{"id":15179,"date":"2023-08-29T08:00:00","date_gmt":"2023-08-29T05:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=15179"},"modified":"2023-08-29T22:46:59","modified_gmt":"2023-08-29T19:46:59","slug":"bazarda-lider-movqeyimizi-qorumusuq-renat-humb%c9%99tov","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=15179","title":{"rendered":"Bazarda lider m\u00f6vqeyimizi qorumu\u015fuq"},"content":{"rendered":"\n<p class=\"has-medium-font-size\"><strong>\u201c\u0130ll\u0259r \u0259rzind\u0259 i\u015fimizin \u00f6hd\u0259sind\u0259n pe\u015f\u0259karcas\u0131na g\u0259l\u0259r\u0259k, m\u00fc\u015ft\u0259ril\u0259rin g\u00fcv\u0259nini qazan\u0131b,&nbsp; bazarda lider m\u00f6vqeyimizi qorumu\u015fuq\u201d: Renat H\u00fcmb\u0259tov, AccessBank-\u0131n \u0130dar\u0259 Hey\u0259tinin \u00fczv\u00fc<\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/rockvell.com\/wp-content\/uploads\/2023\/08\/Renat-Humbatov_pic-1024x813.jpg\" alt=\"\" class=\"wp-image-15180\" width=\"407\" height=\"322\" srcset=\"https:\/\/rockvell.com\/wp-content\/uploads\/2023\/08\/Renat-Humbatov_pic-1024x813.jpg 1024w, https:\/\/rockvell.com\/wp-content\/uploads\/2023\/08\/Renat-Humbatov_pic-300x238.jpg 300w, https:\/\/rockvell.com\/wp-content\/uploads\/2023\/08\/Renat-Humbatov_pic-768x610.jpg 768w, https:\/\/rockvell.com\/wp-content\/uploads\/2023\/08\/Renat-Humbatov_pic-1536x1220.jpg 1536w, https:\/\/rockvell.com\/wp-content\/uploads\/2023\/08\/Renat-Humbatov_pic-360x286.jpg 360w, https:\/\/rockvell.com\/wp-content\/uploads\/2023\/08\/Renat-Humbatov_pic.jpg 1600w\" sizes=\"(max-width: 407px) 100vw, 407px\" \/><\/figure><\/div>\n\n\n<ul>\n<li><strong>AccessBank uzun ill\u0259rdir ki, Az\u0259rbaycanda mikromaliyy\u0259l\u0259\u015fdirm\u0259 lideri m\u00f6vqeyini qoruyub saxlay\u0131r. U\u011furunuzun sirri n\u0259d\u0259dir?<\/strong><br>AccessBank Az\u0259rbaycan\u0131n maliyy\u0259 bazar\u0131nda mikromaliyy\u0259l\u0259\u015fdirm\u0259ni tan\u0131dan ilk bankd\u0131r. Biz art\u0131q 20 ildir ki, yerli bazarda mikro, ki\u00e7ik v\u0259 orta sahibkarlara d\u0259st\u0259k oluruq. R\u0259q\u0259ml\u0259r\u0259 g\u0259ldikd\u0259, 2021-ci ild\u0259 mikro kredit portfelinin h\u0259cmini 51%, 2022-ci ild\u0259 is\u0259 32% art\u0131rmaqla, mikro kredit portfelimizi yar\u0131m milyarda \u00e7atd\u0131rd\u0131q. &nbsp;G\u00f6r\u00fcn\u00fcr bu ill\u0259r \u0259rzind\u0259 i\u015fimizin \u00f6hd\u0259sind\u0259n pe\u015f\u0259karcas\u0131na g\u0259l\u0259r\u0259k, m\u00fc\u015ft\u0259ril\u0259rin g\u00fcv\u0259nini qazan\u0131b, bazarda lider m\u00f6vqeyimizi qorumu\u015fuq. Bu n\u0259tic\u0259l\u0259rin \u0259ld\u0259 olunmas\u0131n\u0131n \u0259sas amill\u0259ri \u00e7evik kredit \u015f\u0259rtl\u0259ri, s\u00fcr\u0259tli q\u0259rarverm\u0259 mexanizmi v\u0259 \u0259n \u0259sas\u0131 pe\u015f\u0259kar kadrlar\u0131m\u0131z\u0131n m\u00f6vcudlu\u011fudur.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>B\u0259s, son d\u00f6vrd\u0259 mikrokreditl\u0259\u015fm\u0259d\u0259 hans\u0131 sah\u0259l\u0259r\u0259 maraq daha y\u00fcks\u0259kdir?