{"id":283744,"date":"2025-11-21T07:24:52","date_gmt":"2025-11-21T01:54:52","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=283744"},"modified":"2025-11-21T07:24:54","modified_gmt":"2025-11-21T01:54:54","slug":"what-is-smart-banking-and-why-it-matters","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/what-is-smart-banking-and-why-it-matters\/","title":{"rendered":"What Is Smart Banking and Why It Matters"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#defining-smart-banking-in-2025\">Defining Smart Banking in 2025<\/a><ul><\/ul><\/li><li><a href=\"#the-technology-behind-smart-banking\">The Technology Behind Smart Banking<\/a><ul><\/ul><\/li><li><a href=\"#why-smart-banking-matters-the-human-side-of-money\">Why Smart Banking Matters \u2014 The Human Side of Money<\/a><ul><\/ul><\/li><li><a href=\"#the-core-benefits-of-smart-banking\">The Core Benefits of Smart Banking<\/a><ul><\/ul><\/li><li><a href=\"#smart-banking-vs-traditional-banking-a-modern-comparison\">Smart Banking vs Traditional Banking \u2014 A Modern Comparison<\/a><\/li><li><a href=\"#the-future-of-smart-banking-from-tools-to-intelligent-ecosystems\">The Future of Smart Banking \u2014 From Tools to Intelligent Ecosystems<\/a><\/li><li><a href=\"#how-to-transition-toward-smart-banking\">How to Transition Toward Smart Banking<\/a><\/li><li><a href=\"#fa-qs-about-smart-banking\">FAQs About Smart Banking<\/a><ul><\/ul><\/li><li><a href=\"#conclusion-smarter-banking-for-a-smarter-life\">Conclusion \u2014 Smarter Banking for a Smarter Life<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>Banking has transformed from traditional branches and paper forms to mobile apps and instant payments. But while digital banking made money management faster, it didn\u2019t necessarily make it smarter. <a href=\"https:\/\/trybeem.com\/blog\/smart-banking-vs-traditional-banking-explained\/\" target=\"_blank\" data-type=\"post\" data-id=\"281347\" rel=\"noreferrer noopener\">Smart banking<\/a> represents the next leap \u2014 one where technology doesn\u2019t just process transactions but learns, adapts, and supports your financial decisions.<\/p>\n\n\n\n<p>By using AI, automation, and real-time data, smart banking helps people save, spend, and plan with less effort. It turns ordinary accounts into intelligent tools that anticipate needs, spot opportunities, and simplify everyday financial tasks. In an age where money moves quickly, smart banking gives users the clarity and control to keep up \u2014 and get ahead.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"defining-smart-banking-in-2025\"><strong>Defining Smart Banking in 2025<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"more-than-digital-banking-the-intelligent-layer\"><strong>More Than Digital Banking \u2014 The Intelligent Layer<\/strong><\/h3>\n\n\n\n<p>Smart banking builds on the foundations of digital banking but adds a crucial layer of intelligence. It\u2019s not limited to convenience \u2014 it\u2019s about comprehension. Instead of simply displaying your balance, it analyzes spending patterns, predicts future needs, and helps you make informed financial choices.<\/p>\n\n\n\n<p>Think of it as a personal financial assistant built directly into your <a href=\"https:\/\/trybeem.com\/blog\/online-banking-frauds\/\" target=\"_blank\" data-type=\"post\" data-id=\"216654\" rel=\"noreferrer noopener\">banking experience<\/a>. Smart banking platforms observe your behavior, detect trends, and make tailored recommendations. The goal isn\u2019t just to facilitate transactions but to enhance financial wellness by turning everyday data into meaningful insights.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"core-pillars-of-smart-banking\"><strong>Core Pillars of Smart Banking<\/strong><\/h3>\n\n\n\n<p>At its heart, smart banking stands on five essential pillars \u2014 automation, personalization, integration, accessibility, and security.<\/p>\n\n\n\n<p>Automation ensures routine financial actions like bill payments, savings transfers, or budgeting happen without manual effort. Personalization tailors every interaction to individual habits and goals. Integration merges different accounts, cards, and services into a unified view, while accessibility ensures this intelligence is available to everyone, anytime. Finally, robust security measures such as encryption and biometrics keep the system trustworthy.<\/p>\n\n\n\n<p>Together, these principles redefine how we engage with money \u2014 moving from reactive transactions to proactive financial management.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-technology-behind-smart-banking\"><strong>The Technology Behind Smart Banking<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"artificial-intelligence-and-machine-learning\"><strong>Artificial Intelligence and Machine Learning<\/strong><\/h3>\n\n\n\n<p>The driving force behind <a href=\"https:\/\/trybeem.com\/blog\/how-smart-banking-protects-against-fraud\/\" target=\"_blank\" data-type=\"post\" data-id=\"282999\" rel=\"noreferrer noopener\">smart banking is artificial intelligence<\/a> (AI). Through machine learning, these systems recognize behavior patterns \u2014 how you spend, when you pay bills, where you overspend \u2014 and adapt to offer guidance. AI doesn\u2019t just react; it anticipates.