{"id":53126,"date":"2023-03-07T15:35:35","date_gmt":"2023-03-07T10:05:35","guid":{"rendered":"https:\/\/corpbiz.io\/learning\/?p=53126"},"modified":"2023-03-07T15:35:36","modified_gmt":"2023-03-07T10:05:36","slug":"challenges-faced-by-fintech-after-the-data-protection-bill-2022","status":"publish","type":"post","link":"https:\/\/corpbiz.io\/learning\/challenges-faced-by-fintech-after-the-data-protection-bill-2022\/","title":{"rendered":"Challenges Faced By Fintech after the Data Protection Bill 2022"},"content":{"rendered":"\n<p>The\nnew data protection bill is aimed at bringing more privacy to customers. It\nwill also provide more ease for doing business, and the central government can\nframe rules on the specified act. Moreover, the new data protection bill will\nimpact the fintech companies whose work is to process financial and personal\ndata. The fintech companies will face difficulties as the new bill will impose\nrestrictions on the fintech companies on storing the data abroad. This bill\nwill impact all three people involved in the process of data processing, data\nprincipal, data fiduciary, and data processor. Furthermore, the data processor\nis the one who provides the personal data. Moving on, the data fiduciary is the\none who clarifies the manner and purpose of data processing. At last, the data\nprocessor, as the name suggests, is the one who processes the data. In this\nblog, we will discuss the challenges faced by Fintech after the Data Protection\nBill 2022.<\/p>\n\n\n\n<p>Although\nthe bill seems to be an improvement over the previous version, a comparison\nwith the RBI&#8217;s guidance on Digital Lending 2022 reveals some challenges for\nfundamental issues, such as data localization, user permission, and the\nduration of data-keeping. Customers&#8217; data privacy and client security\nframeworks have long been noticeably lacking due to a lack of data privacy laws\nand associated consumer literacy. The occurrence has increased due to the use\nof illegal app-based loans. In India, many debtors have reported experiencing\nsevere abuse from online debt collectors, leading to deaths. <\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Page Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/corpbiz.io\/learning\/challenges-faced-by-fintech-after-the-data-protection-bill-2022\/#What_Is_The_New_Data_Protection_Bill_2022\" >What Is The\nNew Data Protection Bill 2022?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/corpbiz.io\/learning\/challenges-faced-by-fintech-after-the-data-protection-bill-2022\/#Main_Issues_of_Data_Protection\" >Main Issues of\nData Protection<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/corpbiz.io\/learning\/challenges-faced-by-fintech-after-the-data-protection-bill-2022\/#Obligations_of_Fintech\" >Obligations of\nFintech<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/corpbiz.io\/learning\/challenges-faced-by-fintech-after-the-data-protection-bill-2022\/#Provisions_of_the_New_Data_Protection_Bill\" >Provisions of the\nNew Data Protection Bill<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/corpbiz.io\/learning\/challenges-faced-by-fintech-after-the-data-protection-bill-2022\/#Challenges_Faced_By_Fintech_Companies\" >Challenges\nFaced By Fintech Companies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/corpbiz.io\/learning\/challenges-faced-by-fintech-after-the-data-protection-bill-2022\/#Why_is_a_Task_Force_Required_for_Data_Protection\" >Why is a Task\nForce Required for Data Protection?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/corpbiz.io\/learning\/challenges-faced-by-fintech-after-the-data-protection-bill-2022\/#Existence_of_Data_Privacy_and_Protection_Bill_with_Other_Laws\" >Existence of\nData Privacy and Protection Bill with Other Laws<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/corpbiz.io\/learning\/challenges-faced-by-fintech-after-the-data-protection-bill-2022\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_The_New_Data_Protection_Bill_2022\"><\/span>What Is The\nNew Data Protection Bill 2022?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Any\ninformation that is used to determine or identify a person is known as personal\ninformation. Personal data is processed by both businesses and governmental organizations\nin order to supply products and services. Processing personal data enables\ncomprehension of user tastes, which may be helpful for customization, focused\nadvertising, and suggestion development. Law enforcement may benefit from the\nprocessing of confidential data. Unchecked processing may harm people\u2019s privacy,\nwhich has been acknowledged as a fundamental right. Individuals may suffer\ninjury from it, like money loss, reputational damage, and profiling.