{"id":36260,"date":"2025-09-09T12:58:16","date_gmt":"2025-09-09T11:58:16","guid":{"rendered":"https:\/\/digileaders.com\/?p=36260"},"modified":"2025-09-11T13:20:11","modified_gmt":"2025-09-11T12:20:11","slug":"transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation","status":"publish","type":"post","link":"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/","title":{"rendered":"Transforming financial health by bringing consumers to the heart of innovation"},"content":{"rendered":"
\n

In a time of rising inflation, growing consumer debt, and increasing financial vulnerability, the UK financial sector is undergoing a quiet but profound transformation.<\/p>\n

We worked alongside\u00a0FinTech Scotland<\/a>\u00a0and the\u00a0University of Glasgow<\/a>\u00a0to create a whitepaper called \u2018Consumers at the heart of innovation: Financial health evaluation in the UK<\/a>\u2019 which explores how emerging technologies, regulatory frameworks, and new models of consumer engagement are redefining financial health evaluation.<\/p>\n<\/div>\n

\n

With a firm focus on consumer wellbeing, the paper provides insights into how the sector can build a more resilient, inclusive and ethical future for financial services. Some of the key highlights include:<\/p>\n

 <\/p>\n<\/div>\n

\n

The rising tide of financial vulnerability<\/h3>\n<\/div>\n
\n

UK consumers are grappling with record levels of debt. Heading into 2025, the\u00a0average household debt<\/a>\u00a0(excluding mortgages) is over \u00a317,000, with widespread reliance on credit cards, personal loans and overdrafts. Data from the\u00a0FCA\u2019s Financial Lives Survey<\/a>\u00a0paints a worrying picture: over 12.8 million adults feel overwhelmed or are in financial difficulty, and 1 in 4 adults lack financial resilience. New research from the latest\u00a0FCA Financial Lives Survey<\/a>\u00a0shows that one in 10 UK adults have no savings at all, and findings suggest that 13 million people- a quarter of the UK adult population- have low financial resilience.<\/p>\n<\/div>\n

\n

The landscape is not just characterised by economic hardship, but also by the complexity and inaccessibility of traditional financial products.\u00a0Vulnerable populations<\/a>\u00a0– including working-age families, renters, and those in regions like London and Northern Ireland – face disproportionate levels of financial stress. This\u00a0signals the need for systemic reform and innovative approaches to financial wellbeing.<\/p>\n

 <\/p>\n<\/div>\n

\n

A shift from creditworthiness to financial health<\/h3>\n<\/div>\n
\n

Traditional credit scoring models, which rely heavily on retrospective financial data, are increasingly inadequate for assessing consumers\u2019 financial wellbeing. These scores often fail to capture early signs of financial distress or the broader context of an individual\u2019s financial situation. In contrast, the whitepaper advocates for a more holistic and forward-looking model of financial health evaluation.<\/p>\n<\/div>\n

\n

This model includes a broader range of indicators such as income stability, expense behaviour, savings patterns, and even external data like regional deprivation indices. The aim is not just to assess lending risk but to understand consumers\u2019 capacity to meet obligations, recover from shocks, and plan for long-term goals.<\/p>\n<\/div>\n

\n

\u201cThe future of financial services must move beyond traditional creditworthiness and embrace a more inclusive understanding of financial health\u00a0– one that reflects real-life pressures and vulnerabilities.\u201d says co-author Kal Bukovski, Consulting Senior Manager and Director of Academia & Research at Sopra Steria.<\/p>\n

 <\/p>\n<\/div>\n

\n

The regulatory response: From compliance to purpose<\/h3>\n<\/div>\n
\n

Regulation in the UK has been evolving to address these challenges. The\u00a0FCA\u2019s Consumer Duty<\/a>\u00a0introduces a purpose-driven framework, encouraging firms to focus on outcomes rather than simply ticking compliance boxes. It requires financial institutions to actively support consumer needs, especially in areas like affordability and vulnerability.<\/p>\n<\/div>\n

\n

Complementary policies such as the\u00a0High-Cost Credit Review,<\/a>\u00a0Breathing Space protection for debtors<\/a>, and the\u00a0Borrowers in Financial Difficulty<\/a>\u00a0initiative, reflect a broader regulatory commitment to fairness, inclusion and financial health.<\/p>\n<\/div>\n

\n

While regulatory initatives represent importnat progress, the whitepaper questions whether organisations are going beyond compliance to fully embrace the cultural and strategic shift required- treating financial wellbeing as not just an outcome, but as a core driver of product design, data use and corporate strategy.<\/p>\n

 <\/p>\n<\/div>\n

\n

Technology as a catalyst: AI, predictive analytics\u00a0and storytelling<\/h3>\n<\/div>\n
\n

