{"id":2704,"date":"2016-07-18T12:13:55","date_gmt":"2016-07-18T12:13:55","guid":{"rendered":"https:\/\/insights.invyo.io\/europe\/?p=2704"},"modified":"2019-07-30T13:55:36","modified_gmt":"2019-07-30T13:55:36","slug":"pokemongo-catching-up-on-what-it-means-for-the-finserv-industry","status":"publish","type":"post","link":"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/","title":{"rendered":"#PokemonGo &#8211; Catching up on what it means for The FinServ Industry"},"content":{"rendered":"<p style=\"text-align: justify;\">Pokemon Go just went live and what a start!\u00a0<a href=\"http:\/\/qz.com\/729935\/pokemon-go-is-making-1-6-million-each-day-in-the-us-from-ios-users-paying-for-silly-virtual-goods\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"broken_link\"><strong>US$1.6 million spent<\/strong><\/a>\u00a0in the US in the first day, only\u00a0<a href=\"http:\/\/qz.com\/729935\/pokemon-go-is-making-1-6-million-each-day-in-the-us-from-ios-users-paying-for-silly-virtual-goods\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"broken_link\"><strong>14 hours to become #1 in the App Store<\/strong><\/a>\u00a0and it has already been installed\u00a0<strong><a href=\"http:\/\/thefinancialbrand.com\/59873\/banking-mobile-social-pokemon-go-app-engagement\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"broken_link\">more times than Tinder.\u00a0<\/a><\/strong>The immediate success of Pokemon Go has increased Nintendo&#8217;s\u00a0<a href=\"https:\/\/www.google.com.hk\/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=newssearch&amp;cd=1&amp;cad=rja&amp;uact=8&amp;ved=0ahUKEwiv3rLX9_nNAhXDGZQKHfNpDHcQu4gBCBwoAjAA&amp;url=http%3A%2F%2Fwww.forbes.com%2Fsites%2Flaurengensler%2F2016%2F07%2F11%2Fnintendo-stock-huge-boost-mobile-pokemon-go%2F&amp;usg=AFQjCNGKhSWAz-Fs0MyqvrBYmDVUQ_4fVA\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><strong>stock price by 50%<\/strong><\/a>,\u00a0however, the long-term revenues are being\u00a0<a href=\"http:\/\/www.fool.com\/investing\/2016\/07\/14\/pokemon-go-doesnt-make-nintendo-stock-a-buy.aspx\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><strong>challenged by analyst<\/strong><\/a>s\u00a0and people now point out that\u00a0<strong><a href=\"http:\/\/uk.businessinsider.com\/apple-could-make-more-money-from-pokemon-go-than-nintendo-2016-7\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"broken_link\">Apple takes 30% cut from in-app purchase<\/a><\/strong><strong>s\u00a0<\/strong>(or US$480&#8217;000 of the US sales)\u00a0and that\u00a0<a href=\"http:\/\/www.marketwatch.com\/story\/why-pokemon-go-could-be-a-big-win-for-google-2016-07-11\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><strong>Google invested in Niantic<\/strong><\/a>, the company behind the game using Nintendo&#8217;s franchise.<\/p>\n<p style=\"text-align: justify;\">This is just the beginning as the sequenced global roll out has been <a href=\"http:\/\/www.independent.co.uk\/life-style\/gadgets-and-tech\/gaming\/pokemon-go-down-servers-crash-nintendo-millions-try-access-game-a7140691.html#gallery\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><strong>slowed down by servers crashing<\/strong><\/a>,\u00a0leaving\u00a0<a href=\"http:\/\/www.scmp.com\/lifestyle\/article\/1989822\/6-places-hong-kong-where-youll-likely-catch-pokemon-when-pokemon-go-live\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><strong>people in Hong Kong imagining<\/strong><\/a>\u00a0where they would be able to catch them all. Beyond this\u00a0<strong>headline news<\/strong>\u00a0that we all know, there is a chance to look\u00a0at Pokemon Go from a fresh perspective. Indeed, the game (or the hype behind it) creates opportunities and challenges found at the nexus of Finance, Insurance, Privacy and Regulation. This article will therefore look at the following:<\/p>\n<ul style=\"text-align: justify;\">\n<li><strong><em>Finance<\/em><\/strong>: How Augmented Reality Turns a Virtual Game into Real Cash?<\/li>\n<li><strong><em>Insurance<\/em><\/strong>: Why you shouldn\u2019t #PokemonGo and Drive?<\/li>\n<li><strong><em>Privacy<\/em><\/strong>: When Telling me where you are Tells me who you can Catch?<\/li>\n<li><strong><em>Regulation<\/em><\/strong>: How a Child\u2019s Game Broke its Sandbox?<\/li>\n<\/ul>\n<h4 style=\"text-align: justify;\"><strong>Pokemon 101:\u00a0Old <span class=\"underline\">Brand<\/span>, Same Principle &amp; New Format<\/strong><\/h4>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_pokemongo-fintech_janos-barberis.