<\/p>\n\n\n\n<ul><li>The Bill will apply to handling\ndigital personal data processed within India, whether the data is obtained\nonline or offline and then converted to digital form. If the processing is done\nto sell goods or services or create profiles of people in India, it will also\npertain to processing done outside of India.<\/li><li>Personal information may\nonly be handled with a person&#8217;s permission and for legitimate purposes but in a\nfew cases, you may assume that the person has consented to it. <\/li><li>Data guardians must keep\ndata accurate, private, and deleted once its function has been served.<\/li><li>The Bill provides people\nwith several rights, including the ability to request information, seek\nrectification and erasure, and file a claim.<\/li><li>For specific reasons,\nsuch as state security, public order, or the prevention of crimes, the central\ngovernment may exempt government organizations from Bill&#8217;s requirements.<\/li><li>To enforce adherence to\nBill&#8217;s terms, the federal government will create the Data Protection Commission\nof India.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Main_Issues_of_Data_Protection\"><\/span>Main Issues of\nData Protection<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Data gathering,\nprocessing, and retention may go above and beyond what is required if the State\nis granted exemptions from handling data for reasons like national security. This\nfundamental compromise the basic right to privacy.<\/li><li>The Bill treats private\nand public organizations differently regarding permission and storing\nlimitations when they carry out the same business function, like offering\nbanking or communication services. This might go against the private sector\nproviders&#8217; claim to equity. <\/li><li>The federal government\nwill regulate the composition, procedure, and tenure of nominations to the Data\nProtection Board of India. This calls into doubt the Board&#8217;s ability to operate\nindependently.<\/li><li>The Data Principal does\nnot have the right to transfer data or be erased under the Bill. <\/li><li>The Bill mandates that\nbefore handling a child&#8217;s personal information, data guardians must first\nacquire verified permission from the child&#8217;s legal caretaker. Every data\ncustodian must confirm the age of each person registering for its services to\nabide by this requirement. There may be negative repercussions for online\nprivacy as a result of this.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Obligations_of_Fintech\"><\/span>Obligations of\nFintech <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>The personal data that\nthe fintech companies process belong to the people known as digital nagriks or\ndata principals. As per the new data protection bill, the data principal must\nreceive a notice in clear and simple language stating the details of the\npersonal data that must be collected and the reason for collecting the data. <\/li><li>Consent of the\nindividuals whose data is collected by the company must be duly taken.&nbsp; <\/li><li>Before this Bill becomes\nlaw, permission must be freely provided, guided by nature, and unambiguous. It\nwould also require re-consent as soon as it is practically possible.<\/li><li>The Central Government is\nrequired to designate a class of Data Fiduciaries as Important Data Fiduciaries\nbased on the number and sensitivity following the passage of this Bill into\nlaw. Several significant Fintech companies will probably be categorised as\nImportant Data Fiduciaries based on their primary services. A data protection\neffect evaluation and the required appointment of a data protection officer are\njust a few of the extra compliances that would result from such mapping.<\/li><li>Fintech would be required\nto reply to Data Nagarik\u2019s if they inquire about the following: <ul><li>Confirmation\nthat their personal data is being handled; <\/li><li>Provision\nof a summary with information thereon; <\/li><li>Data\ncorrection upon notification; and <\/li><li>Data\ndeletion upon request.