{"id":301075,"date":"2021-07-16T21:58:00","date_gmt":"2021-07-16T18:58:00","guid":{"rendered":"https:\/\/en.buradabiliyorum.com\/inside-the-12-billion-opportunity-to-speed-up-access-to-paychecks\/"},"modified":"2021-07-16T21:58:00","modified_gmt":"2021-07-16T18:58:00","slug":"inside-the-12-billion-opportunity-to-speed-up-access-to-paychecks","status":"publish","type":"post","link":"https:\/\/buradabiliyorum.com\/en\/inside-the-12-billion-opportunity-to-speed-up-access-to-paychecks\/","title":{"rendered":"#: Inside the $12 billion opportunity to speed up access to paychecks"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a3d28de6505a\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #dd3333;color:#dd3333\" 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: #dd3333;color:#dd3333\" 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><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a3d28de6505a\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/buradabiliyorum.com\/en\/inside-the-12-billion-opportunity-to-speed-up-access-to-paychecks\/#Younger_workers_are_demanding_quicker_access_to_their_wages_in_what_could_drive_the_biggest_change_to_the_payroll_industry_in_decades\" >Younger workers are demanding quicker access to their wages in what could drive the biggest change to the payroll industry in decades<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/buradabiliyorum.com\/en\/inside-the-12-billion-opportunity-to-speed-up-access-to-paychecks\/#Emily_Bary\" >Emily Bary<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>&#8220;<strong>#: Inside the $12 billion opportunity to speed up access to paychecks<\/strong>&#8221;<\/p>\n<h2 class=\"article__subhead\" itemprop=\"alternativeHeadline\"><span class=\"ez-toc-section\" id=\"Younger_workers_are_demanding_quicker_access_to_their_wages_in_what_could_drive_the_biggest_change_to_the_payroll_industry_in_decades\"><\/span>\n  Younger workers are demanding quicker access to their wages in what could drive the biggest change to the payroll industry in decades<br \/>\n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><\/p>\n<div class=\"column column--full article__content\">\n<div class=\"article__side\">\n<div class=\"container--sticky not-active\">\n<div id=\"cx-next\" data-nosnippet>\n              <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div id=\"js-article__body\" class=\"article__body article-wrap at16-col16 barrons-article-wrap\" itemprop=\"articleBody\" data-sbid=\"WP-MKTW-0000331792\">\n<div class=\"barrons-article-ad-wrapper\">\n<div data-track=\"barrons-article-ad-wrap\" class=\"barrons-article-ad sticky_item\">\n<div class=\"barrons-main-article-ad-target sticky_target body_ad\" aria-hidden=\"true\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div data-layout=\"\n                inline\" data-layout-mobile=\"\" class=\"\n          media-object\n          type-InsetArticleReader\n              \n              inline\n  article__inset\n          article__inset--type-InsetArticleReader\n              article__inset--inline\n  \"><\/p>\n<div class=\"media-object-article-reader\">\n<div class=\"audioplayer\" data-sbid=\"WP-MKTW-0000331792\" role=\"region\" aria-label=\"Listen to Article\" tabindex=\"-1\" id=\"articlereader\" data-show-title=\"false\" data-theme=\"wsj-article-reader\" data-show-header=\"false\" data-show-subscribe=\"false\" data-ads-enabled=\"true\" data-save-publication=\"false\">\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>       A growing interest among younger workers to access their pay more quickly could create a $12 billion market for payroll providers and earned-wage upstarts that seek to disrupt the traditional idea of pay periods. <\/p>\n<p> Fintech companies see a big opportunity to speed up access to earned wages, especially for hourly employees with tighter cash-flow needs and a greater proclivity to use costly and predatory options like payday loans to make ends meet. The <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/technology\/\" data-internallinksmanager029f6b8e52c=\"4\" title=\"Technology\" target=\"_blank\" rel=\"noopener\">technology<\/a>, which can allow workers to receive their wages at the end of a shift, may drive the biggest change to the payroll industry in decades following a long stretch of monthly and then biweekly pay cycles. <\/p>\n<div class=\"paywall\">\n       Companies providing access to on-demand wages say they\u2019re seeing a surge of corporate interest given the current labor market as businesses in sectors like retail and restaurants struggle to recruit workers. One Missouri Arby\u2019s location lists \u201cDAILY PAY\u201d as the first bullet point in its job posting for a team-member position. DailyPay, a startup recently valued at upwards of $1 billion, says it works with some Arby\u2019s franchises to provide this service.  <\/p>\n<div data-layout=\"inline\n                \" data-layout-mobile=\"\" class=\"\n          media-object\n          type-InsetMediaIllustration\n            inline\n  article__inset\n          article__inset--type-InsetMediaIllustration\n            article__inset--inline\n  \"><\/p>\n<figure class=\"\n        media-object-image\n        enlarge-image\n        img-inline\n        article__inset__image\n      \" itemscope itemtype=\"http:\/\/schema.org\/ImageObject\"><\/p>\n<div style=\"padding-bottom:85.71428571428571%;\" data-subtype=\"photo\" class=\"image-container  responsive-media article__inset__image__image\">\n        <img decoding=\"async\" srcset=\"https:\/\/images.mktw.net\/im-370113?width=540&amp;size=1.1668185961713764 540w, https:\/\/images.mktw.net\/im-370113?width=620&amp;size=1.1668185961713764 620w, https:\/\/images.mktw.net\/im-370113?width=639&amp;size=1.1668185961713764 639w, https:\/\/images.mktw.net\/im-370113?width=700&amp;size=1.1668185961713764 700w, https:\/\/images.mktw.net\/im-370113?width=700&amp;size=1.1668185961713764&amp;pixel_ratio=1.5 1050w, https:\/\/images.mktw.net\/im-370113?width=700&amp;size=1.1668185961713764&amp;pixel_ratio=2 1400w, https:\/\/images.mktw.net\/im-370113?width=700&amp;size=1.1668185961713764&amp;pixel_ratio=3 2100w\" sizes=\"(max-width: 639px) 100vw, (max-width: 979px) 620px, (max-width: 1299px) 540px, 700px\" src=\"https:\/\/images.mktw.net\/im-370113?width=700&amp;height=600\" alt=\"\" title=\"\"><\/div><figcaption class=\"wsj-article-caption article__inset__image__caption\" itemprop=\"caption\"><span class=\"wsj-article-credit article__inset__image__caption__credit\" itemprop=\"creator\"><br \/>\n            MarketWatch photo illustration\/ZipRecruiter, Getty Images<br \/>\n          <\/span><br \/>\n  <\/figcaption><\/figure>\n<\/div>\n<p>       Mizuho analyst Siti Panigrahi attributes the trend partly to a gig-worker mentality, and companies like Uber Technologies Inc.<br \/>\n        UBER,<br \/>\n        <bg-quote field=\"percentchange\" format=\"0,000.00%\" channel=\"\/zigman2\/quotes\/211348248\/composite\" class=\"negative\">-0.61%<\/bg-quote><br \/>\n       and Lyft Inc.<br \/>\n        LYFT,<br \/>\n        <bg-quote field=\"percentchange\" format=\"0,000.00%\" channel=\"\/zigman2\/quotes\/208999293\/composite\" class=\"negative\">-2.59%<\/bg-quote><br \/>\n       now let their drivers request early access to earnings. More millennials are asking: \u201cWhy should my employer hold my money that I earned for 15 days?\u201d Panigrahi said. <\/p>\n<p>The total addressable market for these services could be $4.2 billion to $12.2 billion in the U.S., according to Baird analyst Mark Marcon. <\/p>\n<p><strong>See also: Why online-<a href=\"https:\/\/buradabiliyorum.com\/en\/category\/trip-and-travel\/\" data-internallinksmanager029f6b8e52c=\"10\" title=\"Trip &amp; Travel\" target=\"_blank\" rel=\"noopener\">travel<\/a> giant Booking is getting into the fintech <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/game\/\" data-internallinksmanager029f6b8e52c=\"7\" title=\"Game\" target=\"_blank\" rel=\"noopener\">game<\/a><\/strong><\/p>\n<p>On-demand pay is currently most prevalent among workers in industries like grocery, restaurants, and hospitality, where there is a strong need for quicker access to wages, but DailyPay Chief Executive Jason Lee expects that companies will gradually give the option to salaried workers as well, given a <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/general\/\" data-internallinksmanager029f6b8e52c=\"3\" title=\"General\" target=\"_blank\" rel=\"noopener\">general<\/a> move in the financial-services industry to get people their money more quickly. We\u2019re used to picking up the tab for a friend\u2019s coffee and im<a href=\"https:\/\/buradabiliyorum.com\/en\/category\/social-mediaa\/\" data-internallinksmanager029f6b8e52c=\"1\" title=\"Social Media\" target=\"_blank\" rel=\"noopener\">media<\/a>tely receiving reimbursement through services like Venmo, he said, and he believes more people will start having a similar expectation of their employers as well.