{"id":19256,"date":"2019-12-04T11:54:48","date_gmt":"2019-12-04T11:54:48","guid":{"rendered":"https:\/\/research.reading.ac.uk\/research-blog\/?p=19256"},"modified":"2019-12-10T16:55:09","modified_gmt":"2019-12-10T16:55:09","slug":"rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share","status":"publish","type":"post","link":"https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/","title":{"rendered":"RBS\u2019s B\u00f3: the fightback against Monzo and Revolut is about much more than market share"},"content":{"rendered":"

Could the advent of digital-only banks mean the end of the high street banking? Professor Brian Scott-Quinn from Henley Business School writes for The Conversation.<\/a><\/strong><\/p>\n

\"\"<\/p>\n

Banks always seem to be doing something to upset us. Lately, for instance, they have been getting pilloried for shutting branches<\/a>and taking away<\/a> cashpoints. But in reality, banking is just going the way of CDs, high street travel agents, or standing by the roadside in the rain trying to hail a cab. The world has changed. The upcoming generations don\u2019t see the same need to visit a physical branch, let alone use paper money.<\/p>\n

To satisfy this demand, a rash of digital-only banks has sprung up in the UK in the past five years, such as Monzo<\/a> and Revolut<\/a>. They have no branches; operate via apps with 24-7 live support; and offer services such as real-time spending notifications, free payments abroad and virtual debit cards that can be used immediately through Apple Pay or Google Pay.<\/p>\n

It is often incredibly easy to become a customer, signing up for an account online without even talking to anyone. In a short space of time, this has begun to threaten the incumbents. Market leader<\/a> Monzo, for instance, has signed up<\/a> more than 3m UK customers since launching in 2015 \u2013 albeit such operators are still making losses<\/a> which seem to be ever growing.<\/p>\n

At any rate, now comes the fight back: RBS has just become the first major UK bank to launch a competitor into this space in the form of B\u00f3, complete with a money-managing app and snazzy yellow debit cards. Other incumbents such as HSBC<\/a> and Santander<\/a> have digital designs of their own. So how well placed are these banks to defend their patch?<\/p>\n

The starting gun<\/strong><\/p>\n

Banking took longer than most industries to take advantage of the fourth industrial revolution<\/a>, mainly because of regulation. Until a decade ago, regulators would not authorise new banks unless they were completely sure they would be \u201csafe\u201d. They would not permit bank software to use cloud services or to be bought in rather than made in-house, both of which massively reduce the cost of opening a new bank.<\/p>\n

This changed<\/a> when the Financial Conduct Authority (FCA) took over as regulator in 2013. The government was keen to<\/a> shake up banking in the wake of the financial crisis of 2008-09, and explicitly required<\/a> the FCA to not only protect consumers but to encourage competition, too.<\/p>\n

This put the UK at the forefront of the new digital banking industry. A similar trend is taking place<\/a> elsewhere, such as the US<\/a>, Germany<\/a> and Hong Kong<\/a>, where even traditional players like Bank of China have acquired a \u201cvirtual\u201d licence, and will learn from operating a digital-only bank whether to import the idea to the mainland.<\/p>\n

The challenge for so-called legacy banks everywhere is that altering the course of a tanker is difficult. The very name \u201clegacy\u201d comes from the fact that their IT, though it works well in many regards, is outdated. Their systems are underpinned by IBM-type \u201cbig iron\u201d mainframes<\/a> that run on COBOL, an old programming language that is difficult to integrate with the innovations that customers now want and expect from digital banking. It costs a high proportion of bank IT budgets just to keep the old computer code working \u2013 yet it is too difficult to replace old systems while keeping a bank functioning.<\/p>\n

This problem of traditional banks stuck in the past goes further than tech. They also often have issues with organisational structure. The old way of running a bank was \u2013 and still is \u2013 to have silos for IT, operations, marketing, business\/products and of course HR. When a new product or feature is required, the business side will usually \u201cthrow the specifications over the wall into the cage\u201d of the IT side and let them get on with it. Six months later or whenever, the IT side will come back with the product.<\/p>\n

The new banks operate quite differently. They focus<\/a> on so-called \u201cagile\u201d principles<\/a>, which develop products\/updates using \u201csquads\u201d or \u201cscrums\u201d<\/a> of people from relevant departments who are jointly responsible for the project. It\u2019s a less hierarchical approach that may involve producing a quick prototype in \u201csprints\u201d of as little as two weeks. It will then be beta-tested by customers to garner feedback, and then refined \u2013 similar to when Microsoft, for example, issues new software<\/a> to select customers.<\/p>\n