<\/li><\/ul><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Provisions_of_the_New_Data_Protection_Bill\"><\/span>Provisions of the\nNew Data Protection Bill<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Extraterritorial Application:<\/strong>\nThis applies to any processing of &#8220;digital personal data&#8221; within\nIndia as well as outside of India if it is done in conjunction with the\ncreation of customer profiles or the provision of products and services to data\nprincipals (India&#8217;s equivalent of data subjects).<\/li><li><strong>Consent Administrators &#8211;<\/strong>\nThe Data Protection Board of India (the Board) has authorised consent\nadministrators who will work on behalf of the data owners to assist them in\ngranting, evaluating, and revoking permission. India already has some\npermission administrators through the Account Aggregators (for exchanging\nfinancial data between controlled organisations), which also handle data\nportability.<\/li><li><strong>Notification and Consent:<\/strong>\nNotice shall be in English, and other languages as the Indian Constitution may\nspecify. Consent must be voluntarily given, precise, informed, and unambiguous,\nas required by data security laws, and it must be given in the form of a\ndefinite positive action. Data owners will be able to revoke their permission\nat any time.<\/li><li><strong>Data Principal Rights:<\/strong>\nWhile some rights (such as the right to be ignored) have been left out, others\n(such as the right to knowledge, correction, and dispute redressal) have been\nincluded.<\/li><li><strong>Cross-Border Data\nTransfer:<\/strong> A white-listing procedure has replaced\nthe previous versions&#8217; requirements for data duplication and localisation. The\nfederal government will inform countries and regions outside of India that will\nreceive data transfers.<\/li><li><strong>Non-Consent-Based\nProcessing:<\/strong> The Digital Personal Data Protection\nBill specifies exceptions to consent, or &#8220;deemed consent,&#8221; allowing\nnon-consent-based processing in cases of voluntary submission of digital\npersonal data to a data fiduciary for processing necessary to carry out a legal\nobligation to adhere to a court order or judgement, for employment and related\npurposes, in the public interest, such as fraud prevention or credit scoring or\nM&amp;A, and for practical purposes that will be determined by the data fiduciary.\nMany companies will use these significant exceptions when handling data.<\/li><li><strong>Carry Out Duties &#8211;<\/strong>\nThe central government will designate the Data Protection Board of India to\ncarry out duties such as finding non-compliance, enforcing fines, or taking immediate\naction in the event of a violation, along with any other responsibilities on it\nby the central government. A judgement of the Commission may be appealed to the\nSupreme Court.<\/li><li><strong>Data Fiduciary Duties:<\/strong>\nCompanies processing &#8220;digital personal data&#8221; are subject to primary\ndata fiduciary duties, which include duties related to data quality,\nrequirements for technical and organisational measures, notifications of data\nbreaches, restrictions on data retention, and rules for transfers to data\nprocessors, and duties related to data breach notifications. Moreover, it is\nmandatory to hire a data protection officer. Significant data guardians will\nhave increased responsibilities. The central government will notify them based\non the volume and sensitivity of handled personal data and the danger of\ndamage.<\/li><li><strong>Penalties:<\/strong>\nAccording to the Schedule, there are up to Rs 500 billion in fines for each\nincident of non-compliance. For instance, failure to implement adequate\nsecurity measures can result in penalties of up to Rs 250 crore. In comparison,\nfailure by a significant data fiduciary to comply can result in fines of up to\nRs 150 crore.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Challenges_Faced_By_Fintech_Companies\"><\/span>Challenges\nFaced By Fintech Companies <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Following are some challenges faced by Fintech\nCompanies:<\/p>\n\n\n\n<ul><li><strong>Impact on Sectoral Laws<\/strong><\/li><\/ul>\n\n\n\n<p>This\nis one of the main challenges faced by Fintech Companies. Fintech companies\nmust comply with the IT SPDI regulations. In addition, there are numerous\nindustry-specific privacy laws (such as telecom, financial, and health). The\nmost current Digital Lending Rules, the Account Aggregator Framework, and the\nDigital Payment Security Controls are just a few examples in the fintech\nindustry. There are also general confidentiality rules, such as RBI\nrequirements, that demand banks to confirm that customers have given their\npermission before data is disclosed.