<\/p>\n<p>\u201cWe have squeezed the toothpaste out of the tube and it\u2019s hard to put it back in,\u201d he told MarketWatch. <\/p>\n<div data-layout=\"inline\n                \" data-layout-mobile=\"\" class=\"\n          media-object\n          type-InsetPullQuote\n            inline\n    scope-web|mobileapps\n  article__inset\n          article__inset--type-InsetPullQuote\n            article__inset--inline\n  \"><\/p>\n<div class=\"wsj-article-pullquote article__inset__pullquote \">\n<p class=\"pullquote-content article__inset__pullquote__quote\">\n        <span class=\"l-qt article__inset__pullquote__mark--left\">\u201c<\/span><br \/>\n        \u201cOn-demand pay is h<a href=\"https:\/\/buradabiliyorum.com\/en\/category\/download-scripts-themes-apps\/\" data-internallinksmanager029f6b8e52c=\"9\" title=\"Download Scripts &amp; Themes &amp; Apps\" target=\"_blank\" rel=\"noopener\">app<\/a>ening and becoming table stakes. My belief is that companies won\u2019t be able to get on the rankings of the top companies to work for if they don\u2019t offer some flexible pay arrangement.\u201d<br \/>\n        <span class=\"r-qt article__inset__pullquote__mark--right\">\u201d<\/span><\/p>\n<p>        <small><br \/>\n          <span class=\"inset-author article__inset__pullquote__author\">\u2014 Seth Ross, general manager, Dayforce Wallet, Ceridian<\/span><br \/>\n        <\/small><\/p><\/div>\n<\/p><\/div>\n<p>       Employers typically run payroll every two weeks before sending money off to employees, but DailyPay integrates with various back-office software systems to figure out elements like how much an employee has worked in a given day and what that person\u2019s deductions are. Then when workers request on-demand access to their wages, DailyPay will fund these requests off its own balance sheet, and the employer eventually reimburses the fintech company.<\/p>\n<p> <strong>Read: PayPal steps up efforts to make money off Venmo with new fee changes<\/strong><\/p>\n<div id=\"cx-membership-tile\"><\/div>\n<p>Though startups have led the charge on earned-wage access, the trend has caught the attention of established payroll providers like Automatic Data Processing Inc.<br \/>\n        ADP,<br \/>\n        <bg-quote field=\"percentchange\" format=\"0,000.00%\" channel=\"\/zigman2\/quotes\/207661132\/composite\" class=\"negative\">-0.20%<\/bg-quote><br \/>\n       and Paychex Inc.<br \/>\n        PAYX,<br \/>\n        <bg-quote field=\"percentchange\" format=\"0,000.00%\" channel=\"\/zigman2\/quotes\/202030365\/composite\" class=\"negative\">-0.43%<\/bg-quote><span>,<\/span><br \/>\n       which have struck partnerships to enable on-demand access to wages for some workers. (Neither responded to MarketWatch\u2019s request to discuss on-demand wage access for this story.) Ceridian HCM Holding Inc.<br \/>\n        CDAY,<br \/>\n        <bg-quote field=\"percentchange\" format=\"0,000.00%\" channel=\"\/zigman2\/quotes\/202953744\/delayed\" class=\"positive\">+0.57%<\/bg-quote><\/p>\n<p>        CDAY,<br \/>\n        <bg-quote field=\"percentchange\" format=\"0,000.00%\" channel=\"\/zigman2\/quotes\/201586720\/composite\" class=\"positive\">+0.56%<\/bg-quote><span>,<\/span><br \/>\n       another traditional provider of payroll services, recently built its own in-house earned-wage offering that\u2019s integrated into its broader suite of human-capital software.<\/p>\n<p>Ceridian has seen \u201cparabolic\u201d growth of its Dayforce Wallet earned-wage service since its May 2020 launch, according to Seth Ross, the wallet\u2019s general manager. In the early days of Dayforce Wallet, employers looked at it as an \u201caltruistic\u201d way to help get workers their pay more quickly during the pandemic, but now they\u2019re viewing it as a way to attract and retain employees in a competitive labor market, he said.<\/p>\n<p>\u201cOn-demand pay is happening and becoming table stakes,\u201d he told MarketWatch. \u201cMy belief is that companies won\u2019t be able to get on the rankings of the top companies to work for if they don\u2019t offer some flexible pay arrangement.