At the heart of the transformation is technology – especially the use of AI and advanced analytics. These tools can detect early warning signs of financial distress, such as changes in spending behaviour, increased reliance on credit, or inconsistent savings habits. Unlike backward-looking credit models, AI enables proactive, real-time intervention, helping institutions support customers before crises occur.<\/p>\n<\/div>\n

\n

The paper presents case studies where machine learning models flag \u2018at-risk\u2019 customers, allowing institutions to offer solutions such as budgeting tools, debt restructuring or access to benefits programmes. These innovations extend not just to banking but also to sectors like energy, where providers can pre-empt payment difficulties and support vulnerable households.<\/p>\n<\/div>\n

\n

AI is also enabling new models of inclusion. Automated advisory tools (e.g., robo-advisors) are helping consumers with limited financial literacy or smaller portfolios to access affordable, personalised investment strategies. This shift toward \u201cAI for inclusion\u201d represents a major opportunity for industry players to align commercial success with social impact.<\/p>\n

 <\/p>\n<\/div>\n

\n

Open Banking, Open Finance, and the data ethics imperative<\/h3>\n<\/div>\n
\n

The expansion from Open Banking to Open Finance offers another pivotal moment. Open Finance will allow data sharing across a wider range of financial products – insurance, pensions and investments – giving consumers a full-spectrum view of their finances. This could lead to more personalised services, improved financial planning, and ultimately, greater control for consumers.<\/p>\n<\/div>\n

\n

However, these innovations carry risks. The whitepaper stresses that data privacy, consent and digital ethics must be at the core of innovation. Misuse of financial data or AI models that aren\u2019t clear could destroy trust and reinforce inequalities. A robust regulatory framework\u00a0aligned with GDPR<\/a>, as well as clear ethical standards, is essential to guide the responsible deployment of these technologies.<\/p>\n<\/div>\n

\n

\u201cOpen Finance has the potential to shift power back to the consumer\u00a0– giving people greater visibility and control over their financial data and outcomes. But that potential depends on digital inclusion and trust\u201d says co-author of the whitepaper, Kal Bukovski.<\/p>\n

 <\/p>\n<\/div>\n

\n

What\u2019s\u00a0next: A call for action and collaboration<\/h3>\n<\/div>\n
\n

The paper concludes with a forward-looking view. It anticipates a future shaped by hyper-personalised services, behavioural\u00a0economics and embedded finance. From AI-powered assistants to integrated financial ecosystems, the sector is moving toward services that are not only more efficient but also more intuitive and empathetic.<\/p>\n

\n

Read More Data & Decision Making <\/i><\/a><\/span><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