Any company can adopt this cultural approach, though of course legacy IT makes it much harder for traditional banks. Having said that, the best example is arguably from that side of the fence: DBS Bank of Singapore, which is active across Asia, was crowned<\/a> Euromoney Bank of the Year 2019 for \u201cembedding digital innovation into everything it does\u201d.<\/p>\n

B\u00f3 arrives<\/strong><\/p>\n

In contrast to DBS Bank, RBS and other traditional UK banks appear to be backing two horses \u2013 the old and the new. RBS\/NatWest is both modernising the traditional operation with things like banking apps and virtual cards, while also setting up B\u00f3 for retail customers \u2013 as well as another brand called Mettle for businesses. Both will compete with the existing retail bank, though RBS\/NatWest may incentivise its customers to transfer across.<\/p>\n

B\u00f3 is certainly more likely to appeal to millennials<\/a> and Gen Z<\/a>than to older generations, and thus may be a good gateway to ensuring that the RBS Group keeps attracting young customers. Unlike rivals like Starling and Monzo, however, it does not yet<\/a>have all the features of a full-service bank. So, for instance, while the app gives you instant-spending notifications and lets you create spending budgets, there is no offer of interest on savings and no overdraft facility. There is also no Google\/Apple Pay feature.<\/p>\n

Some people in the industry have accused<\/a> RBS of doing too little too late for this venture to be successful, predicting it will lose interest after a year or two. This ignores RBS\u2019s major incentive here: if B\u00f3 and Mettle succeed, it will make it easier for RBS to close branches in future, and to move away from the ancient IT architecture that makes it so difficult for legacy banks to progress.<\/p>\n

RBS\/NatWest could then have the pre-conditions for future financial success – top-class IT, greatly reduced costs and a large enough customer base to make B\u00f3 profitable – a great combination that the independent start-ups yet lack. For some challengers, their best hope must still be that an incumbent bank launches a bid for them at some point in the future.<\/p>\n

This post first appeared on\u00a0The\u00a0Conversation , 3 December 2019<\/a>. Professor Brian Scott-Quinn is the founder and chairman of the ICMA Centre for financial markets at Henley Business School, University of Reading. He\u00a0formerly worked in the City of London in the international bank credit and capital markets.\u00a0<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"

