{"id":10197,"date":"2023-12-05T19:09:48","date_gmt":"2023-12-05T13:39:48","guid":{"rendered":"https:\/\/www.tikaj.com\/?p=10197"},"modified":"2023-12-14T10:12:15","modified_gmt":"2023-12-14T04:42:15","slug":"rbi-information-security-guidelines","status":"publish","type":"post","link":"https:\/\/www.tikaj.com\/blog\/rbi-information-security-guidelines\/","title":{"rendered":"Master the RBI Information Security Guidelines for NBFC 2023"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-text-align-center\"><a href=\"https:\/\/www.tikaj.com\/?elementor_library=blog-cta-2\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/www.tikaj.com\/?elementor_library=blog-cta-2\" rel=\"noreferrer noopener\">Click Here  to Download FREE RBI Cyber Security Framework Checklist<\/a><\/p>\n<\/blockquote>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#introduction\">Introduction<\/a><\/li><li><a href=\"#understanding-rbi-information-security-guidelines-2023\">Understanding RBI Information Security Guidelines 2023<\/a><\/li><li><a href=\"#comprehensive-master-direction-for-banks-and-nbf-cs\">Comprehensive Master Direction for Banks and NBFCs<\/a><ul><li><a href=\"#1-implementation-timeline\">#1. Implementation Timeline<\/a><\/li><li><a href=\"#2-the-scope-of-the-new-guidelines\">#2. The Scope of the New Guidelines<\/a><\/li><li><a href=\"#3-key-focus-areas-in-it-governance\">#3. Key Focus Areas in IT Governance<\/a><\/li><li><a href=\"#4-enhancing-cyber-security\">#4. Enhancing Cyber Security<\/a><\/li><li><a href=\"#5-directors-roles-and-responsibilities\">#5. Directors\u2019 Roles and Responsibilities<\/a><\/li><li><a href=\"#6-impact-on-banks-and-nbf-cs\">#6. Impact on Banks and NBFCs<\/a><\/li><li><a href=\"#7-updating-existing-practices\">#7. Updating Existing Practices<\/a><\/li><li><a href=\"#8-cyber-event-monitoring\">#8. Cyber Event Monitoring<\/a><\/li><li><a href=\"#9-resource-management-and-performance\">#9. Resource Management and Performance<\/a><\/li><li><a href=\"#10-business-continuity-and-disaster-recovery\">#10. Business Continuity and Disaster Recovery<\/a><\/li><li><a href=\"#11-compliance-and-regulation\">#11. Compliance and Regulation<\/a><\/li><\/ul><\/li><li><a href=\"#future-of-financial-information-security\">Future of Financial Information Security<\/a><\/li><li><a href=\"#global-comparison\">Global Comparison<\/a><\/li><li><a href=\"#challenges-in-implementation\">Challenges in Implementation<\/a><\/li><li><a href=\"#customer-impact\">Customer Impact<\/a><\/li><li><a href=\"#final-thoughts\">Final Thoughts<\/a><\/li><li><a href=\"#fa-qs\">FAQs <\/a><ul><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"introduction\"><strong>Introduction<\/strong><\/h2>\n\n\n\n<p>The Reserve Bank of India (RBI) plays a pivotal role in regulating and stabilizing the Indian financial sector. In an age where digital transactions are soaring, ensuring robust information security is more critical than ever. Recognizing this need, RBI has introduced comprehensive guidelines aimed at bolstering the cybersecurity framework within banks and non-banking financial companies (NBFCs). This article delves into the <a href=\"https:\/\/www.rbi.org.in\/Scripts\/BS_ViewMasDirections.aspx?id=10999\" target=\"_blank\" rel=\"noopener\">RBI Information Security Guidelines<\/a>, shedding light on their significance, scope, and expected impact on the financial ecosystem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"understanding-rbi-information-security-guidelines-2023\"><strong>Understanding RBI Information Security Guidelines 2023<\/strong><\/h2>\n\n\n\n<p>In April 2023, the RBI made a landmark announcement, issuing a new set of guidelines focused on Information Technology (IT) governance and cybersecurity. These guidelines represent a significant step in enhancing the security framework of India\u2019s financial institutions. They are not just a set of rules but a blueprint for building a resilient, secure financial environment that can withstand the evolving cyber threats of the digital era.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"comprehensive-master-direction-for-banks-and-nbf-cs\"><strong>Comprehensive Master Direction for Banks and NBFCs<\/strong><\/h2>\n\n\n\n<p>The RBI\u2019s new directive, known as the \u201cMaster Direction on Information Technology Governance, Risk, Controls, and Assurance Practices,\u201d outlines a detailed approach for banks and NBFCs to manage their IT infrastructure and data. The Master Direction encapsulates the role of directors and top management in ensuring the implementation of robust IT governance. It mandates a holistic approach, covering various facets of IT management, from risk assessment to customer <a href=\"https:\/\/www.tikaj.com\/blog\/data-security-5-best-practices-for-cisos\/\" data-type=\"link\" data-id=\"https:\/\/www.tikaj.com\/blog\/data-security-5-best-practices-for-cisos\/\">data protection<\/a>, thereby safeguarding the interests of customers and maintaining the integrity of India\u2019s financial institutions.