<\/p>\n\n\n\n<p>For example, an AI-driven bank might remind you when utility bills are due, recommend adjusting budgets after unusual spending, or suggest opportunities to save based on your habits. Over time, it refines these insights, creating a customized financial experience that evolves with you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"data-analytics-and-real-time-decisioning\"><strong>Data Analytics and Real-Time Decisioning<\/strong><\/h3>\n\n\n\n<p>Every transaction tells a story \u2014 not just of purchase, but of preference and need. Smart banking platforms analyze this continuous flow of data to help users make decisions in real time. They highlight where money is going, detect potential issues, and offer insights that keep finances healthy.<\/p>\n\n\n\n<p>This real-time decisioning empowers users to act at the right moment \u2014 before overspending happens, before balances run low, and before financial stress builds. It\u2019s proactive, not reactive.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"api-driven-banking-ecosystems\"><strong>API-Driven Banking Ecosystems<\/strong><\/h3>\n\n\n\n<p>Behind every modern financial platform lies an interconnected network of APIs \u2014 Application Programming Interfaces \u2014 that allow systems to communicate securely. This interconnectedness gives users the ability to link multiple accounts and services within a single smart banking interface.<\/p>\n\n\n\n<p>Through open banking and API integration, customers can now view all their financial activities in one place. This doesn\u2019t just improve convenience; it creates a complete financial picture that traditional banks rarely offered. Here&#8217;s info on <a href=\"https:\/\/trybeem.com\/blog\/smart-banking-secrets-for-freelancers\/\" target=\"_blank\" data-type=\"post\" data-id=\"283193\" rel=\"noreferrer noopener\">Smart Banking Secrets for Freelancers<\/a>. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"automation-through-smart-rules\"><strong>Automation Through Smart Rules<\/strong><\/h3>\n\n\n\n<p>One of the most empowering aspects of smart banking is automation through intelligent rules. Users can set conditions like \u201csave 5% of every paycheck\u201d or \u201calert me if I spend more than $200 this weekend.\u201d These rules evolve as the system learns from behavior.<\/p>\n\n\n\n<p>By automating small but essential decisions, smart banking reduces the risk of human error, encourages healthy financial habits, and allows users to focus on goals instead of administrative details.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why-smart-banking-matters-the-human-side-of-money\"><strong>Why Smart Banking Matters \u2014 The Human Side of Money<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"from-reactive-to-proactive-finance\"><strong>From Reactive to Proactive Finance<\/strong><\/h3>\n\n\n\n<p>Traditional banking models have always been reactive \u2014 users deposit, withdraw, and monitor accounts as needed. Smart banking changes that paradigm by forecasting what comes next.<\/p>\n\n\n\n<p>Instead of waiting for users to miss a payment or notice a drop in balance, smart systems anticipate these events and issue timely alerts. They help people stay a step ahead, turning financial management into an active, ongoing process that supports better decision-making.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"better-financial-wellness\"><strong>Better Financial Wellness<\/strong><\/h3>\n\n\n\n<p>Smart banking isn\u2019t about complexity; it\u2019s about simplicity backed by intelligence. By handling repetitive or analytical tasks automatically, it gives users mental space to focus on their long-term goals.<\/p>\n\n\n\n<p>Having access to predictive insights means fewer surprises \u2014 whether it\u2019s preventing overdrafts, optimizing savings, or <a href=\"https:\/\/trybeem.com\/blog\/money-planning-tips-for-engaged-couples\/\" target=\"_blank\" data-type=\"post\" data-id=\"283298\" rel=\"noreferrer noopener\">planning monthly expenses<\/a>. Over time, this leads to less financial stress and more confidence in managing money effectively.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"democratizing-financial-tools\"><strong>Democratizing Financial Tools<\/strong><\/h3>\n\n\n\n<p>Financial guidance used to be a luxury, available mostly through paid advisors. Smart banking changes that by embedding expert-level insights into everyday tools. AI and automation bring financial advice to the masses \u2014 accessible, understandable, and affordable.<\/p>\n\n\n\n<p>Now, anyone can receive spending analysis, saving tips, or personalized recommendations instantly, without needing professional consultation. It\u2019s financial empowerment built into technology.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"inclusion-and-accessibility\"><strong>Inclusion and Accessibility<\/strong><\/h3>\n\n\n\n<p>Smart banking is also a powerful equalizer. For those living paycheck to paycheck or managing irregular income, predictive systems can identify shortfalls in advance and help allocate funds more efficiently.<\/p>\n\n\n\n<p>By designing for accessibility, smart banking ensures financial tools are not just for the wealthy or tech-savvy but for everyone. That inclusivity is what makes it truly transformative.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/11\/Smart-Banking-2-1024x576.webp\" alt=\"\" class=\"wp-image-283752\" srcset=\"https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/11\/Smart-Banking-2-1024x576.webp 1024w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/11\/Smart-Banking-2-300x169.webp 300w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/11\/Smart-Banking-2-768x432.webp 768w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/11\/Smart-Banking-2-1536x864.webp 1536w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/11\/Smart-Banking-2.webp 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-core-benefits-of-smart-banking\"><strong>The Core Benefits of Smart Banking<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"smarter-cash-flow-management\"><strong>Smarter Cash Flow Management<\/strong><\/h3>\n\n\n\n<p>Smart banking provides an ongoing understanding of where money is going and where it needs to go. It can monitor recurring expenses, identify seasonal patterns, and alert users before cash flow becomes a problem.