Could the advent of digital-only banks mean the end of the high street banking? Professor Brian Scott-Quinn from Henley Business School writes for The Conversation.<\/p>\n","protected":false},"author":127,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"__cvm_playback_settings":[],"__cvm_video_id":"","footnotes":""},"categories":[25],"tags":[1505,459,870],"class_list":["post-19256","post","type-post","status-publish","format-standard","hentry","category-prosperity-resilience","tag-digital-banks","tag-icma-centre","tag-the-conversation"],"acf":[],"yoast_head":"\nRBS\u2019s B\u00f3: the fightback against Monzo and Revolut is about much more than market share - Connecting Research<\/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:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBS\u2019s B\u00f3: the fightback against Monzo and Revolut is about much more than market share - Connecting Research\" \/>\n<meta property=\"og:description\" content=\"Could the advent of digital-only banks mean the end of the high street banking? Professor Brian Scott-Quinn from Henley Business School writes for The Conversation.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/\" \/>\n<meta property=\"og:site_name\" content=\"Connecting Research\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/theuniversityofreading\/\" \/>\n<meta property=\"article:published_time\" content=\"2019-12-04T11:54:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-12-10T16:55:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/research.reading.ac.uk\/research-blog\/wp-content\/uploads\/sites\/72\/Unorganized\/bank-note-209104_640.jpg\" \/>\n<meta name=\"author\" content=\"Sarah Harrop\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@UniRdg_Research\" \/>\n<meta name=\"twitter:site\" content=\"@UniRdg_Research\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sarah Harrop\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/\"},\"author\":{\"name\":\"Sarah Harrop\",\"@id\":\"https:\/\/research.reading.ac.uk\/research-blog\/#\/schema\/person\/99810845f887cb4c7aa3256ff496fd23\"},\"headline\":\"RBS\u2019s B\u00f3: the fightback against Monzo and Revolut is about much more than market share\",\"datePublished\":\"2019-12-04T11:54:48+00:00\",\"dateModified\":\"2019-12-10T16:55:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/\"},\"wordCount\":1146,\"publisher\":{\"@id\":\"https:\/\/research.reading.ac.uk\/research-blog\/#organization\"},\"keywords\":[\"Digital banks\",\"ICMA centre\",\"The Conversation\"],\"articleSection\":[\"Prosperity & Resilience\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/\",\"url\":\"https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/\",\"name\":\"RBS\u2019s B\u00f3: the fightback against Monzo and Revolut is about much more than market share - Connecting Research\",\"isPartOf\":{\"@id\":\"https:\/\/research.reading.ac.uk\/research-blog\/#website\"},\"datePublished\":\"2019-12-04T11:54:48+00:00\",\"dateModified\":\"2019-12-10T16:55:09+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/research.reading.ac.uk\/research-blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"RBS\u2019s B\u00f3: the fightback against Monzo and Revolut is about much more than market share\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/research.reading.ac.uk\/research-blog\/#website\",\"url\":\"https:\/\/research.reading.ac.uk\/research-blog\/\",\"name\":\"Connecting Research\",\"description\":\"Research stories from across the University of Reading\",\"publisher\":{\"@id\":\"https:\/\/research.reading.ac.uk\/research-blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/research.reading.ac.uk\/research-blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/research.reading.ac.uk\/research-blog\/#organization\",\"name\":\"University of Reading\",\"alternateName\":\"UoR\",\"url\":\"https:\/\/research.reading.ac.uk\/research-blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/research.reading.ac.uk\/research-blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/research.reading.ac.uk\/research-blog\/wp-content\/uploads\/sites\/72\/2022\/10\/University-of-Reading-Logo-1.png\",\"contentUrl\":\"https:\/\/research.reading.ac.uk\/research-blog\/wp-content\/uploads\/sites\/72\/2022\/10\/University-of-Reading-Logo-1.png\",\"width\":440,\"height\":147,\"caption\":\"University of Reading\"},\"image\":{\"@id\":\"https:\/\/research.reading.ac.uk\/research-blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/theuniversityofreading\/\",\"https:\/\/twitter.com\/UniRdg_Research\",\"https:\/\/www.linkedin.com\/school\/university-of-reading\/mycompany\/verification\/\",\"https:\/\/www.youtube.com\/channel\/UCsFUmxmcVbVJ-9iGczsKfuw\",\"https:\/\/en.wikipedia.org\/wiki\/University_of_Reading\",\"https:\/\/www.instagram.com\/uniofreading\/?hl=en\",\"https:\/\/www.tiktok.com\/@uniofreading\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/research.reading.ac.uk\/research-blog\/#\/schema\/person\/99810845f887cb4c7aa3256ff496fd23\",\"name\":\"Sarah Harrop\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/research.reading.ac.uk\/research-blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b2262cee93695b78984ce6e297fcef9cc3d0555c9b1ececfd1bbfa7cad4cac8b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b2262cee93695b78984ce6e297fcef9cc3d0555c9b1ececfd1bbfa7cad4cac8b?s=96&d=mm&r=g\",\"caption\":\"Sarah Harrop\"},\"url\":\"https:\/\/research.reading.ac.uk\/research-blog\/author\/s-harropreading-ac-uk\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"RBS\u2019s B\u00f3: the fightback against Monzo and Revolut is about much more than market share - Connecting Research","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:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/","og_locale":"en_GB","og_type":"article","og_title":"RBS\u2019s B\u00f3: the fightback against Monzo and Revolut is about much more than market share - Connecting Research","og_description":"Could