<\/p>\n\n\n\n<p><strong>Also, learn about <a href=\"https:\/\/www.tikaj.com\/reserve-bank-of-india-rbi-cyber-security-framework\/\">RBI Cyber Security Framework for Urban Cooperative Banks(UCBs)<\/a><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-implementation-timeline\">#1. <strong>Implementation Timeline<\/strong><\/h3>\n\n\n\n<p>Set to come into effect from April 1, 2024, these guidelines offer a timeline that allows banks and NBFCs ample time to align their systems and practices with the new standards. This transition period is crucial for regulated entities to assess their current IT infrastructure, identify gaps, and implement the necessary changes to comply with the RBI\u2019s directives. It\u2019s a period of adaptation, ensuring that when the guidelines are fully implemented, institutions are not just compliant but also more resilient against cyber threats.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-the-scope-of-the-new-guidelines\">#2. <strong>The Scope of the New Guidelines<\/strong><\/h3>\n\n\n\n<p>These new guidelines are comprehensive, incorporating and updating various existing guidelines, instructions, and circulars related to IT Governance previously issued by the RBI. By consolidating these documents, the RBI provides a clearer, more streamlined set of directives for banks and NBFCs to follow. This consolidation simplifies the regulatory landscape, making it easier for institutions to understand and adhere to the requirements, thus promoting a more effective and efficient approach to IT governance and <a href=\"https:\/\/www.tikaj.com\/industries\/cyber-security\/\">cybersecurity<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-key-focus-areas-in-it-governance\">#3. <strong>Key Focus Areas in IT Governance<\/strong><\/h3>\n\n\n\n<p><strong>At the heart of the RBI Information Security Guidelines are five key focus areas:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Strategic Alignment<\/strong>: Ensuring that the IT strategy of banks and NBFCs aligns seamlessly with their business goals. This alignment is crucial for creating a coherent approach to managing both business growth and IT risks.<\/li>\n\n\n\n<li><strong>Risk Management:<\/strong> Emphasizing the importance of identifying, assessing, and mitigating IT risks. This area focuses on establishing robust risk management frameworks to anticipate and manage potential IT threats.<\/li>\n\n\n\n<li><strong>Resource Management:<\/strong> Guiding institutions on optimal resource allocation, including human, technological, and financial resources, to support their IT functions effectively.<\/li>\n\n\n\n<li><strong>Performance Management:<\/strong> Instituting mechanisms to monitor and evaluate the performance of IT resources and processes. This ensures that IT services are delivered efficiently and contribute positively to the overall objectives of the organization.<\/li>\n\n\n\n<li><strong>Business Continuity\/Disaster Recovery Management:<\/strong> Mandating plans and procedures to ensure continuity of business operations and quick recovery in the event of any disruptions or disasters. This is vital in maintaining customer trust and safeguarding financial data.<\/li>\n<\/ol>\n\n\n\n<p>By focusing on these areas, the RBI aims to create a robust framework that not only addresses the immediate IT challenges but also paves the way for a secure and resilient banking environment in the digital age.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-enhancing-cyber-security\">#4. <strong>Enhancing Cyber Security<\/strong><\/h3>\n\n\n\n<p>The RBI Information Security Guidelines place a strong emphasis on strengthening cyber security within financial institutions. This focus is crucial given the increasing sophistication of cyber threats. By mandating regular security assessments, encouraging the development of advanced cyber security protocols, and insisting on continuous monitoring and rapid response strategies, these guidelines aim to fortify the cyber defenses of banks and NBFCs. This proactive approach is essential for protecting sensitive financial data and maintaining consumer confidence in the digital banking ecosystem.