<\/p>\n\n\n\n<p>This helps create balance \u2014 ensuring there\u2019s always enough for essentials while still making progress toward savings goals. Over time, it encourages responsible spending and better financial discipline. Check out\u00a0<a href=\"https:\/\/trybeem.com\/budget-tracker-planner\" target=\"_blank\" rel=\"noreferrer noopener\">Beem<\/a>\u00a0for on-point financial insights and recommendations to spend, save, plan and protect your money like an expert.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"lower-financial-stress-and-errors\"><strong>Lower Financial Stress and Errors<\/strong><\/h3>\n\n\n\n<p>Manual tracking and spreadsheet budgeting often lead to mistakes or missed payments. Smart banking automates these functions, providing accurate records and reminders in real time.<\/p>\n\n\n\n<p>When tasks like bill payments, <a href=\"https:\/\/trybeem.com\/blog\/wedding-budgeting-and-saving-tips\/\" target=\"_blank\" data-type=\"post\" data-id=\"272630\" rel=\"noreferrer noopener\">budgeting<\/a>, and expense categorization run automatically, financial management becomes less stressful and far more reliable. Users feel in control without the constant manual effort.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"improved-savings-outcomes\"><strong>Improved Savings Outcomes<\/strong><\/h3>\n\n\n\n<p>Smart banking doesn\u2019t just make saving easier \u2014 it makes it automatic. AI-based systems can identify small amounts that can be safely set aside and transfer them to savings without affecting daily comfort.<\/p>\n\n\n\n<p>By transforming saving into an effortless process, smart banking helps users consistently build reserves, strengthening their long-term stability.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"building-financial-resilience\"><strong>Building Financial Resilience<\/strong><\/h3>\n\n\n\n<p>Perhaps the greatest value of smart banking is its contribution to financial resilience. When life throws unexpected expenses \u2014 a car repair, a medical bill, or a delayed paycheck \u2014 <a href=\"https:\/\/trybeem.com\/blog\/how-smart-banking-helps-track-expenses\/\" target=\"_blank\" data-type=\"post\" data-id=\"281374\" rel=\"noreferrer noopener\">smart banking tools<\/a> can help cushion the impact through timely insights, recommendations, or short-term liquidity options.<\/p>\n\n\n\n<p>This resilience helps users recover faster and stay financially stable even in uncertain times.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"smart-banking-vs-traditional-banking-a-modern-comparison\"><strong>Smart Banking vs Traditional Banking \u2014 A Modern Comparison<\/strong><\/h2>\n\n\n\n<p>Traditional banks were built for storage and security; smart banking is built for insight and empowerment. The two models serve very different roles in the modern financial ecosystem.<\/p>\n\n\n\n<p>Traditional banking still focuses on transactions \u2014 deposits, withdrawals, and basic customer service. Smart banking, however, emphasizes intelligence and interactivity. It provides continuous support through analytics and automation, acting as a financial partner rather than a static institution.<\/p>\n\n\n\n<p>The shift from \u201cwhat you have\u201d to \u201chow you use it\u201d defines the difference. Smart banking recognizes that wealth isn\u2019t just about income \u2014 it\u2019s about understanding, foresight, and making informed choices daily.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-future-of-smart-banking-from-tools-to-intelligent-ecosystems\"><strong>The Future of Smart Banking \u2014 From Tools to Intelligent Ecosystems<\/strong><\/h2>\n\n\n\n<p>The future of smart banking is moving beyond simple automation. Emerging technologies like generative AI, predictive modeling, and blockchain integration will make financial systems even more intuitive and secure.<\/p>\n\n\n\n<p>In the near future, <a href=\"https:\/\/trybeem.com\/blog\/top-smart-banking-apps-for-everyday-users\/\" target=\"_blank\" data-type=\"post\" data-id=\"282985\" rel=\"noreferrer noopener\">banking apps<\/a> will function more like personalized intelligence networks \u2014 capable of understanding your lifestyle, anticipating your needs, and taking action automatically. They will merge payments, budgeting, investments, and protection into seamless, data-driven experiences.<\/p>\n\n\n\n<p>Security will remain a top priority. As financial platforms grow more intelligent, they must also remain transparent about how data is used. Ethical AI design and encryption will define the most trusted institutions of tomorrow.<\/p>\n\n\n\n<p>Ultimately, the next decade of smart banking will focus on one thing \u2014 <em>financial empowerment through simplicity<\/em>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-transition-toward-smart-banking\"><strong>How to Transition Toward Smart Banking<\/strong><\/h2>\n\n\n\n<p>Transitioning to smart banking doesn\u2019t require changing your bank overnight. It begins with adopting smarter habits and exploring tools that make financial life easier.