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-2723 size-medium\" src=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_pokemongo-fintech_janos-barberis-300x200.jpg\" alt=\"Techfoliance_pokemongo-fintech_janos barberis\" width=\"300\" height=\"200\" srcset=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_pokemongo-fintech_janos-barberis-300x200.jpg 300w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_pokemongo-fintech_janos-barberis.jpg 400w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p style=\"text-align: justify;\">First things first, Pokemon was co-created in 1995 by\u00a0Ken Sugimori and &amp;\u00a0Satoshi Tajiri (not to be mistaken by\u00a0<a href=\"http:\/\/www.coindesk.com\/information\/who-is-satoshi-nakamoto\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"broken_link\">Satoshi Nakamoto<\/a>\u00a0the alleged,\u00a0<a href=\"http:\/\/www.bbc.com\/news\/technology-36168863\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">but contested<\/a>, creator of Bitcoin). I still remember how when I was eight years old I would trade cards in school or pull out my Gameboy for a bit of 1-Vs-1 (hint: my favorite Pokemon was\u00a0<a href=\"http:\/\/pokemondb.net\/pokedex\/blastoise\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Blastoise<\/a>).<\/p>\n<p style=\"text-align: justify;\">As a result,\u00a0there is\u00a0a strong and strange nostalgia pushing me to play Pokemon Go. Pokemon is a brand that I know and even if I never followed the subsequent\u00a0<a href=\"http:\/\/edition.cnn.com\/videos\/cnnmoney\/2016\/07\/15\/pokemon-evolution-cnnmoney.cnn\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><strong>evolution of the franchise (1998 &#8211; 2016)<\/strong><\/a>, I want to get on board a (re)play the game. I started to read and watch a few dozen videos (this is the <strong><a href=\"https:\/\/www.youtube.com\/user\/CraftBattleDuty\" target=\"_blank\" rel=\"noopener noreferrer\">best YouTube gaming channel<\/a><\/strong> for Pokemon Go, with approx. 2million daily views). This link between myself and the franchise is priming a behavior that would make me more likely to download and use, but perhaps not to the stage that I trust more this <strong>tech brand as a bank to manage my money.<\/strong><\/p>\n<h4 style=\"text-align: justify;\"><strong>Finance: How Augmented Reality Turns a Virtual Game into Real Cash?<\/strong><\/h4>\n<p style=\"text-align: justify;\">Whilst I won\u2019t give a <strong><a href=\"http:\/\/qz.com\/731057\/the-ultimate-guide-to-pokemon-go\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"broken_link\">step-by-step guide<\/a><\/strong> on how to play Pokemon Go, there are two features to know in order to understand how businesses are driving footfall and increasing (real) cash revenues. First \u201cPokeStops\u201d are pre-determined locations where \u201ctrainers\u201d can get free items. However, since the game is location-based, trainers need to be within a close radius of the Pokestop to get the items. The opportunity, or problem, is that certain locations become suddenly popular as players converge towards them for free goods. For example, the <strong><a href=\"http:\/\/www.bbc.com\/news\/uk-36806795\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">church of England has now applied<\/a><\/strong> to become an official \u201cPokestop\u201d but so was <strong><a href=\"http:\/\/www.news18.com\/news\/tech\/home-to-sex-offenders-becomes-a-pokestop-1269340.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"broken_link\">the house of an ex-sex offender.<\/a><\/strong><\/p>\n<p style=\"text-align: justify;\">Since Pokestops are pre-determined (<strong><a href=\"http:\/\/www.gamespot.com\/articles\/heres-how-to-request-new-pokemon-go-pokestops-and-\/1100-6441822\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"broken_link\">for now, eventually people can apply here<\/a><\/strong>), shop owners can bring people in by purchasing \u201clures\u201d, which will attract Pokemon near the area for a limited time, in turn attracting players and therefore potential consumers. Like most freemium games, lures are paid add-ons to be purchased with \u201cPokeCoins\u201d using real cash. Buying 14\u2019500 PokeCoins will cost you a real US$100, since lures only work for 1h, <strong><a href=\"https:\/\/www.ecwid.com\/how-to-make-money-off-the-pockemon-go-craze.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">it will cost a business US$1.19\/hour to attract potential consumers<\/a> <\/strong>to their shop whilst they play their virtual game.