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"5-directors-roles-and-responsibilities\">#5. <strong>Directors\u2019 Roles and Responsibilities<\/strong><\/h3>\n\n\n\n<p>Under the new guidelines, the role of directors and senior management is highlighted as being central to the effective governance of IT and cyber security. Directors are required to play a more active role in overseeing IT strategies, ensuring that they are aligned with the overall business objectives and regulatory requirements. They are also responsible for fostering a culture of security awareness throughout the organization, ensuring that all levels of staff understand and adhere to the prescribed security practices. This top-down approach is instrumental in creating a strong and cohesive cybersecurity culture within financial institutions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-impact-on-banks-and-nbf-cs\">#6. <strong>Impact on Banks and NBFCs<\/strong><\/h3>\n\n\n\n<p>The implementation of the RBI Information Security Guidelines is set to have a significant impact on the operations of banks and NBFCs. They will need to invest in upgrading their IT infrastructure, enhance their cyber security measures, and possibly revamp their organizational structures to comply with the new standards. While this may pose initial challenges, particularly in terms of resource allocation and training, the long-term benefits include stronger data protection, improved customer trust, and a reduced risk of cyber incidents.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"7-updating-existing-practices\">#7. <strong>Updating Existing Practices<\/strong><\/h3>\n\n\n\n<p>The guidelines also mandate the updating and consolidation of existing IT governance practices. This requirement recognizes that the field of IT and cyber security is ever-evolving, and practices that were once effective may now be outdated. Banks and NBFCs are therefore encouraged to continually assess and update their IT governance frameworks to keep pace with emerging technologies and threats. This ongoing process of refinement ensures that financial institutions remain at the forefront of cyber security and IT management best practices.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"8-cyber-event-monitoring\">#8. <strong>Cyber Event Monitoring<\/strong><\/h3>\n\n\n\n<p>A key aspect of the RBI Information Security Guidelines is the emphasis on monitoring \u2018cyber events\u2019. This involves the continuous surveillance of IT systems to detect and respond to any unusual activities that could indicate a cyber threat. Effective monitoring can help in the early detection of potential security breaches, thereby minimizing the impact of such incidents. The guidelines expect financial institutions to establish sophisticated monitoring systems capable of identifying a wide range of cyber threats, from data breaches to <a href=\"https:\/\/www.tikaj.com\/blog\/ransomware\/\">ransomware attacks<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"9-resource-management-and-performance\">#9. <strong>Resource Management and Performance<\/strong><\/h3>\n\n\n\n<p>The guidelines also stress the importance of effective resource management and performance measurement in IT governance. Financial institutions are expected to allocate their resources\u2014be it human, technological, or financial\u2014in a manner that maximizes the efficiency and effectiveness of their IT operations. Performance measurement systems should be put in place to regularly evaluate the effectiveness of IT services and initiatives. This focus on resource optimization and performance accountability ensures that IT resources are not only well-managed but also aligned with the strategic objectives of the institution.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"10-business-continuity-and-disaster-recovery\">#10. <strong>Business Continuity and Disaster Recovery<\/strong><\/h3>\n\n\n\n<p>Business continuity and disaster recovery management are critical components of the RBI\u2019s guidelines. Banks and NBFCs are required to develop comprehensive plans to ensure the continuity of business operations and the integrity of data in the event of disruptions, whether due to cyber attacks, natural disasters, or other unforeseen events. These plans should include strategies for data backup, system recovery, and maintaining critical operations during and after a disruption. A robust disaster recovery and business continuity plan is indispensable for minimizing the impact of incidents on the institution\u2019s operations and maintaining customer trust.<\/p>\n\n\n\n<p>By addressing these areas in depth, the RBI\u2019s guidelines aim to create a more secure, resilient, and reliable banking sector, capable of facing the challenges of the digital age with confidence.