<\/p>\n\n\n\n<p>Fintech\ninnovation requires teamwork and collaboration with other industries, such as\ntelco (for OTT services, for instance, or Meity) and financial authorities\n(insurance, pension, securities, and banking). To guarantee regulation\ncooperation, the former Personal Data Protection Bill, 2019 permitted the Data\nProtection Authority of India to sign Memorandums of Understanding with other\nregulators\/authorities. While an overarching regulation, the present Digital\nPersonal Data Protection Bill creates a comparable clash with rules that apply\nto particular industries.<\/p>\n\n\n\n<p>Clarification\nis provided in this regard by the Explanatory Note to the Digital Personal Data\nProtection Bill released by Meity, which states that this Bill will only apply\nto the degree of such a dispute and that the industry law will take precedence.\nWhatever the case, the ultimate data security law will require a\nsector-by-sector examination of its application, potential conflicts, and\ninterpretation to permit financial organisations to comply. Although it will\nusually be the reverse, where the sectoral regulation mandates more stringent\nprotections, a specific conflict can emerge when the sectoral law explicitly\nallows more lax privacy protections than the DPDP Bill.<\/p>\n\n\n\n<ul><li><strong>Impact On Increasing\nMergers<\/strong><\/li><\/ul>\n\n\n\n<p>This\nis also one of the main challenges faced by Fintech Companies. Various mergers,\nacquisitions, and consolidations are noteworthy financial development that will\nsoon reach India. The coronavirus epidemic might also lead to some industry\nconsolidation to help struggling businesses live. Data will be a significant\nfactor in the choices made, both as a danger to be evaluated and as a commodity\nto be valued.&nbsp; <\/p>\n\n\n\n<p>Monitoring\nsignificant actions taken by the planned Data Protection Authority\n(&#8220;DPA&#8221;) and carrying out independent privacy assessments as part of\nthe businesses&#8217; own previous <strong><a class=\"text-primary\" href=\"https:\/\/corpbiz.io\/due-diligence\">due diligence<\/a><\/strong> processes will become necessary. Due\nto the sizeable penalties under the Bill (2-4% of total global turnover), the\nseller will also be required to provide indemnities and guarantees, such as\nthat there have been no data leaks and that all of its operations are in\ncomplete compliance with the law.<\/p>\n\n\n\n<p>The\nmain thing is ensuring data protection compliance throughout the M&amp;A\nprocess (such as identifying a lawful basis for processing, providing notice to\ndata principals, etc.). Notably, Section 14(2) of the Bill suggests M&amp;As as\na &#8220;reasonable purpose&#8221; for processing that is free from the\npermission requirement. Notably, the initial 2018 Bill did not permit the\nexclusion of sensitive personal data (&#8220;SPD&#8221;) for a justifiable\npurpose in light of categorising financial data as SPD. However, the 2019 Bill\ndoes not distinguish between the two. Therefore, SPD, including financial data,\nwill also fall under the purview of the permit exemption for M&amp;As unless\nfurther clarification is provided in the final document.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_is_a_Task_Force_Required_for_Data_Protection\"><\/span>Why is a Task\nForce Required for Data Protection?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The\nProtection of Data Privacy bill is a significant problem because Data Protection\nAuthorities are given much leeway. Thus, there currently needs to be more\nelements of compliance. Only after the Data Protection Act is established and\nreleasing guidance papers, codes of practice, etc., will the full image of the fundamental\nobligations for a particular sector and the flexibility permitted become clear.\nTo accomplish this efficiently,<\/p>\n\n\n\n<ul><li>The discretionary\nauthority should be curbed by adding more precise legal provisions to serve as\nguidance, such as specifying exemptions or defining reporting deadlines for\ndata breaches.<\/li><li>It will also be crucial\nto streamline industry-level standards. The Steering Group on Fintech-Related\nIssues suggested creating a Task Force to examine and harmonise existing\nfinancial legislation with <strong>the Personal Data Protection Bill, 2019<\/strong><sup><a class=\"text-primary\" href=\"https:\/\/en.wikipedia.org\/wiki\/Personal_Data_Protection_Bill,_2019\"><strong>[1]<\/strong><\/a><\/sup> as one way\nto achieve this. Another way to accomplish this is to permit industry-developed\nbut DPAI-authorised codes of conduct. These will be crucial measures for the\nfinancial sector and other heavily controlled sectors like healthcare.