<\/p>\n<p style=\"text-align: justify;\">Banks have understood the value of increasing footfall, <strong><a href=\"http:\/\/uk.reuters.com\/article\/uk-britain-banks-branches-idUKKCN0X31OH\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">in the ever diminishing branch network<\/a>. <\/strong>Avidia Bank, in the US, has spotted the opportunity and already started to communicate on social media about it.<\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_pokemongo_fintech_janos-barberis_gamification-of-finance.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-2725 size-medium\" src=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_pokemongo_fintech_janos-barberis_gamification-of-finance-300x248.png\" alt=\"Techfoliance_pokemongo_fintech_janos barberis_gamification of finance\" width=\"300\" height=\"248\" srcset=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_pokemongo_fintech_janos-barberis_gamification-of-finance-300x248.png 300w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_pokemongo_fintech_janos-barberis_gamification-of-finance.png 525w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\">However, the application of augmented reality within banking apps is not new. In 2010, Common Wealth Bank in Australia introduced an app where by simply pointing the phone\u2019s camera to the house you wish to buy, it would overlay pricing information and the terms of mortgage. <a href=\"https:\/\/www.youtube.com\/watch?v=o9T9crNMB_w\" target=\"_blank\" rel=\"noopener noreferrer\">This video here shows a demo<\/a>, but also gives interesting stats: 117,246 downloads in 24 weeks, 1.2 million properties searched and 109% return on marketing costs. Of course, comparatively to Pokemon Go, the above is negligible. However, the long-term impact is that Augmented Reality is gradually becoming part of people\u2019s daily habits. Indeed, <strong><a href=\"https:\/\/techcrunch.com\/2016\/07\/13\/pokemon-go-tops-twitters-daily-users-sees-more-engagement-than-facebook\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Pokemon Go is used 33 min\/day per user (ss 22m for Facebook and 18m for SnapChat<\/a><\/strong>). In other words, banks should think of the following sentence: \u201cteach me how to use Pokemon Go and I will show you how to buy your next house via your phone.\u201d<\/p>\n<h4 style=\"text-align: justify;\"><strong>Insurance: #Don\u2019t PokemonGo and Drive<\/strong><\/h4>\n<p style=\"text-align: justify;\">By getting millions out in the streets (<strong><a href=\"http:\/\/www.independent.co.uk\/news\/world\/americas\/pokemon-go-video-central-park-vaporeon-rare-running-new-york-a7140801.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">watch mayhem in New York as rare Pok\u00e9mon got spotted<\/a><\/strong>) Pok\u00e9mon Go has already made headlines. People found <strong>dead bodies<\/strong>,<strong><a href=\"http:\/\/fortune.com\/2016\/07\/14\/pokemon-trespass\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">trespassing<\/a> <\/strong>is increasing, phone <strong>theft<\/strong> reported and even <strong><a href=\"http:\/\/edition.cnn.com\/2016\/07\/15\/health\/pokemon-go-players-fall-down-cliff\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">two men fell off a cliff.<\/a>\u00a0<\/strong>Irrespective of whether the reported stories are true or <strong><a href=\"https:\/\/www.washingtonpost.com\/news\/the-intersect\/wp\/2016\/07\/11\/dont-fall-for-these-dumb-pokemon-go-hoaxes\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"broken_link\">hoaxes, <\/a><\/strong>what is interesting is looking at the T&amp;Cs of the app:<\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_janos-barberis_pokemongo-et-finserv_regtech.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-2726 size-full\" src=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_janos-barberis_pokemongo-et-finserv_regtech.png\" alt=\"Techfoliance_janos barberis_pokemongo et finserv_regtech\" width=\"637\" height=\"119\" srcset=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_janos-barberis_pokemongo-et-finserv_regtech.png 637w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_janos-barberis_pokemongo-et-finserv_regtech-300x56.png 300w\" sizes=\"(max-width: 637px) 100vw, 637px\" \/><\/a><\/p>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\">Most likely, <strong><a href=\"https:\/\/www.theguardian.com\/money\/2011\/may\/11\/terms-conditions-small-print-big-problems\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">you are one of the 93% of people not reading T&amp;Cs<\/a> <\/strong>and the insurance industry has got you covered. The above picture makes clear that it is your responsibility to have the adequate policies. Waiving liability this way by simply transferring it on the consumers feels reasonable, however, it won\u2019t always work.