the advent of digital-only banks mean the end of the high street banking? Professor Brian Scott-Quinn from Henley Business School writes for The Conversation.","og_url":"https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/","og_site_name":"Connecting Research","article_publisher":"https:\/\/www.facebook.com\/theuniversityofreading\/","article_published_time":"2019-12-04T11:54:48+00:00","article_modified_time":"2019-12-10T16:55:09+00:00","og_image":[{"url":"https:\/\/research.reading.ac.uk\/research-blog\/wp-content\/uploads\/sites\/72\/Unorganized\/bank-note-209104_640.jpg"}],"author":"Sarah Harrop","twitter_card":"summary_large_image","twitter_creator":"@UniRdg_Research","twitter_site":"@UniRdg_Research","twitter_misc":{"Written by":"Sarah Harrop","Estimated reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/#article","isPartOf":{"@id":"https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/"},"author":{"name":"Sarah Harrop","@id":"https:\/\/research.reading.ac.uk\/research-blog\/#\/schema\/person\/99810845f887cb4c7aa3256ff496fd23"},"headline":"RBS\u2019s B\u00f3: the fightback against Monzo and Revolut is about much more than market share","datePublished":"2019-12-04T11:54:48+00:00","dateModified":"2019-12-10T16:55:09+00:00","mainEntityOfPage":{"@id":"https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/"},"wordCount":1146,"publisher":{"@id":"https:\/\/research.reading.ac.uk\/research-blog\/#organization"},"keywords":["Digital banks","ICMA centre","The Conversation"],"articleSection":["Prosperity & Resilience"],"inLanguage":"en-GB"},{"@type":"WebPage","@id":"https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/","url":"https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/","name":"RBS\u2019s B\u00f3: the fightback against Monzo and Revolut is about much more than market share - Connecting Research","isPartOf":{"@id":"https:\/\/research.reading.ac.uk\/research-blog\/#website"},"datePublished":"2019-12-04T11:54:48+00:00","dateModified":"2019-12-10T16:55:09+00:00","breadcrumb":{"@id":"https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/research.reading.ac.uk\/research-blog\/2019\/12\/04\/rbss-bo-the-fightback-against-monzo-and-revolut-is-about-much-more-than-market-share\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/research.reading.ac.uk\/research-blog\/"},{"@type":"ListItem","position":2,"name":"RBS\u2019s B\u00f3: the fightback against Monzo and Revolut is about much more than market share"}]},{"@type":"WebSite","@id":"https:\/\/research.reading.ac.uk\/research-blog\/#website","url":"https:\/\/research.reading.ac.uk\/research-blog\/","name":"Connecting Research","description":"Research stories from across the University of Reading","publisher":{"@id":"https:\/\/research.reading.ac.uk\/research-blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/research.reading.ac.uk\/research-blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/research.reading.ac.uk\/research-blog\/#organization","name":"University of Reading","alternateName":"UoR","url":"https:\/\/research.reading.ac.uk\/research-blog\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/research.reading.ac.uk\/research-blog\/#\/schema\/logo\/image\/","url":"https:\/\/research.reading.ac.uk\/research-blog\/wp-content\/uploads\/sites\/72\/2022\/10\/University-of-Reading-Logo-1.png","contentUrl":"https:\/\/research.reading.ac.uk\/research-blog\/wp-content\/uploads\/sites\/72\/2022\/10\/University-of-Reading-Logo-1.png","width":440,"height":147,"caption":"University of Reading"},"image":{"@id":"https:\/\/research.reading.ac.uk\/research-blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/theuniversityofreading\/","https:\/\/twitter.com\/UniRdg_Research","https:\/\/www.linkedin.com\/school\/university-of-reading\/mycompany\/verification\/","https:\/\/www.youtube.com\/channel\/UCsFUmxmcVbVJ-9iGczsKfuw","https:\/\/en.wikipedia.org\/wiki\/University_of_Reading","https:\/\/www.instagram.com\/uniofreading\/?hl=en","https:\/\/www.tiktok.com\/@uniofreading"]},{"@type":"Person","@id":"https:\/\/research.reading.ac.uk\/research-blog\/#\/schema\/person\/99810845f887cb4c7aa3256ff496fd23","name":"Sarah Harrop","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/research.reading.ac.uk\/research-blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b2262cee93695b78984ce6e297fcef9cc3d0555c9b1ececfd1bbfa7cad4cac8b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b2262cee93695b78984ce6e297fcef9cc3d0555c9b1ececfd1bbfa7cad4cac8b?s=96&d=mm&r=g","caption":"Sarah Harrop"},"url":"https:\/\/research.reading.ac.uk\/research-blog\/author\/s-harropreading-ac-uk\/"}]}},"cc_featured_image_caption":{"caption_text":false,"source_text":false,"source_url":false},"_links":{"self":[{"href":"https:\/\/research.reading.ac.uk\/research-blog\/wp-json\/wp\/v2\/posts\/19256","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/research.reading.ac.uk\/research-blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/research.reading.ac.uk\/research-blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/research.reading.ac.uk\/research-blog\/wp-json\/wp\/v2\/users\/127"}],"replies":[{"embeddable":true,"href":"https:\/\/research.reading.ac.uk\/research-blog\/wp-json\/wp\/v2\/comments?post=19256"}],"version-history":[{"count":1,"href":"https:\/\/research.reading.ac.uk\/research-blog\/wp-json\/wp\/v2\/posts\/19256\/revisions"}],"predecessor-version":[{"id":19258,"href":"https:\/\/research.reading.ac.uk\/research-blog\/wp-json\/wp\/v2\/posts\/19256\/revisions\/19258"}],"wp:attachment":[{"href":"https:\/\/research.reading.ac.uk\/research-blog\/wp-json\/wp\/v2\/media?parent=19256"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/research.reading.ac.uk\/research-blog\/wp-json\/wp\/v2\/categories?post=19256"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/research.reading.ac.uk\/research-blog\/wp-json\/wp\/v2\/tags?post=19256"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}