<\/p>\n\n\n\n<p>Start by linking your existing accounts to platforms that offer insights or automation. Set small rules \u2014 like automated bill payments or round-up savings \u2014 and gradually let technology handle more of your routine tasks.<\/p>\n\n\n\n<p>As you grow comfortable, expand your use of predictive analytics and AI-based budgeting tools. The more you interact with these systems, the smarter they become \u2014 learning from your habits to create a personalized experience.<\/p>\n\n\n\n<p>Smart banking is not about surrendering control but about amplifying it. It gives you the tools to act faster, plan better, and build long-term security with less effort. Download the <a href=\"https:\/\/apps.apple.com\/us\/app\/beem-better-than-cash-advance\/id1525101476?ppid=204bcd1e-a277-4583-b905-25f0b84b2e0a\" target=\"_blank\" rel=\"noreferrer noopener\">Beem<\/a> app today!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fa-qs-about-smart-banking\"><strong>FAQs About Smart Banking<\/strong><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1763687923449\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is smart banking in simple terms?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Smart banking uses technology like AI and automation to make financial management proactive. It analyzes your habits, predicts your needs, and helps you save and spend wisely without constant manual tracking.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1763687924495\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How is smart banking different from online banking?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Online banking provides access; smart banking provides intelligence. While online banking lets you move money, smart banking helps you understand and optimize how you use it.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1763688204792\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Is smart banking safe?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes. Smart banking platforms use strong encryption, secure servers, and biometric authentication. Reputable providers also follow strict data privacy policies to keep user information protected.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1763688214210\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Can smart banking help me save automatically?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Absolutely. Many smart banking systems use algorithms to detect when you can safely move small amounts into savings. Over time, this builds a cushion without you noticing the difference.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1763688223061\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Who benefits most from smart banking?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Everyone can benefit \u2014 but especially people managing multiple expenses, irregular income, or financial goals. Smart banking simplifies complex money tasks and offers insights to keep users on track.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion-smarter-banking-for-a-smarter-life\"><strong>Conclusion \u2014 Smarter Banking for a Smarter Life<\/strong><\/h2>\n\n\n\n<p>Smart banking is redefining the relationship between people and money. It transforms technology into a trusted partner that learns, adapts, and grows with you \u2014 helping you make decisions that lead to financial confidence, not confusion.<\/p>\n\n\n\n<p>As innovation continues, platforms like <strong><a href=\"https:\/\/apps.apple.com\/us\/app\/beem-better-than-cash-advance\/id1525101476?ppid=204bcd1e-a277-4583-b905-25f0b84b2e0a\" target=\"_blank\" rel=\"noreferrer noopener\">Beem<\/a><\/strong> exemplify this new era of intelligent, people-first banking \u2014 where insights, automation, and access come together to make money management effortless.<\/p>\n\n\n\n<p>In the end, smart banking matters because it doesn\u2019t just change how we bank; it changes how we <em>live<\/em>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banking has transformed from traditional branches and paper forms to mobile apps and instant payments. But while digital banking made money management faster, it didn\u2019t necessarily make it smarter. Smart banking represents the next leap \u2014 one where technology doesn\u2019t just process transactions but learns, adapts, and supports your financial decisions. By using AI, automation, [&hellip;]<\/p>\n","protected":false},"author":80,"featured_media":283751,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2310],"tags":[4790,18250,109,217,17794,7215,18249],"edited-by":[],"class_list":["post-283744","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","tag-beem","tag-digital-banking","tag-financial-stress","tag-savings","tag-smart-banking","tag-traditional-banking","tag-what-is-smart-banking-and-why-it-matters"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/283744","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=283744"}],"version-history":[{"count":8,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/283744\/revisions"}],"predecessor-version":[{"id":283754,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/283744\/revisions\/283754"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/283751"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=283744"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=283744"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=283744"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=283744"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}