<\/p>\n<p style=\"text-align: justify;\">If in doubt, once you (or your kid\u2026) installs the app, make sure that you have the right:\u00a0<strong><a href=\"http:\/\/www.iii.org\/article\/what-covered-standard-homeowners-policy\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Home Insurance<\/a><\/strong> (e.g. for theft), <strong><a href=\"http:\/\/www.iii.org\/article\/what-covered-basic-auto-insurance-policy\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Motor Insurance<\/a><\/strong> (e.g. If you hit a (real) Pok\u00e9mon Trainer, <strong><a href=\"http:\/\/www.iii.org\/article\/identity-theft-insurance\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Identity Theft protection<\/a><\/strong> (e.g. start credit scoring on the back of your Pokedex). Perhaps Nintendo should go in the InsurTech world and sell an \u201call-in-one PokeCare Plan\u201d as they have the data to check where, when and who is <strong><a href=\"http:\/\/www.theverge.com\/2016\/7\/6\/12106892\/pokemon-go-police-station-facebook-page\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">going in unauthorized places<\/a><\/strong>. This might not be an ill-advised move, especially since the <strong><a href=\"http:\/\/www.insurancejournal.com\/news\/international\/2016\/04\/27\/406629.htm\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">InsurTech industry grew 237%, reaching US$2.6 billion in 2015<\/a><\/strong>.<\/p>\n<h4 style=\"text-align: justify;\"><strong>Privacy: Tell me where you are and I will tell you who you can catch<\/strong><\/h4>\n<p style=\"text-align: justify;\">On top of the augmented reality of Pok\u00e9mon Go, the app uses your location (and time) to adapt the types of Pok\u00e9mon you can catch. For example, being near a lake will\u00a0<strong><a href=\"http:\/\/www.vox.com\/2016\/7\/11\/12129162\/pokemon-go-android-ios-game\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">enhance your chances of getting a water type Pok\u00e9mon<\/a><\/strong>. However, like every technology, not everything is perfect and some GPS accuracy creates some graphic scenes:<\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_janos-barberis_pokemongo_fintech.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-2727 size-medium\" src=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_janos-barberis_pokemongo_fintech-300x178.png\" alt=\"Techfoliance_janos barberis_pokemongo_fintech\" width=\"300\" height=\"178\" srcset=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_janos-barberis_pokemongo_fintech-300x178.png 300w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_janos-barberis_pokemongo_fintech-700x416.png 700w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_janos-barberis_pokemongo_fintech.png 757w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\">More seriously, the app raises <strong><a href=\"http:\/\/www.theinquirer.net\/inquirer\/opinion\/2465022\/pokemon-go-data-mining-highlights-the-publics-indifference-to-privacy\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">important data privacy questions<\/a><\/strong> as well as an illustration of how, if done right, consumers are willing to <strong><a href=\"http:\/\/www.ibmbigdatahub.com\/blog\/value-exchange-consumer-insight-data-privacy-banking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">enter into a value exchange<\/a><\/strong> between their data and a firm\u2019s products or services. The app requires a constant GPS signal to work, meaning that at any given time it will know where you are. Questions about how long and why that data is stored are emerging.<\/p>\n<p style=\"text-align: justify;\">Most recently, Google opened up all the data it holds on us, by making <strong><a href=\"http:\/\/www.wsj.com\/articles\/how-to-use-googles-new-my-activity-privacy-tool-1467402973\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">My Activity Page available<\/a><\/strong>. Within minutes you see all the location data that google has, your watched YouTube history, but also the recordings of <strong><a href=\"http:\/\/www.cnet.com\/how-to\/everything-you-need-to-know-about-googles-my-activity-page\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">your voice and audio activity<\/a><\/strong> if you use the voice control function. If unsettling, (visualizing that Google knows you more than yourself, tracing back details that are over 5 years old\u2026), Google\u2019s push is welcomed as it enhances the concept around data sovereignty, which is favored by\u00a0<strong><a href=\"http:\/\/ec.europa.eu\/justice\/data-protection\/reform\/index_en.htm\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"broken_link\">the\u00a0EU\u00a0General\u00a0Data Protection\u00a0Regulation<\/a><\/strong> and <strong>Blockchain use cases<\/strong>.