In a time of rising inflation, growing consumer debt, and increasing financial vulnerability, the UK financial sector is undergoing a quiet but profound transformation. We worked alongside\u00a0FinTech Scotland\u00a0and the\u00a0University of Glasgow\u00a0to create a whitepaper called \u2018Consumers at the heart of innovation: Financial health evaluation in […]<\/p>\n","protected":false},"author":51,"featured_media":36265,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"class_list":["post-36260","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","topic-bias-ethics","topic-data-decision-making","topic-digital-inclusion"],"acf":[],"yoast_head":"\nTransforming financial health by bringing consumers to the heart of innovation | Digital Leaders<\/title>\n<meta name=\"description\" content=\"In a time of rising inflation, growing consumer debt, and increasing financial vulnerability, the UK financial sector is undergoing a quiet but profound transformation.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Transforming financial health by bringing consumers to the heart of innovation\" \/>\n<meta property=\"og:description\" content=\"In a time of rising inflation, growing consumer debt, and increasing financial vulnerability, the UK financial sector is undergoing a quiet but profound transformation.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/\" \/>\n<meta property=\"og:site_name\" content=\"Digital Leaders\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/digitalleadersprogramme\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-09T11:58:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-11T12:20:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/digileaders.com\/wp-content\/uploads\/2025\/09\/Blog-Sopra-Steria-1-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"622\" \/>\n\t<meta property=\"og:image:height\" content=\"350\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Louise Westcott\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Transforming financial health by bringing consumers to the heart of innovation\" \/>\n<meta name=\"twitter:description\" content=\"In a time of rising inflation, growing consumer debt, and increasing financial vulnerability, the UK financial sector is undergoing a quiet but profound transformation.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/digileaders.com\/wp-content\/uploads\/2025\/09\/Blog-Sopra-Steria-1-1.png\" \/>\n<meta name=\"twitter:creator\" content=\"@DigiLeaders\" \/>\n<meta name=\"twitter:site\" content=\"@DigiLeaders\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Louise Westcott\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/\"},\"author\":{\"name\":\"Louise Westcott\",\"@id\":\"https:\/\/digileaders.com\/#\/schema\/person\/50d407d47f6db15304462e27d166bef1\"},\"headline\":\"Transforming financial health by bringing consumers to the heart of innovation\",\"datePublished\":\"2025-09-09T11:58:16+00:00\",\"dateModified\":\"2025-09-11T12:20:11+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/\"},\"wordCount\":969,\"publisher\":{\"@id\":\"https:\/\/digileaders.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/digileaders.com\/wp-content\/uploads\/2025\/09\/Blog-Sopra-Steria-1-1.png\",\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/\",\"url\":\"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/\",\"name\":\"Transforming financial health by bringing consumers to the heart of innovation | Digital Leaders\",\"isPartOf\":{\"@id\":\"https:\/\/digileaders.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/digileaders.com\/wp-content\/uploads\/2025\/09\/Blog-Sopra-Steria-1-1.png\",\"datePublished\":\"2025-09-09T11:58:16+00:00\",\"dateModified\":\"2025-09-11T12:20:11+00:00\",\"description\":\"In a time of rising inflation, growing consumer debt, and increasing financial vulnerability, the UK financial sector is undergoing a quiet but profound transformation.\",\"breadcrumb\":{\"@id\":\"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/#primaryimage\",\"url\":\"https:\/\/digileaders.com\/wp-content\/uploads\/2025\/09\/Blog-Sopra-Steria-1-1.png\",\"contentUrl\":\"https:\/\/digileaders.com\/wp-content\/uploads\/2025\/09\/Blog-Sopra-Steria-1-1.png\",\"width\":622,\"height\":350},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/digileaders.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Transforming financial health by bringing consumers to the heart of innovation\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/digileaders.com\/#website\",\"url\":\"https:\/\/digileaders.com\/\",\"name\":\"Digital Leaders\",\"description\":\"We Lead Transformation\",\"publisher\":{\"@id\":\"https:\/\/digileaders.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/digileaders.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/digileaders.com\/#organization\",\"name\":\"Digital Leaders\",\"url\":\"https:\/\/digileaders.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/digileaders.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/digileaders.com\/wp-content\/uploads\/2016\/07\/Digital-Leaders\u00ae-logo.jpg\",\"contentUrl\":\"https:\/\/digileaders.com\/wp-content\/uploads\/2016\/07\/Digital-Leaders\u00ae-logo.jpg\",\"width\":3000,\"height\":2992,\"caption\":\"Digital Leaders\"},\"image\":{\"@id\":\"https:\/\/digileaders.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/digitalleadersprogramme\",\"https:\/\/x.com\/DigiLeaders\",\"https:\/\/www.linkedin.com\/groups\/6527637\/\",\"https:\/\/www.youtube.com\/channel\/UCK1pUziPGg9J8R1S0FhBgiQ\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/digileaders.com\/#\/schema\/person\/50d407d47f6db15304462e27d166bef1\",\"name\":\"Louise Westcott\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/digileaders.