\u201d<\/p>\n<p><strong>Don\u2019t miss: This fintech has big plans for the U.S. with a focus on helping expats send money to family back home<\/strong><\/p>\n<p>Companies offering on-demand payroll solutions structure their business models in a number of ways, but their services are far cheaper than payday loans, which can carry an APR of 400% or more, according to Mizuho\u2019s<strong> <\/strong>Panigrahi. Some providers of earned-wage options charge a fee to the employer or employee, which can run at around $1 to $3 for each time a worker takes advantage of the feature, per Panigrahi\u2019s analysis. <\/p>\n<p>Baird\u2019s Marcon wrote that a $3 fee per transaction when an employee accesses earned wages would be 80% less expensive than the $15 in fees one would pay to get a $100 payday loan and 91% less than the $35 one might be charged for a bank overdraft.<\/p>\n<p>Others have found a different model, including Ceridian\u2019s Dayforce Wallet, which provides on-demand wages through a linked debit card and monetizes the program through interchange, or the fees that a merchant\u2019s bank pays the card issuer\u2019s bank. By participating in the general economics of card transactions, Ceridian is able to make money off the feature without charging workers to use it. The company earns more interchange revenue the more that consumers spend on their debit cards.<\/p>\n<p>Through Ceridian\u2019s model, workers can opt to load some or all of their earned wages onto the Dayforce Wallet debit card for immediate spending, and then they get the rest on their traditional payday. Ross said that Ceridian\u2019s service is differentiated because it\u2019s embedded within the company\u2019s broader human-resources system that shows when a worker clocks in and out and what the worker\u2019s deductions and benefits are. <\/p>\n<p>Panigrahi estimates that the Dayforce Wallet could add at least $500 million in incremental revenue for the company by 2026.<\/p>\n<p>Many providers of earned-wage access are looking to extend beyond the modernization of paychecks. The \u201choly grail\u201d for neobanks is access to users\u2019 direct deposits, said Ross. Ceridian, a payroll company, is essentially able to get that access when workers opt to shift pay to their Dayforce Wallet accounts rather than traditional bank accounts. <\/p>\n<p>\u201cThe ambition for us is that the Dayforce Wallet card is not just a vehicle for advancing funds when they need it but that it becomes that user\u2019s trusted financial hub for everything they want to do,\u201d he said. \u201cIt\u2019s early days but that\u2019s where we\u2019re going.\u201d<\/p>\n<p>Branch, a startup in the space that works with partners like Domino\u2019s and Pizza Hut franchises, sees a similar path. About a quarter of the company\u2019s users switch their direct deposits to Branch, which offers a free checking account without monthly minimums, said Atif Siddiqi, the company\u2019s chief executive. Branch sees opportunity to continue offering bank accounts, including to its unbanked users, while also expanding into adjacent areas, like cashless tips and contractor payments. <\/p>\n<p>DailyPay, which counts ADP and Ultimate Kronos Group among its partners, said it\u2019s chosen a different route. Nearly 90% of its users have indicated that they don\u2019t want to switch their bank accounts, so the company doesn\u2019t offer checking or savings accounts, instead sending earned wages to consumers\u2019 existing accounts. <\/p>\n<p>\u201cConsumers have a gajillion choices,\u201d he said. \u201cWhat we\u2019d rather do is build seamless connectivity.\u201d Depending on the arrangement, employees, employers, or a combination of both will pay a fee when users access wages early, but DailyPay doesn\u2019t charge for its savings features.<\/p>\n<p><strong>The end of the two-week pay cycle: How every day can be payday<\/strong><\/p>\n<p>Marcon cautions that while on-demand wage programs can help people avoid relying on exploitative short-term lending options, there is also the potential for abuse if workers immediately spend all of their earned wages such that they still must turn to predatory lending to manage their liquidity. \u201cWhile many of the offerings provide constraints or customization to prevent abuses, we do note that some individuals could further deteriorate their financial position by abusing on-demand pay,\u201d he wrote in a note to clients. <\/p>\n<p>The focus on earned-wage access may be missing the point, suggests Jon\u00a0Schlossberg, the founder of Even, a fintech player that works with PayPal Holdings Inc.