<\/p>\n<p style=\"text-align: justify;\">Yet, the bottom line is that we users, are having our information (data) and our context (meta-data) consistently mined by apps and companies. While not suggesting that we should go against this trend where<strong><a href=\"https:\/\/www.linkedin.com\/pulse\/from-fintech-techfin-data-new-oil-janos-barberis?trk=prof-post\" target=\"_blank\" rel=\"noopener noreferrer\"> Data is the New Oil<\/a><\/strong>, the need for a better understanding of the (un)intended consequences of consumers\u2019 data aggregation is clear.<\/p>\n<h4 style=\"text-align: justify;\"><strong>Regulation: The child\u2019s game that broke the sandbox?<\/strong><\/h4>\n<p style=\"text-align: justify;\">The meteoric rise of Pok\u00e9mon Go has also demonstrated the limits of controlling growth in an era of social media buzz and virality. In less than a week <strong><a href=\"http:\/\/www.recode.net\/2016\/7\/13\/12181614\/pokemon-go-number-active-users\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"broken_link\">Pok\u00e9mon Go had over 9.5 million users<\/a><\/strong>. Technological availability, like the mobile phone, which marks\u00a0<strong><a href=\"https:\/\/www.linkedin.com\/pulse\/from-fintech-techfin-data-new-oil-janos-barberis?trk=prof-post\" target=\"_blank\" rel=\"noopener noreferrer\">consumers\u2019 entry into the 4th industrial revolution<\/a><\/strong>, has radically changed the speed of penetration for new products and <strong><a href=\"http:\/\/www.businessinsider.com\/one-million-users-startups-2012-1?op=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">start-up growth<\/a><\/strong>. Indeed, it took <strong><a href=\"http:\/\/blogs.wsj.com\/economics\/2015\/03\/13\/it-took-the-telephone-75-years-to-do-what-angry-birds-did-in-35-days-but-what-does-that-mean\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">35 days for Angry Bird to do what the telephone did in 75 years<\/a><\/strong>.<\/p>\n<p style=\"text-align: justify;\">It is fair to say that Pok\u00e9mon Go is at this stage still an experiment, with a lot of features\u00a0<strong><a href=\"http:\/\/bgr.com\/2016\/07\/15\/pokemon-go-trading-nfc\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"broken_link\">yet to be released<\/a><\/strong>. Recent reports that it is <strong><a href=\"https:\/\/www.engadget.com\/2016\/07\/15\/dont-believe-the-pokemon-go-privacy-hype\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"broken_link\">misusing<\/a><\/strong> consumers\u2019 data (e.g. location, gmail integration, etc.) to test a new business model raises questions about one of the purposes of a regulatory sandbox, namely the access to <strong><a href=\"https:\/\/www.finextra.com\/newsarticle\/28109\/fca-invites-businesses-to-play-in-its-regulatory-sandbox\/risk\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"broken_link\">\u201craw consumer data\u201d<\/a><\/strong>. Certainly, the submission process to join the sandbox, covers an in-depth due-diligence procedure on what and how data will be used in order to understand the competitive add-value and maintain consumer protection.<\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_pokemongo_fintech.png\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-2729 size-medium alignright\" src=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_pokemongo_fintech-237x300.png\" alt=\"Techfoliance_pokemongo_fintech\" width=\"237\" height=\"300\" srcset=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_pokemongo_fintech-237x300.png 237w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_pokemongo_fintech.png 323w\" sizes=\"(max-width: 237px) 100vw, 237px\" \/><\/a><\/p>\n<p style=\"text-align: justify;\">However, what is not clear to me is to what extent the \u201cexit\u201d from the sandbox has been considered by regulators. Pok\u00e9mon Go has gone from <strong><a target=\"_blank\" rel=\"nofollow noopener noreferrer\">\u201cto-small-to-care\u201d to \u201ctoo-big-to-fail<\/a>\u201d<\/strong> quite literally overnight. In practice, this challenges the capacity of regulators to exactly pinpoint <em>when<\/em> a