{"id":6006,"date":"2018-04-22T20:44:05","date_gmt":"2018-04-23T03:44:05","guid":{"rendered":""},"modified":"2023-07-03T14:16:05","modified_gmt":"2023-07-03T21:16:05","slug":"the-latest-trends-in-the-banking-landscape","status":"publish","type":"post","link":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/","title":{"rendered":"The latest trends in the Banking Landscape"},"content":{"rendered":"

\"Howard<\/a><\/strong><\/p>\n

Howard Bush is a Principal, Banking & Capital Markets Lead in the Azure Cloud Industry Experiences team under General Manager Paul Maher at Microsoft. As a practitioner of the \u201cart of the possible,\u201d Howard is a 25+ year banker wrapped in IT clothing, impacting the Banking & Capital Markets Industry by building bridges to cloud adoption. Below we\u00a0talked to Microsoft\u2019s Wayne Bartlett, Head of UK Banking. We discuss new technologies gaining traction in the sector, and how banks are moving cautiously towards innovative digital transformation.<\/strong><\/p>\n

Caution over Blockchain<\/h2>\n

Bitcoin may have entered the public consciousness, but not much has changed for the banks over the last twelve months. Bartlett says, \u201cdistributed ledger technology is something of great interest \u2013 the question is how do we turn something of great interest into something of great value?\u201d\u00a0<\/span>\u00a0<\/span><\/p>\n

Certainly there\u2019s a perception in banks that while distributed ledger could be valuable, there are problems to be worked through first, and even the most technologically-savvy are moving cautiously. There are still big problems for banks, specifically around anonymity and the problem in anti-money laundering that it creates.<\/span>\u00a0<\/span><\/p>\n

\u201cAll the banks are investing R&D in [distributed ledger],\u201d says Bartlett. \u201cThey want to be seen as active players.\u201d But even banks with a reputation for being forward-thinking when it comes to adopting new technology are moving cautiously with distributed ledger. The initial rush of interest over cryptocurrencies has been replaced by a\u00a0<\/span>more measured view of what distributed ledger can offer<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n

So where are the benefits of distributed ledger? When applied to the banking system distributed ledger offers a more efficient alternative to the current payment processes; but moving these legacy systems onto an entirely new technology stack is a large, expensive and risky undertaking. Performance improvements and cost reductions promised by distributed ledger could be realized using alternative technologies such as Artificial Intelligence (AI) and Robotic Process Automation (RPA).\u00a0<\/span>\u00a0<\/span><\/p>\n

\u201cThe benefits to a bank tend to be on the transaction side,\u201d says Bartlett. \u201cLook at the payment world, which is relatively inefficient. They could solve problems with payment failures and manual remediation of payment failures with technologies such as AI and RPA. These technologies could take a huge amount of inefficiency out of the international payment environment.\u201d\u00a0<\/span>\u00a0<\/span><\/p>\n

Even then, Bartlett sounds a note of caution. \u201cThe distributed ledger approach of removing the intermediaries and having a trusted transaction is only one way to solve the problem. An alternative would be to have a low latency, co-located system hosted in a trusted system,\u00a0such as Azure, and then run intelligent algorithms on top of that system to look at how payments are failing, to predict payments and settlements, etc.\u201d<\/span>\u00a0<\/span><\/p>\n

Ultimately, then it\u2019s still early days, and other solutions may yet present themselves. \u201cdistributed ledger is one pressure on the system, but there are other pressures creating uncertainty,\u201d Bartlett says. \u201cWhen you look at a technology like distributed ledger, it is a pressure point on an environment or ecosystem, and the ecosystem can respond in multiple ways. Banks typically, because of their conservative nature, tend to look for efficiencies in their current environment, rather than adopting new technologies. We’ll see how it plays out.\u201d Microsoft is investing heavily in Blockchain with\u00a0<\/span>Project Bletchley<\/span><\/a>\u00a0and\u00a0<\/span>Coco Framework<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n

APIs – a platform of value<\/h2>\n

Banking is a highly-regulated industry, and the banks are prepared for mandated changes such as the second Payment Services Directive (PSD2) and Open Banking. That\u2019s not where the uncertainty lies. The banks don\u2019t want to be like Blockbuster. \u201cThe challenge,\u201d says Bartlett, \u201cis who\u2019s going to see Netflix coming?\u201d<\/span>\u00a0<\/span><\/p>\n

The API trend is yet to mature, but Bartlett believes it will only take one or two sharp organizations to build a platform of value rather than just substitute value. \u201cWhere API will come into plays is when you start to see smaller players able to offer platforms of value by coming together under the umbrella of a third-party platform. So, a building society might combine with an insurer, plus a mortgage provider, plus a\u00a0<\/span>Monzo-like<\/span><\/a>\u00a0debit card \u2013 and presents itself as one platform.\u201d<\/span>\u00a0<\/span><\/p>\n