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"11-compliance-and-regulation\">#11. <strong>Compliance and Regulation<\/strong><\/h3>\n\n\n\n<p>Compliance with RBI\u2019s new guidelines is not just a regulatory requirement but a strategic necessity for banks and NBFCs. The guidelines necessitate a thorough reevaluation of existing compliance frameworks and the adoption of more robust and comprehensive compliance strategies. Financial institutions must ensure that they are not only adhering to the letter of the guidelines but also embracing the spirit of these directives. This includes establishing internal controls, regular audits, and compliance training programs. Adherence to these guidelines is crucial for maintaining regulatory goodwill and avoiding potential penalties or reputational damage.<\/p>\n\n\n\t\t<div data-elementor-type=\"container\" data-elementor-id=\"9004\" class=\"elementor elementor-9004\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-47e9ca90 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"47e9ca90\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-29f3e11a\" data-id=\"29f3e11a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-section elementor-inner-section elementor-element elementor-element-41de28a4 animated-fast elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"41de28a4\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7fbd4de1\" data-id=\"7fbd4de1\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0a1ee51 elementor-widget elementor-widget-text-editor\" data-id=\"0a1ee51\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Download RBI Cyber Security Framework Checklist<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-284e8304 elementor-widget elementor-widget-text-editor\" data-id=\"284e8304\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>We have curated the complete checklist to help you achive this compliance.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11f24876 elementor-widget elementor-widget-button\" data-id=\"11f24876\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.tikaj.com\/resources\/rbi-cyber-security-framework-checklist\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download for free<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h2 class=\"wp-block-heading\" id=\"future-of-financial-information-security\"><strong>Future of Financial Information Security<\/strong><\/h2>\n\n\n\n<p>The RBI\u2019s guidelines are a forward-looking initiative, signaling the future direction of financial information security in India. They reflect a growing recognition of the importance of IT governance and cyber security in the financial sector. As technology continues to evolve and integrate more deeply into financial services, these guidelines will likely be the foundation upon which future security measures and technologies are built. They set a precedent for continuous improvement and adaptation in the face of emerging threats and technological advancements, ensuring that India\u2019s financial sector remains resilient and secure.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"global-comparison\"><strong>Global Comparison<\/strong><\/h2>\n\n\n\n<p>When compared to global standards, the RBI\u2019s guidelines demonstrate a strong commitment to achieving international best practices in IT governance and cyber security. They align with global trends in emphasizing risk management, strategic IT alignment, and cyber resilience. This alignment not only enhances the security of India\u2019s financial sector but also facilitates international partnerships and transactions by ensuring that Indian banks and NBFCs are operating at a globally accepted level of IT governance and security.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"challenges-in-implementation\"><strong>Challenges in Implementation<\/strong><\/h2>\n\n\n\n<p>Implementing the RBI\u2019s guidelines presents a range of challenges for banks and NBFCs. These include the need for significant investment in technology and personnel, the challenge of integrating new systems with existing infrastructure, and the requirement for continuous training and awareness programs. Smaller institutions, in particular, may face resource constraints. However, these challenges also present opportunities for innovation, collaboration, and the development of more efficient and secure banking processes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"customer-impact\"><strong>Customer Impact<\/strong><\/h2>\n\n\n\n<p>From the customer\u2019s perspective, the enhanced information security measures promise greater protection of their financial data and increased confidence in digital banking services. The guidelines aim to reduce the incidence of cyber fraud and <a href=\"https:\/\/www.tikaj.com\/blog\/5-steps-to-take-when-a-data-breach-hits-you\/\" data-type=\"link\" data-id=\"https:\/\/www.tikaj.com\/blog\/5-steps-to-take-when-a-data-breach-hits-you\/\">data breaches<\/a>, thereby safeguarding customers\u2019 interests. Additionally, customers can expect improved transparency and accountability from their banks and financial service providers, further enhancing their trust in the financial system.