in the Wake of SVB\" \/>\n<meta property=\"og:description\" content=\"Industrifonden, a Swedish venture capital fund announced a $3 million growth funding round for Open Payments\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/\" \/>\n<meta property=\"og:site_name\" content=\"PaymentsJournal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/paymentsjournal\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-03-31T18:04:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-04-03T14:29:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/01\/35939871.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"2000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Albert Bodine\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:site\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Albert Bodine\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/\"},\"author\":{\"name\":\"Albert Bodine\",\"@id\":\"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/bb8cc8d43a08aa0a84fbf0a396d4a8ac\"},\"headline\":\"An Interesting Fintech Play in the Wake of SVB\",\"datePublished\":\"2023-03-31T18:04:58+00:00\",\"dateModified\":\"2023-04-03T14:29:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/\"},\"wordCount\":361,\"publisher\":{\"@id\":\"https:\/\/www.paymentsjournal.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/01\/35939871.jpg\",\"keywords\":[\"API\",\"FDIC\",\"Fintech\",\"Silicon Valley Bank\",\"SME\"],\"articleSection\":[\"Analysts Coverage\",\"Emerging Payments\",\"Fintech\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2023\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.paymentsjournal.com\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/\",\"url\":\"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/\",\"name\":\"An SME Fintech Play in the Wake of SVB\",\"isPartOf\":{\"@id\":\"https:\/\/www.paymentsjournal.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/01\/35939871.jpg\",\"datePublished\":\"2023-03-31T18:04:58+00:00\",\"dateModified\":\"2023-04-03T14:29:38+00:00\",\"description\":\"Industrifonden, a Swedish venture capital fund announced a $3 million growth funding round for Open Payments\",\"breadcrumb\":{\"@id\":\"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/#primaryimage\",\"url\":\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/01\/35939871.jpg\",\"contentUrl\":\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/01\/35939871.jpg\",\"width\":2000,\"height\":2000,\"caption\":\"Google Hits the Reset Button on Its Fintech Strategy\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.paymentsjournal.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"An Interesting Fintech Play in the Wake of SVB\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.paymentsjournal.com\/#website\",\"url\":\"https:\/\/www.paymentsjournal.com\/\",\"name\":\"PaymentsJournal\",\"description\":\"Focused Content, Expert Insights and Timely News\",\"publisher\":{\"@id\":\"https:\/\/www.paymentsjournal.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.paymentsjournal.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.paymentsjournal.com\/#organization\",\"name\":\"PaymentsJournal\",\"url\":\"https:\/\/www.paymentsjournal.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg\",\"contentUrl\":\"https:\/\/paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg\",\"width\":512,\"height\":512,\"caption\":\"PaymentsJournal\"},\"image\":{\"@id\":\"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/paymentsjournal\/\",\"https:\/\/x.com\/paymentsjournal\",\"https:\/\/www.linkedin.com\/company\/paymentsjournal\/\",\"https:\/\/www.youtube.com\/channel\/UC8yheGWcDLrJkPlxW-_JvRw?view_as\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/bb8cc8d43a08aa0a84fbf0a396d4a8ac\",\"name\":\"Albert Bodine\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2023\/03\/Bodine_Albert.jpg.webp\",\"contentUrl\":\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2023\/03\/Bodine_Albert.jpg.webp\",\"caption\":\"Albert Bodine\"},\"description\":\"Albert Bodine is Director of Commercial and Enterprise Payments Practice at Javelin Strategy and Research.\",\"url\":\"https:\/\/www.paymentsjournal.com\/author\/albert-bodinejavelinstrategy-com\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"An SME Fintech Play in the Wake of SVB","description":"Industrifonden, a Swedish venture capital fund announced a $3 million growth funding round for Open Payments","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:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/","og_locale":"en_US","og_type":"article","og_title":"An Interesting Fintech Play in the Wake of SVB","og_description":"Industrifonden, a Swedish venture capital fund announced a $3 million growth funding round for Open Payments","og_url":"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/","og_site_name":"PaymentsJournal","article_publisher":"https:\/\/www.facebook.com\/paymentsjournal\/","article_published_time":"2023-03-31T18:04:58+00:00","article_modified_time":"2023-04-03T14:29:38+00:00","og_image":[{"width":2000,"height":2000,"url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/01\/35939871.jpg","type":"image\/jpeg"}],"author":"Albert Bodine","twitter_card":"summary_large_image","twitter_creator":"@paymentsjournal","twitter_site":"@paymentsjournal","twitter_misc":{"Written by":"Albert Bodine","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/#article","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/"},"author":{"name":"Albert Bodine","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/bb8cc8d43a08aa0a84fbf0a396d4a8ac"},"headline":"An Interesting Fintech Play in the Wake of SVB","datePublished":"2023-03-31T18:04:58+00:00","dateModified":"2023-04-03T14:29:38+00:00","mainEntityOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/"},"wordCount":361,"publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/01\/35939871.jpg","keywords":["API","FDIC","Fintech","Silicon Valley Bank","SME"],"articleSection":["Analysts Coverage","Emerging Payments","Fintech"],"inLanguage":"en-US","copyrightYear":"2023","copyrightHolder":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/","url":"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/","name":"An SME Fintech Play in the Wake of SVB","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/#primaryimage"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/01\/35939871.jpg","datePublished":"2023-03-31T18:04:58+00:00","dateModified":"2023-04-03T14:29:38+00:00","description":"Industrifonden, a Swedish venture capital fund announced a $3 million growth funding round for Open Payments","breadcrumb":{"@id":"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/#primaryimage","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/01\/35939871.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/01\/35939871.jpg","width":2000,"height":2000,"caption":"Google Hits the Reset Button on Its Fintech Strategy"},{"@type":"BreadcrumbList","@id":"https:\/\/www.paymentsjournal.com\/an-interesting-fintech-play-in-the-wake-of-svb\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.paymentsjournal.com\/"},{"@type":"ListItem","position":2,"name":"An Interesting Fintech Play in the Wake of SVB"}]},{"@type":"WebSite","@id":"https:\/\/www.paymentsjournal.com\/#website","url":"https:\/\/www.paymentsjournal.com\/","name":"PaymentsJournal","description":"Focused Content, Expert Insights and Timely News","publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.paymentsjournal.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.paymentsjournal.com\/#organization","name":"PaymentsJournal","url":"https:\/\/www.paymentsjournal.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/","url":"https:\/\/paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","contentUrl":"https:\/\/paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","width":512,"height":512,"caption":"PaymentsJournal"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/paymentsjournal\/","https:\/\/x.com\/paymentsjournal","https:\/\/www.linkedin.com\/company\/paymentsjournal\/","https:\/\/www.youtube.com\/channel\/UC8yheGWcDLrJkPlxW-_JvRw?view_as"]},{"@type":"Person","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/bb8cc8d43a08aa0a84fbf0a396d4a8ac","name":"Albert Bodine","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/image\/","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2023\/03\/Bodine_Albert.jpg.webp","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2023\/03\/Bodine_Albert.jpg.webp","caption":"Albert Bodine"},"description":"Albert Bodine is Director of Commercial and Enterprise Payments Practice at Javelin Strategy and Research.","url":"https:\/\/www.paymentsjournal.com\/author\/albert-bodinejavelinstrategy-com\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/410963"}],"collection":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/users\/8402"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/comments?post=410963"}],"version-history":[{"count":0,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/410963\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media\/367387"}],"wp:attachment":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media?parent=410963"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/categories?post=410963"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/tags?post=410963"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}