{"id":1676,"date":"2019-09-04T02:57:00","date_gmt":"2019-09-04T02:57:00","guid":{"rendered":"https:\/\/expleo.com\/global\/en\/?post_type=insight&p=1676"},"modified":"2023-06-15T13:46:06","modified_gmt":"2023-06-15T13:46:06","slug":"fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls","status":"publish","type":"insights","link":"https:\/\/expleo.com\/global\/en\/insights\/blog\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\/","title":{"rendered":"FinTechs working with banks: A guide to overcoming the pitfalls"},"content":{"rendered":"\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"The\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Kate Cordell, Client Director, Expleo<\/em><\/strong><\/p>

Following the UK Department for International Trade\u2019s\u00a0UK FinTech State of the Nation Report<\/a>\u00a0in May this year, Kate Cordell from Expleo offers advice to FinTechs on best practice when working with traditional banks.<\/em><\/p>

Banks and FinTechs are increasingly in need of each other. For incumbent banks, the adoption of new technology is business critical in the face of changing customer expectations and increased competition from more agile challengers. For start-ups, limited audiences and market consolidation is making partnership more attractive than going alone. But integration is rarely straightforward, especially when it brings two such different cultures together.<\/p>

The FinTech industry has matured in recent years, creating new business dynamics that call for a more peaceful approach. Meanwhile, banks are building their own technology to get ahead of competition and fast-track innovation, with 56% of traditional financial institutions having put disruption at the heart of their strategy, according to the UK Department for International Trade\u2019s\u00a0UK FinTech State of the Nation Report<\/a><\/em>\u00a0which came out in May 2019.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Nonetheless, banks still face limitations that FinTechs can solve. FinTechs can help banks engage younger audiences as well as deal with the challenges presented by re-architecting both the technology stack and their operating models. FinTechs that help banks to navigate regulation and monetise their customer data may enjoy considerable success themselves.<\/p>

For FinTechs, the security of partnering with an incumbent has become more attractive, given the growing number of start-ups and the shrinking number of opportunities. FinTechs are also finding their ambitions curbed by the dominance of the big high street banks. By joining forces with the banks, FinTechs are better positioned to access the global mass market.<\/p>

Are we therefore moving into the era of\u00a0co-disruption?<\/em><\/p>

82% of incumbent banks<\/a>\u00a0expect to increase FinTech partnerships in the next three to five years.\u00a0Lloyds\u2019\u00a0decision to partner with Thought Machine (TM) , to accelerate and ease the pain of digital transformation, is an interesting indication of where the market is headed. Lloyds will migrate 500,000 customers onto Vault, TM\u2019s cloud-native core banking technology.<\/p>

ClearBank, the UK\u2019s first new clearing bank in more than 250 years , aims to compete on price, because its cloud-based tech platforms are unencumbered by labyrinthine legacy systems. FinTechs that can offer the golden combination of lower cost and reduced friction to banks will find a willing partner.<\/p>

However, the practicalities of working together are less clear cut. Given that many FinTechs were conceived as an alternative to traditional banks, how can these potential competitors come together?<\/p>

Expleo has identified five major hurdles that need to be crossed before FinTechs can reach the finishing line:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

Challenge #1: How to improve your ecosystem<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

With competition increasing, it can help to meet the right person on their terms by getting involved in accelerators and innovation labs. Collaboration with an organization that already works closely with banks can help secure privileged access to potential partners and give an insight on their pressing issues.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

Challenge #2: How to progress within the bank\u2019s culture<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Slowed down by legacy systems and bureaucracy, banks can lack the internal processes to fast track the embedding of new solutions. In the eyes of the FinTech, they are following a more convoluted route than necessary, but this is due to the complexities of scale. This is frustrating, but also largely unavoidable \u2013 FinTechs should prepare to reset their watch.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

Challenge #3: How to tackle regulation, compliance and cybersecurity<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

The bank\u2019s need for control can feel bureaucratic, but those restrictions are there to deliver a high quality, stable product. FinTechs that underestimate the enormity of milestones or the need to demonstrate the right depth of due diligence, run the risk of losing the confidence of both the regulator and the market. FinTechs must provide robust evidence that their tech is fit for purpose, differentiated and will address the customer need.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

Challenge #4: How to manage change with structure and agility<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\tCapability modelling, target operating models and process mapping can be low on a FinTech\u2019s to-do list, but they provide valuable infrastructure for smoother progress. For example, a lack of governance of the ecosystem and processes can lead to poor visibility on the project. The right management consultants will be able to help both sides to prepare for the business change impacts from merging two very different cultures.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Challenge #5: How to prepare for scaling up<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

The pressure to expand a successful pilot and demonstrate proof of value as soon as possible can lead to rapid growth that causes your architecture to creak at the seams. Having a focus on quality in design stages will provide confidence to the bank that your technology will be successful at scale. Quality in design means paying careful attention to how the solution will be tested and proven \u2013 if this is overlooked it can be difficult for the implementation teams to evidence the quality of the solution before it goes into production.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