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"final-thoughts\"><strong>Final Thoughts<\/strong><\/h2>\n\n\n\n<p>In conclusion, the RBI\u2019s Information Security Guidelines for 2023 mark a significant step forward in securing India\u2019s financial sector in the digital age. They reflect a comprehensive approach to IT governance and cybersecurity, aligning with global best practices. While the implementation of these guidelines presents challenges, the long-term benefits in terms of enhanced security, customer trust, and regulatory compliance cannot be overstated. As financial institutions work towards complying with these guidelines, they contribute to a more secure, resilient, and trustworthy banking environment in India.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fa-qs\">FAQs <\/h2>\n\n\n\n<p><strong>Here are the frequently asked questions about RBI Information Security Guidelines.<\/strong><\/p>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1701150787308\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">1. <strong>What are the RBI Information Security Guidelines 2023?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The RBI Information Security Guidelines 2023 are a set of directives issued by the Reserve Bank of India to enhance IT governance, risk management, and cyber security in banks and NBFCs.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1701150800697\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">2. <strong>When will the new RBI guidelines for NBFCs come into effect?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The RBI guidelines are scheduled to come into effect from April 1, 2024.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1701150828663\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">3. <strong>What are the major focus areas of the RBI\u2019s IT governance guidelines?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The major focus areas include strategic alignment, risk management, resource management, performance management, and business continuity\/disaster recovery.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1701150837394\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">4. <strong>How will the RBI guidelines impact banks and NBFCs?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Banks and NBFCs will need to upgrade their IT infrastructure, enhance cyber security measures, and possibly revamp organizational structures to comply with these guidelines.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Click Here to Download FREE RBI Cyber Security Framework Checklist Introduction The Reserve Bank of India (RBI) plays a pivotal role in [&hellip;]<\/p>\n","protected":false},"author":120,"featured_media":10204,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[85,660,699],"tags":[],"class_list":["post-10197","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-anti-phishing","category-easm-en","category-rbi"],"_links":{"self":[{"href":"https:\/\/www.tikaj.com\/wp-json\/wp\/v2\/posts\/10197","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tikaj.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tikaj.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tikaj.com\/wp-json\/wp\/v2\/users\/120"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tikaj.com\/wp-json\/wp\/v2\/comments?post=10197"}],"version-history":[{"count":15,"href":"https:\/\/www.tikaj.com\/wp-json\/wp\/v2\/posts\/10197\/revisions"}],"predecessor-version":[{"id":10534,"href":"https:\/\/www.tikaj.com\/wp-json\/wp\/v2\/posts\/10197\/revisions\/10534"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tikaj.com\/wp-json\/wp\/v2\/media\/10204"}],"wp:attachment":[{"href":"https:\/\/www.tikaj.com\/wp-json\/wp\/v2\/media?parent=10197"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tikaj.com\/wp-json\/wp\/v2\/categories?post=10197"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tikaj.com\/wp-json\/wp\/v2\/tags?post=10197"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}