firm <strong><a href=\"http:\/\/www.bloomberg.com\/news\/articles\/2016-04-13\/singapore-to-regulate-fintech-firms-only-when-they-pose-risks\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"broken_link\">creates sufficient market risk to justify its supervision\/regulation<\/a>,<\/strong> and even removal of the sandbox. Furthermore, should market risk be defined by number of consumers (e.g. <strong><a href=\"https:\/\/techcrunch.com\/2016\/07\/15\/pokemon-gos-retention-rates-average-revenue-per-user-are-double-the-industry-average\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">10m in 1 week<\/a><\/strong>), bugs on the products (e.g. <strong><a href=\"https:\/\/www.google.com.hk\/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=3&amp;cad=rja&amp;uact=8&amp;ved=0ahUKEwjl8ICJi_rNAhUGsJQKHevuDWkQqQIIKjAC&amp;url=http%3A%2F%2Fwww.forbes.com%2Fsites%2Fdavidthier%2F2016%2F07%2F14%2Fpokemon-go-my-phone-keeps-crashing-when-i-catch-a-pokemon%2F&amp;usg=AFQjCNFoDRsn5r2m-S-sXiEwF3I6lF2www\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">app freeze<\/a><\/strong>) or external hacks (e.g. <strong><a href=\"http:\/\/www.independent.co.uk\/life-style\/gadgets-and-tech\/gaming\/pokemon-go-down-servers-ddos-attack-hackers-poodlecorp-game-unavailable-a7140811.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">DDOS attack<\/a><\/strong>)? In practice, I therefore question if regulators ever considered how to make a start-up \u201csafe-to-fail\u201d within its sandbox environment, especially <strong><a href=\"http:\/\/www.forbes.com\/sites\/neilpatel\/2015\/01\/16\/90-of-startups-will-fail-heres-what-you-need-to-know-about-the-10\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">as we all know that over 90% of start-ups do fail<\/a><\/strong>. Certainly, this is an open question as regulatory sandboxes are themselves being piloted in four countries to date and we can expect future updates as these go live.<\/p>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\">Alright, enough reading and now go out and catch \u2018em all! But also let\u2019s remember that sometimes there are other more important problems to analyses and fix. Indeed, it was mentioned that Silicon Valley should stop solving for: \u00a0<strong><a href=\"http:\/\/www.newsweek.com\/2015\/11\/20\/silicon-valley-working-replace-mothers-391794.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"broken_link\">What is my\u00a0mother\u00a0no longer doing for me?<\/a><\/strong>, but instead how they can have a bigger impact in the world.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pokemon Go just went live and what a start!\u00a0US$1.6 million spent\u00a0in the US in the first day, only\u00a014 hours to become #1 in the App Store\u00a0and it has already been installed\u00a0more times than Tinder.\u00a0The immediate success of Pokemon Go has increased Nintendo&#8217;s\u00a0stock price by 50%,\u00a0however, the long-term revenues are being\u00a0challenged by analysts\u00a0and people now point [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":2732,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[551],"tags":[4,877,389,878,448,806,876,809],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>#PokemonGo - Catching up on what it means for The FinServ Industry - INVYO Insights Europe : Media Fintech<\/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:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"#PokemonGo - Catching up on what it means for The FinServ Industry - INVYO Insights Europe : Media Fintech\" \/>\n<meta property=\"og:description\" content=\"Pokemon Go just went live and what a start!\u00a0US$1.6 million spent\u00a0in the US in the first day, only\u00a014 hours to become #1 in the App Store\u00a0and it has already been installed\u00a0more times than Tinder.\u00a0The immediate success of Pokemon Go has increased Nintendo&#8217;s\u00a0stock price by 50%,\u00a0however, the long-term revenues are being\u00a0challenged by analysts\u00a0and people now point [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/\" \/>\n<meta property=\"og:site_name\" content=\"INVYO Insights Europe\" \/>\n<meta property=\"article:published_time\" content=\"2016-07-18T12:13:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-07-30T13:55:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_janos-barberis_finserv-and-pokemonGo.