<\/li><li>For a more equitable\ndistribution of authority and responsibility, the second Steering Committee\nrecommendation &#8211; that some Data Protection Authorities\u2019 duties be delegated to\nother industry regulators must also be put into practice.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Existence_of_Data_Privacy_and_Protection_Bill_with_Other_Laws\"><\/span>Existence of\nData Privacy and Protection Bill with Other Laws<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Where a rule is in\neffect, problems can still occur. For instance, the Personal Data Protection bill\nonly acknowledges goals that are &#8220;necessary&#8221; by legislation. Think\nabout the RBI&#8217;s Master Direction on KYC, which gives banks some latitude over\ndisclosures and allows them to do so in cases where \u201cthe bank&#8217;s interest\nnecessitates disclosure\u201d \u201cwhen it is the duty of companies to reveal the\ninformation to the public [Section 56(d)]. It is unclear whether different\ndiscretionary powers fall under the Personal Data Protection Bill&#8217;s definition\nof &#8220;necessity,&#8221; given that this is a prescribed law, or whether these\nwill require a distinct Data Protection Authorities sanction.<\/li><li>Similar to minimal\nretention periods, maximum retention periods must be specified in the Personal\nData Protection bill. For example, the KYC guidance sets a maximum retention\nperiod of five years. Companies must decide when to delete data on their own if\nmaximum times are not incorporated into the data security itself.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Only Indian rules are listed as an exception to assent in the Personal Data Protection Bill. This means that any requirements enforced by international law, a treaty, etc., will require agreement unless they are exempted as serving a useful purpose. For instance, card networks mandate Payment Card Industry Data Security Standard conformance as a worldwide compliance standard for card payments (i.e., not an Indian law). The banking industry will need to determine whether a law already exists, if an exemption applies (for Payment Card Industry Data Security Standard, for example, the sensible purpose exemption for fraud prevention\/information security will apply), or if permission is required for each such duty.<\/p>\n\n\n\n<p><strong>Also Read<\/strong>: <br><a href=\"https:\/\/corpbiz.io\/learning\/what-is-privacy-policy-for-website\/\">What Website Policy Is All About?\n<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The new data protection bill is aimed at bringing more privacy to customers. It will also provide more ease for doing business, and the central government can frame rules on the specified act. Moreover, the new data protection bill will impact the fintech companies whose work is to process financial and personal data. The fintech [&hellip;]<\/p>\n","protected":false},"author":59,"featured_media":53127,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[120],"tags":[3197],"acf":{"service_id":"408"},"authorName":"Anushka Saxena","authorImageUrl":"https:\/\/corpbiz.io\/learning\/wp-content\/uploads\/2023\/02\/MicrosoftTeams-image-109.jpg","authorDescription":"Anushka Saxena is a final year law student from Indore Institute of Law. She is an hardworking, dedicated and fun-loving person. Her area of interest lies in corporate laws and IPR.","postViews":2709,"readingTime":9,"_links":{"self":[{"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/posts\/53126"}],"collection":[{"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/users\/59"}],"replies":[{"embeddable":true,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/comments?post=53126"}],"version-history":[{"count":2,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/posts\/53126\/revisions"}],"predecessor-version":[{"id":53129,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/posts\/53126\/revisions\/53129"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/media\/53127"}],"wp:attachment":[{"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/media?parent=53126"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/categories?post=53126"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/tags?post=53126"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}