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/8269a87a68787a5652e9bbbd9e81282f6d74f763288a3268a2e3277baf66c40d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/8269a87a68787a5652e9bbbd9e81282f6d74f763288a3268a2e3277baf66c40d?s=96&d=mm&r=g\",\"caption\":\"Louise Westcott\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Transforming financial health by bringing consumers to the heart of innovation | Digital Leaders","description":"In a time of rising inflation, growing consumer debt, and increasing financial vulnerability, the UK financial sector is undergoing a quiet but profound transformation.","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:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/","og_locale":"en_GB","og_type":"article","og_title":"Transforming financial health by bringing consumers to the heart of innovation","og_description":"In a time of rising inflation, growing consumer debt, and increasing financial vulnerability, the UK financial sector is undergoing a quiet but profound transformation.","og_url":"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/","og_site_name":"Digital Leaders","article_publisher":"https:\/\/www.facebook.com\/digitalleadersprogramme","article_published_time":"2025-09-09T11:58:16+00:00","article_modified_time":"2025-09-11T12:20:11+00:00","og_image":[{"width":622,"height":350,"url":"https:\/\/digileaders.com\/wp-content\/uploads\/2025\/09\/Blog-Sopra-Steria-1-1.png","type":"image\/png"}],"author":"Louise Westcott","twitter_card":"summary_large_image","twitter_title":"Transforming financial health by bringing consumers to the heart of innovation","twitter_description":"In a time of rising inflation, growing consumer debt, and increasing financial vulnerability, the UK financial sector is undergoing a quiet but profound transformation.","twitter_image":"https:\/\/digileaders.com\/wp-content\/uploads\/2025\/09\/Blog-Sopra-Steria-1-1.png","twitter_creator":"@DigiLeaders","twitter_site":"@DigiLeaders","twitter_misc":{"Written by":"Louise Westcott","Estimated reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/#article","isPartOf":{"@id":"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/"},"author":{"name":"Louise Westcott","@id":"https:\/\/digileaders.com\/#\/schema\/person\/50d407d47f6db15304462e27d166bef1"},"headline":"Transforming financial health by bringing consumers to the heart of innovation","datePublished":"2025-09-09T11:58:16+00:00","dateModified":"2025-09-11T12:20:11+00:00","mainEntityOfPage":{"@id":"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/"},"wordCount":969,"publisher":{"@id":"https:\/\/digileaders.com\/#organization"},"image":{"@id":"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/#primaryimage"},"thumbnailUrl":"https:\/\/digileaders.com\/wp-content\/uploads\/2025\/09\/Blog-Sopra-Steria-1-1.png","inLanguage":"en-GB"},{"@type":"WebPage","@id":"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/","url":"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/","name":"Transforming financial health by bringing consumers to the heart of innovation | Digital Leaders","isPartOf":{"@id":"https:\/\/digileaders.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/#primaryimage"},"image":{"@id":"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/#primaryimage"},"thumbnailUrl":"https:\/\/digileaders.com\/wp-content\/uploads\/2025\/09\/Blog-Sopra-Steria-1-1.png","datePublished":"2025-09-09T11:58:16+00:00","dateModified":"2025-09-11T12:20:11+00:00","description":"In a time of rising inflation, growing consumer debt, and increasing financial vulnerability, the UK financial sector is undergoing a quiet but profound transformation.","breadcrumb":{"@id":"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/#primaryimage","url":"https:\/\/digileaders.com\/wp-content\/uploads\/2025\/09\/Blog-Sopra-Steria-1-1.png","contentUrl":"https:\/\/digileaders.com\/wp-content\/uploads\/2025\/09\/Blog-Sopra-Steria-1-1.png","width":622,"height":350},{"@type":"BreadcrumbList","@id":"https:\/\/digileaders.com\/transforming-financial-health-by-bringing-consumers-to-the-heart-of-innovation\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/digileaders.com\/"},{"@type":"ListItem","position":2,"name":"Transforming financial health by bringing consumers to the heart of innovation"}]},{"@type":"WebSite","@id":"https:\/\/digileaders.com\/#website","url":"https:\/\/digileaders.com\/","name":"Digital Leaders","description":"We Lead Transformation","publisher":{"@id":"https:\/\/digileaders.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/digileaders.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/digileaders.com\/#organization","name":"Digital Leaders","url":"https:\/\/digileaders.com\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/digileaders.com\/#\/schema\/logo\/image\/","url":"https:\/\/digileaders.com\/wp-content\/uploads\/2016\/07\/Digital-Leaders\u00ae-logo.jpg","contentUrl":"https:\/\/digileaders.com\/wp-content\/uploads\/2016\/07\/Digital-Leaders\u00ae-logo.jpg","width":3000,"height":2992,"caption":"Digital Leaders"},"image":{"@id":"https:\/\/digileaders.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/digitalleadersprogramme","https:\/\/x.com\/DigiLeaders","https:\/\/www.linkedin.com\/groups\/6527637\/","https:\/\/www.youtube.com\/channel\/UCK1pUziPGg9J8R1S0FhBgiQ"]},{"@type":"Person","@id":"https:\/\/digileaders.com\/#\/schema\/person\/50d407d47f6db15304462e27d166bef1","name":"Louise Westcott","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/digileaders.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/8269a87a68787a5652e9bbbd9e81282f6d74f763288a3268a2e3277baf66c40d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/8269a87a68787a5652e9bbbd9e81282f6d74f763288a3268a2e3277baf66c40d?s=96&d=mm&r=g","caption":"Louise Westcott"}}]}},"_links":{"self":[{"href":"https:\/\/digileaders.com\/wp-json\/wp\/v2\/posts\/36260","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/digileaders.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/digileaders.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/digileaders.com\/wp-json\/wp\/v2\/users\/51"}],"replies":[{"embeddable":true,"href":"https:\/\/digileaders.com\/wp-json\/wp\/v2\/comments?post=36260"}],"version-history":[{"count":0,"href":"https:\/\/digileaders.com\/wp-json\/wp\/v2\/posts\/36260\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/digileaders.com\/wp-json\/wp\/v2\/media\/36265"}],"wp:attachment":[{"href":"https:\/\/digileaders.com\/wp-json\/wp\/v2\/media?parent=36260"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}