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"660\" \/>\n\t<meta property=\"og:image:height\" content=\"378\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Janos Barberis\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Janos Barberis\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/\"},\"author\":{\"name\":\"Janos Barberis\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/#\/schema\/person\/80bf3221f7745e850a227bd1089dbd45\"},\"headline\":\"#PokemonGo &#8211; Catching up on what it means for The FinServ Industry\",\"datePublished\":\"2016-07-18T12:13:55+00:00\",\"dateModified\":\"2019-07-30T13:55:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/\"},\"wordCount\":1710,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/insights.invyo.io\/europe\/#organization\"},\"keywords\":[\"finance\",\"Finserv\",\"game\",\"Gamification\",\"insurtech\",\"Janos Barberis\",\"PokemonGo\",\"RegTech\"],\"articleSection\":[\"Analyses\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/\",\"url\":\"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/\",\"name\":\"#PokemonGo - Catching up on what it means for The FinServ Industry - INVYO Insights Europe : Media Fintech\",\"isPartOf\":{\"@id\":\"https:\/\/insights.invyo.io\/europe\/#website\"},\"datePublished\":\"2016-07-18T12:13:55+00:00\",\"dateModified\":\"2019-07-30T13:55:36+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/insights.invyo.io\/europe\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"#PokemonGo &#8211; Catching up on what it means for The FinServ Industry\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/#website\",\"url\":\"https:\/\/insights.invyo.io\/europe\/\",\"name\":\"INVYO Insights Europe\",\"description\":\"Media Fintech\",\"publisher\":{\"@id\":\"https:\/\/insights.invyo.io\/europe\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/insights.invyo.io\/europe\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/#organization\",\"name\":\"INVYO\",\"url\":\"https:\/\/insights.invyo.io\/europe\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2019\/01\/logo-invyo-insights-dark.svg\",\"contentUrl\":\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2019\/01\/logo-invyo-insights-dark.svg\",\"caption\":\"INVYO\"},\"image\":{\"@id\":\"https:\/\/insights.invyo.io\/europe\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/#\/schema\/person\/80bf3221f7745e850a227bd1089dbd45\",\"name\":\"Janos Barberis\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/02\/Techfoliance_janos-barberis-150x150.jpg\",\"contentUrl\":\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/02\/Techfoliance_janos-barberis-150x150.jpg\",\"caption\":\"Janos Barberis\"},\"description\":\"Janos Barberis is a Millennial in FinTech, recognized as a top-35 global FinTech leader. His expertise is focused on the new regulatory considerations raised by the development of FinTech. With a passion to drive change, he founded FinTech HK, a thought leadership platform, and the SuperCharger - a FinTech Accelerator that strategically leverages on Hong Kong as a gateway to Asia. In parallel, he sits on the advisory board of the World Economic Forum's FinTech Committee and is a PhD Candidate at Hong Kong University Law School.\",\"sameAs\":[\"http:\/\/www.fintechsupercharger.com\/\"],\"url\":\"https:\/\/insights.invyo.io\/europe\/author\/janos-barberis\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"#PokemonGo - Catching up on what it means for The FinServ Industry - INVYO Insights Europe : Media Fintech","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:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/","og_locale":"en_US","og_type":"article","og_title":"#PokemonGo - Catching up on what it means for The FinServ Industry - INVYO Insights Europe : Media Fintech","og_description":"Pokemon Go just went live and what a start!\u00a0US$1.6 million spent\u00a0in the US in the first day, only\u00a014 hours to become #1 in the App Store\u00a0and it has already been installed\u00a0more times than Tinder.\u00a0The immediate success of Pokemon Go has increased Nintendo&#8217;s\u00a0stock price by 50%,\u00a0however, the long-term revenues are being\u00a0challenged by analysts\u00a0and people now point [&hellip;]","og_url":"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/","og_site_name":"INVYO Insights Europe","article_published_time":"2016-07-18T12:13:55+00:00","article_modified_time":"2019-07-30T13:55:36+00:00","og_image":[{"width":660,"height":378,"url":"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/07\/Techfoliance_janos-barberis_finserv-and-pokemonGo.jpg","type":"image\/jpeg"}],"author":"Janos Barberis","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Janos