Still, the churn is low.\u00a0<\/span>Current account switching in the UK is only in the 3-4% per annum range<\/span><\/a>, and the change in market share is also low even with initiatives such as Open Banking. \u201cMonzo is a cracking idea for that generation of millennials who are mindful of how they spend their money, and when that experience has become a lifetime service you\u2019ll just come to expect it. Monzo have already produced\u00a0<\/span>Open Banking APIs for Account Information Service Providers<\/span>, but it\u2019s really the user experience which sets Monzo apart. The banks aren\u2019t being threatened by [Open Banking] APIs just yet.\u201d\u00a0<\/span>\u00a0<\/span><\/p>\n

Trends in cloud computing<\/h2>\n

Regulatory-mandated changes are a chief driver when it comes to the adoption of cloud technology. Initiatives such as the Fundamental Review of the Trade Book (FRTB), part of the Basel Accords, are changing the way in which traded assets are valued throughout the course of a day, and the risks associated with that.\u00a0<\/span>\u00a0<\/span><\/p>\n

Bartlett says it\u2019s a process that demands a large amount of compute. \u201cBanks\u2019 first foray into the cloud has been with analytics workloads, things like grid compute. For FRTB all the banks are looking at cloud.\u201d Speed is of interest here. \u201cWe can spin up an analytics environment in hours, not months, so we\u2019re seeing banks go down that path.\u201d<\/span>\u00a0<\/span><\/p>\n

Another driver towards the cloud is dealing with legacy technologies. The cloud offers the advantage of avoiding the huge expense of on-premise technological solutions. \u201cThe cost of\u00a0those services in-house is ridiculously expensive, particularly when you look at the switch on\/switch off costs.\u201d In-house assets, such as grid or HPC computing infrastructure, can have multi-million-pound initial outlay costs that rapidly depreciate in value. \u201cWhereas an Azure Service like Batch you can switch it on, get the value out of it, and switch it off.\u201d<\/span>\u00a0<\/span><\/p>\n

To compete with the challenger banks and the FinTech startups, the established banks need to provide a better customer experience at a lower cost. \u201cBanks all struggle with trying to get the cost\/income ratios down,\u201d Bartlett says, \u201cand a large part of that is driven by legacy technology environment that are inflexible, too costly and too slow moving to adapt to these new requirements.\u201d This in turn creates blocks to knowing more about customers. \u201cThat\u2019s when you start to see technologies like\u00a0<\/span>Azure Data Lake<\/span><\/a>\u00a0being used to create a better source of information.\u201d\u00a0<\/span>Machine Learning<\/span><\/a>\u00a0and\u00a0<\/span>advanced analytics<\/span><\/a>\u00a0workloads and are gaining traction too. \u201cBanks are trying to see how they can take the information assets they already own, move them into modern data platforms. Then they can learn more from every customer interaction. This allows them to provide better customer experiences, with greater customer intimacy, to gain greater efficiency and challenge the challenger banks\u201d.\u00a0<\/span>\u00a0<\/span><\/p>\n

If you would like to know more about how Azure can be used by the Banking industry, visit\u00a0<\/span>https:\/\/banking.azure.com<\/span><\/a>\u00a0<\/span>\u00a0<\/span><\/p>\n

\n

Find out more by downloading The Future Banking Ecosystem white paper<\/a><\/sup><\/p>\n","protected":false},"excerpt":{"rendered":"