Learn from experience, not your own mistakes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Disciplines such as stakeholder management, compliance, quality management and change management are critical to a successful partnership with a bank. For FinTechs without expertise in these areas the right third-party support can save considerable time and effort.<\/p>

Entrepreneurs are naturally inclined to take on everything themselves. When things go wrong, they can end up calling for a \u2018white knight\u2019 to ride to their rescue and get the deal back on track.<\/p>

Therefore, it may prove more cost effective to engage a \u2018black knight\u2019 that can help you navigate the most common pain points in a proactive way. Why learn from your own mistakes, when you can benefit from another\u2019s experience?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tDownload the full report<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Kate Cordell from Expleo offers advice to FinTechs on best practice when working with traditional banks as we move into an era of co-disruption.<\/p>\n","protected":false},"author":78,"featured_media":1681,"parent":0,"template":"","meta":{"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","footnotes":""},"topic":[145,151],"insights-single-templates":[316],"industry-taxonomy":[38],"content-type":[23],"country":[130],"service":[216,54,59,84,209,208,55,77,67,83],"class_list":["post-1676","insights","type-insights","status-publish","has-post-thumbnail","hentry","topic-digital-transformation","topic-quality-assurance-and-software-development","insights-single-templates-old-template","industry-taxonomy-banking-and-financial-services","content-type-blog","country-united-kingdom","service-digital-transformation","service-software-quality-assurance","service-application-transformation-assurance","service-quality-management-systems","service-product-process-engineering","service-quality-testing","service-regulatory-compliance-management-for-manufacturing","service-cybersecurity","service-strategic-consultancy-cx","service-transformation-consultancy"],"yoast_head":"\nExpleo | Overcoming Pitfalls in FinTech-Bank Collaboration<\/title>\n<meta name=\"description\" content=\"Kate Cordell offers advice to FinTechs on best practice when working with traditional banks as we move into an era of co-disruption.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/expleo.com\/global\/en\/insights\/blog\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FinTechs working with banks: A guide to overcoming the pitfalls\" \/>\n<meta property=\"og:description\" content=\"Kate Cordell offers advice to FinTechs on best practice when working with traditional banks as we move into an era of co-disruption.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/expleo.com\/global\/en\/insights\/blog\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\/\" \/>\n<meta property=\"og:site_name\" content=\"Global EN\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-15T13:46:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/expleo.com\/global\/en\/wp-content\/uploads\/2021\/10\/blog-imagery-for-website-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/insights\\\/blog\\\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\\\/\",\"url\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/insights\\\/blog\\\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\\\/\",\"name\":\"Expleo | Overcoming Pitfalls in FinTech-Bank Collaboration\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/insights\\\/blog\\\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/insights\\\/blog\\\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/wp-content\\\/uploads\\\/2021\\\/10\\\/blog-imagery-for-website-1.png\",\"datePublished\":\"2019-09-04T02:57:00+00:00\",\"dateModified\":\"2023-06-15T13:46:06+00:00\",\"description\":\"Kate Cordell offers advice to FinTechs on best practice when working with traditional banks as we move into an era of co-disruption.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/insights\\\/blog\\\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/insights\\\/blog\\\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/insights\\\/blog\\\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\\\/#primaryimage\",\"url\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/wp-content\\\/uploads\\\/2021\\\/10\\\/blog-imagery-for-website-1.png\",\"contentUrl\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/wp-content\\\/uploads\\\/2021\\\/10\\\/blog-imagery-for-website-1.png\",\"width\":1280,\"height\":720,\"caption\":\"The facade of a modern skyscraper\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/insights\\\/blog\\\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insights\",\"item\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/insights\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"FinTechs working with banks: A guide to overcoming the pitfalls\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/\",\"name\":\"Expleo | EN\",\"description\":\"Expleo\",\"publisher\":{\"@id\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/#organization\",\"name\":\"Expleo | EN\",\"url\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/wp-content\\\/uploads\\\/2019\\\/02\\\/expleo-logo-and-tagline.png\",\"contentUrl\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/wp-content\\\/uploads\\\/2019\\\/02\\\/expleo-logo-and-tagline.png\",\"width\":1600,\"height\":774,\"caption\":\"Expleo | EN\"},\"image\":{\"@id\":\"https:\\\/\\\/expleo.com\\\/global\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Expleo | Overcoming Pitfalls in FinTech-Bank Collaboration","description":"Kate Cordell offers advice to FinTechs on best practice when working with traditional banks as we move into an era of co-disruption.","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:\/\/expleo.com\/global\/en\/insights\/blog\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\/","og_locale":"en_GB","og_type":"article","og_title":"FinTechs working with banks: A guide to overcoming the pitfalls","og_description":"Kate Cordell offers advice to FinTechs on best practice when working with traditional banks as we move into an era of co-disruption.","og_url":"https:\/\/expleo.com\/global\/en\/insights\/blog\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\/","og_site_name":"Global EN","article_modified_time":"2023-06-15T13:46:06+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/expleo.com\/global\/en\/wp-content\/uploads\/2021\/10\/blog-imagery-for-website-1.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Estimated reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/expleo.com\/global\/en\/insights\/blog\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\/","url":"https:\/\/expleo.com\/global\/en\/insights\/blog\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\/","name":"Expleo | Overcoming Pitfalls in FinTech-Bank Collaboration","isPartOf":{"@id":"https:\/\/expleo.com\/global\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/expleo.com\/global\/en\/insights\/blog\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\/#primaryimage"},"image":{"@id":"https:\/\/expleo.com\/global\/en\/insights\/blog\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\/#primaryimage"},"thumbnailUrl":"https:\/\/expleo.com\/global\/en\/wp-content\/uploads\/2021\/10\/blog-imagery-for-website-1.png","datePublished":"2019-09-04T02:57:00+00:00","dateModified":"2023-06-15T13:46:06+00:00","description":"Kate Cordell offers advice to FinTechs on best practice when working with traditional banks as we move into an era of co-disruption.","breadcrumb":{"@id":"https:\/\/expleo.com\/global\/en\/insights\/blog\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/expleo.com\/global\/en\/insights\/blog\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/expleo.com\/global\/en\/insights\/blog\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\/#primaryimage","url":"https:\/\/expleo.com\/global\/en\/wp-content\/uploads\/2021\/10\/blog-imagery-for-website-1.png","contentUrl":"https:\/\/expleo.com\/global\/en\/wp-content\/uploads\/2021\/10\/blog-imagery-for-website-1.png","width":1280,"height":720,"caption":"The facade of a modern skyscraper"},{"@type":"BreadcrumbList","@id":"https:\/\/expleo.com\/global\/en\/insights\/blog\/fintechs-working-with-banks-a-guide-to-overcoming-the-pitfalls\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/expleo.com\/global\/en\/"},{"@type":"ListItem","position":2,"name":"Insights","item":"https:\/\/expleo.com\/global\/en\/insights\/"},{"@type":"ListItem","position":3,"name":"FinTechs working with banks: A guide to overcoming the pitfalls"}]},{"@type":"WebSite","@id":"https:\/\/expleo.com\/global\/en\/#website","url":"https:\/\/expleo.com\/global\/en\/","name":"Expleo | EN","description":"Expleo","publisher":{"@id":"https:\/\/expleo.com\/global\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/expleo.com\/global\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/expleo.com\/global\/en\/#organization","name":"Expleo | EN","url":"https:\/\/expleo.com\/global\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/expleo.com\/global\/en\/#\/schema\/logo\/image\/","url":"https:\/\/expleo.com\/global\/en\/wp-content\/uploads\/2019\/02\/expleo-logo-and-tagline.png","contentUrl":"https:\/\/expleo.com\/global\/en\/wp-content\/uploads\/2019\/02\/expleo-logo-and-tagline.png","width":1600,"height":774,"caption":"Expleo | EN"},"image":{"@id":"https:\/\/expleo.com\/global\/en\/#\/schema\/logo\/image\/"}}]}},"hreflang":{"rendered":"","structure":[]},"_links":{"self":[{"href":"https:\/\/expleo.com\/global\/en\/wp-json\/wp\/v2\/insights\/1676","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/expleo.com\/global\/en\/wp-json\/wp\/v2\/insights"}],"about":[{"href":"https:\/\/expleo.com\/global\/en\/wp-json\/wp\/v2\/types\/insights"}],"author":[{"embeddable":true,"href":"https:\/\/expleo.com\/global\/en\/wp-json\/wp\/v2\/users\/78"}],"version-history":[{"count":0,"href":"https:\/\/expleo.com\/global\/en\/wp-json\/wp\/v2\/insights\/1676\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/expleo.com\/global\/en\/wp-json\/wp\/v2\/media\/1681"}],"wp:attachment":[{"href":"https:\/\/expleo.com\/global\/en\/wp-json\/wp\/v2\/media?parent=1676"}],"wp:term":[{"taxonomy":"topic","embeddable":true,"href":"https:\/\/expleo.com\/global\/en\/wp-json\/wp\/v2\/topic?post=1676"},{"taxonomy":"insights-single-templates","embeddable":true,"href":"https:\/\/expleo.com\/global\/en\/wp-json\/wp\/v2\/insights-single-templates?post=1676"},{"taxonomy":"industry-taxonomy","embeddable":true,"href":"https:\/\/expleo.com\/global\/en\/wp-json\/wp\/v2\/industry-taxonomy?post=1676"},{"taxonomy":"content-type","embeddable":true,"href":"https:\/\/expleo.com\/global\/en\/wp-json\/wp\/v2\/content-type?post=1676"},{"taxonomy":"country","embeddable":true,"href":"https:\/\/expleo.com\/global\/en\/wp-json\/wp\/v2\/country?post=1676"},{"taxonomy":"service","embeddable":true,"href":"https:\/\/expleo.com\/global\/en\/wp-json\/wp\/v2\/service?post=1676"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}