Barberis","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/#article","isPartOf":{"@id":"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/"},"author":{"name":"Janos Barberis","@id":"https:\/\/insights.invyo.io\/europe\/#\/schema\/person\/80bf3221f7745e850a227bd1089dbd45"},"headline":"#PokemonGo &#8211; Catching up on what it means for The FinServ Industry","datePublished":"2016-07-18T12:13:55+00:00","dateModified":"2019-07-30T13:55:36+00:00","mainEntityOfPage":{"@id":"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/"},"wordCount":1710,"commentCount":0,"publisher":{"@id":"https:\/\/insights.invyo.io\/europe\/#organization"},"keywords":["finance","Finserv","game","Gamification","insurtech","Janos Barberis","PokemonGo","RegTech"],"articleSection":["Analyses"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/","url":"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/","name":"#PokemonGo - Catching up on what it means for The FinServ Industry - INVYO Insights Europe : Media Fintech","isPartOf":{"@id":"https:\/\/insights.invyo.io\/europe\/#website"},"datePublished":"2016-07-18T12:13:55+00:00","dateModified":"2019-07-30T13:55:36+00:00","breadcrumb":{"@id":"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/insights.invyo.io\/europe\/analyses\/pokemongo-catching-up-on-what-it-means-for-the-finserv-industry\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/insights.invyo.io\/europe\/"},{"@type":"ListItem","position":2,"name":"#PokemonGo &#8211; Catching up on what it means for The FinServ Industry"}]},{"@type":"WebSite","@id":"https:\/\/insights.invyo.io\/europe\/#website","url":"https:\/\/insights.invyo.io\/europe\/","name":"INVYO Insights Europe","description":"Media Fintech","publisher":{"@id":"https:\/\/insights.invyo.io\/europe\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/insights.invyo.io\/europe\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/insights.invyo.io\/europe\/#organization","name":"INVYO","url":"https:\/\/insights.invyo.io\/europe\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/insights.invyo.io\/europe\/#\/schema\/logo\/image\/","url":"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2019\/01\/logo-invyo-insights-dark.svg","contentUrl":"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2019\/01\/logo-invyo-insights-dark.svg","caption":"INVYO"},"image":{"@id":"https:\/\/insights.invyo.io\/europe\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/insights.invyo.io\/europe\/#\/schema\/person\/80bf3221f7745e850a227bd1089dbd45","name":"Janos Barberis","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/insights.invyo.io\/europe\/#\/schema\/person\/image\/","url":"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/02\/Techfoliance_janos-barberis-150x150.jpg","contentUrl":"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/02\/Techfoliance_janos-barberis-150x150.jpg","caption":"Janos Barberis"},"description":"Janos Barberis is a Millennial in FinTech, recognized as a top-35 global FinTech leader. His expertise is focused on the new regulatory considerations raised by the development of FinTech. With a passion to drive change, he founded FinTech HK, a thought leadership platform, and the SuperCharger - a FinTech Accelerator that strategically leverages on Hong Kong as a gateway to Asia. In parallel, he sits on the advisory board of the World Economic Forum's FinTech Committee and is a PhD Candidate at Hong Kong University Law School.","sameAs":["http:\/\/www.fintechsupercharger.com\/"],"url":"https:\/\/insights.invyo.io\/europe\/author\/janos-barberis\/"}]}},"_links":{"self":[{"href":"https:\/\/insights.invyo.io\/europe\/wp-json\/wp\/v2\/posts\/2704"}],"collection":[{"href":"https:\/\/insights.invyo.io\/europe\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/insights.invyo.io\/europe\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/insights.invyo.io\/europe\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/insights.invyo.io\/europe\/wp-json\/wp\/v2\/comments?post=2704"}],"version-history":[{"count":0,"href":"https:\/\/insights.invyo.io\/europe\/wp-json\/wp\/v2\/posts\/2704\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/insights.invyo.io\/europe\/wp-json\/wp\/v2\/media\/2732"}],"wp:attachment":[{"href":"https:\/\/insights.invyo.io\/europe\/wp-json\/wp\/v2\/media?parent=2704"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/insights.invyo.io\/europe\/wp-json\/wp\/v2\/categories?post=2704"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/insights.invyo.io\/europe\/wp-json\/wp\/v2\/tags?post=2704"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}