In this interview with Microsoft\u2019s Wayne Bartlett, learn more about the latest banking trends. Banks are moving cautiously towards digital transformation.<\/p>\n","protected":false},"author":843,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ms_queue_id":[],"ep_exclude_from_search":false,"_classifai_error":"","_classifai_text_to_speech_error":"","footnotes":""},"categories":[4253,1523],"post_tag":[],"content-type":[1492],"coauthors":[4311],"class_list":["post-6006","post","type-post","status-publish","format-standard","hentry","category-banking","category-financial-services","content-type-news-and-announcements","review-flag-1593580429-205","review-flag-1593580416-594","review-flag-1593580420-918","review-flag-3-1593580443-547","review-flag-4-1593580449-167","review-flag-new-1593580249-279","review-flag-on-pr-1593580817-713"],"yoast_head":"\nThe latest trends in the Banking Landscape - Microsoft Industry Blogs<\/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:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The latest trends in the Banking Landscape - Microsoft Industry Blogs\" \/>\n<meta property=\"og:description\" content=\"In this interview with Microsoft\u2019s Wayne Bartlett, learn more about the latest banking trends. Banks are moving cautiously towards digital transformation.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/\" \/>\n<meta property=\"og:site_name\" content=\"Microsoft Industry Blogs\" \/>\n<meta property=\"article:published_time\" content=\"2018-04-23T03:44:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-03T21:16:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-content\/uploads\/2018\/04\/Howard.jpg\" \/>\n<meta name=\"author\" content=\"Microsoft Industry for Financial Services Team\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Microsoft Industry for Financial Services Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 min read\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/\"},\"author\":[{\"@id\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/author\/microsoft-industry-for-financial-services-team\/\",\"@type\":\"Person\",\"@name\":\"Microsoft Industry for Financial Services Team\"}],\"headline\":\"The latest trends in the Banking Landscape\",\"datePublished\":\"2018-04-23T03:44:05+00:00\",\"dateModified\":\"2023-07-03T21:16:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/\"},\"wordCount\":1193,\"publisher\":{\"@id\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-content\/uploads\/2018\/04\/Howard.jpg\",\"articleSection\":[\"Banking\",\"Financial services\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/\",\"url\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/\",\"name\":\"The latest trends in the Banking Landscape - Microsoft Industry Blogs\",\"isPartOf\":{\"@id\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-content\/uploads\/2018\/04\/Howard.jpg\",\"datePublished\":\"2018-04-23T03:44:05+00:00\",\"dateModified\":\"2023-07-03T21:16:05+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/#primaryimage\",\"url\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-content\/uploads\/2018\/04\/Howard.jpg\",\"contentUrl\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-content\/uploads\/2018\/04\/Howard.jpg\",\"width\":150,\"height\":196},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The latest trends in the Banking Landscape\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/#website\",\"url\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/\",\"name\":\"Microsoft Industry Blogs\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/#organization\",\"name\":\"Microsoft Industry Blogs\",\"url\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-content\/uploads\/2019\/08\/Microsoft-Logo.png\",\"contentUrl\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-content\/uploads\/2019\/08\/Microsoft-Logo.png\",\"width\":259,\"height\":194,\"caption\":\"Microsoft Industry Blogs\"},\"image\":{\"@id\":\"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The latest trends in the Banking Landscape - Microsoft Industry Blogs","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:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/","og_locale":"en_US","og_type":"article","og_title":"The latest trends in the Banking Landscape - Microsoft Industry Blogs","og_description":"In this interview with Microsoft\u2019s Wayne Bartlett, learn more about the latest banking trends. Banks are moving cautiously towards digital transformation.","og_url":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/","og_site_name":"Microsoft Industry Blogs","article_published_time":"2018-04-23T03:44:05+00:00","article_modified_time":"2023-07-03T21:16:05+00:00","og_image":[{"url":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-content\/uploads\/2018\/04\/Howard.jpg","type":"","width":"","height":""}],"author":"Microsoft Industry for Financial Services Team","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Microsoft Industry for Financial Services Team","Est. reading time":"5 min read"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/#article","isPartOf":{"@id":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/"},"author":[{"@id":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/author\/microsoft-industry-for-financial-services-team\/","@type":"Person","@name":"Microsoft Industry for Financial Services Team"}],"headline":"The latest trends in the Banking Landscape","datePublished":"2018-04-23T03:44:05+00:00","dateModified":"2023-07-03T21:16:05+00:00","mainEntityOfPage":{"@id":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/"},"wordCount":1193,"publisher":{"@id":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/#organization"},"image":{"@id":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/#primaryimage"},"thumbnailUrl":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-content\/uploads\/2018\/04\/Howard.jpg","articleSection":["Banking","Financial services"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/","url":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/","name":"The latest trends in the Banking Landscape - Microsoft Industry Blogs","isPartOf":{"@id":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/#primaryimage"},"image":{"@id":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/#primaryimage"},"thumbnailUrl":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-content\/uploads\/2018\/04\/Howard.jpg","datePublished":"2018-04-23T03:44:05+00:00","dateModified":"2023-07-03T21:16:05+00:00","breadcrumb":{"@id":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/#primaryimage","url":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-content\/uploads\/2018\/04\/Howard.jpg","contentUrl":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-content\/uploads\/2018\/04\/Howard.jpg","width":150,"height":196},{"@type":"BreadcrumbList","@id":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2018\/04\/22\/the-latest-trends-in-the-banking-landscape\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/"},{"@type":"ListItem","position":2,"name":"The latest trends in the Banking Landscape"}]},{"@type":"WebSite","@id":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/#website","url":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/","name":"Microsoft Industry Blogs","description":"","publisher":{"@id":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/#organization","name":"Microsoft Industry Blogs","url":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-content\/uploads\/2019\/08\/Microsoft-Logo.png","contentUrl":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-content\/uploads\/2019\/08\/Microsoft-Logo.png","width":259,"height":194,"caption":"Microsoft Industry Blogs"},"image":{"@id":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/#\/schema\/logo\/image\/"}}]}},"msxcm_display_generated_audio":false,"msxcm_animated_featured_image":null,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Microsoft Industry Blogs","distributor_original_site_url":"https:\/\/www.microsoft.com\/en-us\/industry\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-json\/wp\/v2\/posts\/6006","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-json\/wp\/v2\/users\/843"}],"replies":[{"embeddable":true,"href":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-json\/wp\/v2\/comments?post=6006"}],"version-history":[{"count":0,"href":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-json\/wp\/v2\/posts\/6006\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-json\/wp\/v2\/media?parent=6006"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-json\/wp\/v2\/categories?post=6006"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-json\/wp\/v2\/post_tag?post=6006"},{"taxonomy":"content-type","embeddable":true,"href":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-json\/wp\/v2\/content-type?post=6006"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/wp-json\/wp\/v2\/coauthors?post=6006"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}