<br \/>\n        PYPL,<br \/>\n        <bg-quote field=\"percentchange\" format=\"0,000.00%\" channel=\"\/zigman2\/quotes\/208054269\/composite\" class=\"negative\">-0.41%<\/bg-quote><br \/>\n       and Walmart Inc.<br \/>\n        WMT,<br \/>\n        <bg-quote field=\"percentchange\" format=\"0,000.00%\" channel=\"\/zigman2\/quotes\/207374728\/composite\" class=\"positive\">+0.04%<\/bg-quote><br \/>\n       His company offers a package of financial services for hourly workers, including earned-wage access, and it charges a flat fee for the bundle, which in most cases employers will fully pay to offer the benefits to their workers. <\/p>\n<p>Even\u2019s goal is to get its users to become regular users of financial-planning and savings tools so that if an emergency were to hit, the workers would have money to fall back on without having to tap their wages early, according to Schlossberg. The company recently launched employer-sponsored savings funds and is optimistic that an option for automatic savings will get more users to stash money away for a rainy day.<\/p>\n<p>\u201cThe way you help people not use short-term credit products is to [help them] have more money,\u201d he said.<\/p><\/div>\n<\/div><\/div>\n<p><\/p>\n<div class=\"byline article__byline\">\n<p>      <span>By<\/span><\/p>\n<div class=\"author  hasMenu\" data-scrim='{\"type\":\"author\",\"header\":\"Emily Bary\",\"subhead\":\"The Wall Street Journal\",\"list\":[]}' itemscope itemprop=\"author\" itemtype=\"http:\/\/schema.org\/Person\">\n<h4 itemprop=\"name\"><span class=\"ez-toc-section\" id=\"Emily_Bary\"><\/span><a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/marketwatch.com\/author\/emily-bary?mod=MW_author_byline\">Emily Bary<\/a><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/p><\/div>\n<\/div>\n<blockquote><p><strong><span style=\"color: #ff6600;\">If you liked the article, do not forget to share it with your friends. Follow us on\u00a0<span style=\"color: #ff0000;\"><a style=\"color: #ff0000;\" href=\"https:\/\/news.google.com\/publications\/CAAqBwgKMLG0nwswvr63Aw\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Google News<\/a><\/span>\u00a0too, click on the star and choose us from your favorites.<\/span><\/strong><\/p><\/blockquote>\n<blockquote>\n<p style=\"text-align: center;\">For forums sites go to <span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/forum.buradabiliyorum.com\/\" target=\"_blank\" rel=\"noopener\">Forum.BuradaBiliyorum.Com<\/a><\/span><\/strong><\/p>\n<\/blockquote>\n<blockquote>\n<p style=\"text-align: center;\"><strong>If you want to read more <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/news\/\" data-internallinksmanager029f6b8e52c=\"2\" title=\"News\" target=\"_blank\" rel=\"noopener\">News<\/a> articles, you can visit our <span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/en.buradabiliyorum.com\/news\/\" target=\"_blank\" rel=\"noopener\">News category.<\/a><\/span><\/strong><\/p>\n<\/blockquote>\n<p><span style=\"color: black;\"><a style=\"color: #ff9900;\" href=\"http:\/\/www.marketwatch.com\/news\/story.asp?guid=%7B20C05575-04D4-B545-7510-1087F9DB1BA5%7D&#038;siteid=rss&#038;rss=1\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;#: Inside the $12 billion opportunity to speed up access to paychecks&#8221; Younger workers are demanding quicker access to their wages in what could drive the biggest change to the payroll industry in decades A growing interest among younger workers to access their pay more quickly could create a $12 billion market for payroll providers&#8230;<\/p>\n","protected":false},"author":1,"featured_media":301076,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[70897],"tags":[],"class_list":["post-301075","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"_links":{"self":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/301075","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/comments?post=301075"}],"version-history":[{"count":0,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/301075\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media\/301076"}],"wp:attachment":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media?parent=301075"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/categories?post=301075"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/tags?post=301075"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}