<\/strong><br>\u00d6lk\u0259d\u0259 iqtisadi m\u00fchitin \u0259lveri\u015fli olmas\u0131 v\u0259 sahibkarlar\u0131n d\u00f6vl\u0259t t\u0259r\u0259find\u0259n d\u0259st\u0259kl\u0259nm\u0259si n\u0259tic\u0259sind\u0259 b\u00fct\u00fcn sah\u0259l\u0259r biznesin inki\u015faf\u0131na y\u00f6n\u0259lmi\u015f kreditl\u0259rd\u0259n faydalan\u0131r. Lakin daha \u00e7ox k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131 v\u0259 ticar\u0259t sah\u0259si aktivlik g\u00f6st\u0259rir. K\u0259nd t\u0259s\u0259rr\u00fcfat\u0131 bu g\u00fcn d\u00f6vl\u0259tin x\u00fcsusi d\u0259st\u0259k ald\u0131\u011f\u0131 istiqam\u0259tl\u0259rd\u0259n biridir. Son zamanlar is\u0259&nbsp; y\u00fckda\u015f\u0131ma il\u0259 m\u0259\u015f\u011ful olan sahibkarlar\u0131n m\u00fcraci\u0259tl\u0259ri \u00fcst\u00fcnl\u00fck t\u0259\u015fkil edir. Bu da g\u00f6zl\u0259nil\u0259ndir, \u00e7\u00fcnki \u00f6lk\u0259nin co\u011frafi m\u00f6vqeyi v\u0259 son ill\u0259r \u0259sas n\u0259qliyyat qov\u015fa\u011f\u0131na \u00e7evrilm\u0259si, \u0259lav\u0259 olaraq Z\u0259ng\u0259zur d\u0259hlizinin a\u00e7\u0131lmas\u0131 il\u0259 bu sah\u0259 d\u0259f\u0259l\u0259rl\u0259 inki\u015faf ed\u0259c\u0259k.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>K\u0259nd t\u0259s\u0259rr\u00fcfat\u0131ndan s\u00f6z d\u00fc\u015fm\u00fc\u015fk\u0259n &#8211; haz\u0131rda veril\u0259n mikro kreditl\u0259rin \u015f\u0259rtl\u0259rin\u0259 g\u00f6r\u0259 \u0259n s\u0259rf\u0259li kredit sah\u0259si aqro kreditdir. Bu krediti dig\u0259rl\u0259rind\u0259n f\u0259rql\u0259ndir\u0259n \u0259n \u00fcst\u00fcn c\u0259h\u0259ti is\u0259 kredit faizinin &nbsp;a\u015fa\u011f\u0131 olmas\u0131d\u0131r. AccessBank-da bu istiqam\u0259td\u0259 i\u015fl\u0259r nec\u0259 gedir?<\/strong><br>K\u0259nd t\u0259s\u0259rr\u00fcfat\u0131 kreditl\u0259ri AccessBank-\u0131n mikro portfelinin \u0259n b\u00f6y\u00fck hiss\u0259sidir v\u0259 haz\u0131rda 37% t\u0259\u015fkil edir. Bank\u0131n k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131na dair x\u00fcsusi m\u0259hsullar\u0131 m\u00f6vcuddur. M\u00fc\u015ft\u0259ril\u0259r\u0259 k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131 sah\u0259sind\u0259n as\u0131l\u0131 olaraq m\u00fc\u0259yy\u0259n \u015f\u0259rtl\u0259r il\u0259 \u00f6d\u0259ni\u015fl\u0259r t\u0259yin olunur. K\u0259nd t\u0259s\u0259rr\u00fcfat\u0131n\u0131n inki\u015faf\u0131 istiqam\u0259tind\u0259 fondlarla da &#8211; &nbsp;Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fondu v\u0259 Aqrar Kredit v\u0259 \u0130nki\u015faf Agentliyi il\u0259 d\u0259 s\u0131x \u0259m\u0259kda\u015fl\u0131q edirik. \u00dcmumi k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131 portfelind\u0259 fondlar\u0131n vasit\u0259si il\u0259 veril\u0259n kreditl\u0259r 10% t\u0259\u015fkil edir. Kredit portfelimizin \u0259sas hiss\u0259sini is\u0259 \u00f6z v\u0259saitl\u0259rimiz hesab\u0131na formala\u015fd\u0131r\u0131r\u0131q.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>D\u00f6vl\u0259t fondlar\u0131 il\u0259 \u0259m\u0259kda\u015fl\u0131qlar nec\u0259 qurulub? A\u00e7\u0131qlanan siyah\u0131larda AccessBank-\u0131n ad\u0131 h\u0259r zaman ilk top 5-likd\u0259 hallan\u0131r.<\/strong><br>\u00d6nc\u0259 qeyd etdiyim kimi haz\u0131rda Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fondu, Aqrar Kredit v\u0259 \u0130nki\u015faf Agentliyi, \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu il\u0259 s\u0131x \u0259m\u0259kda\u015fl\u0131q edirik. K\u0259nd t\u0259s\u0259rr\u00fcfat\u0131n\u0131n inki\u015faf\u0131 istiqam\u0259tind\u0259 \u0259sas AK\u0130A v\u0259 S\u0130F-in &nbsp;d\u0259st\u0259yi il\u0259 g\u00fcz\u0259\u015ftli kreditl\u0259r t\u0259klif edirik. Bundan ba\u015fqa, S\u0130F istehsal v\u0259 turizm il\u0259 m\u0259\u015f\u011ful olan m\u00fc\u015ft\u0259ril\u0259r\u0259 g\u00fcz\u0259\u015ftli kreditl\u0259r d\u0259 t\u0259klif edir. \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu is\u0259 istehsalat v\u0259 xidm\u0259t sah\u0259sind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n sahibkarlar \u00fc\u00e7\u00fcn girov t\u0259l\u0259bini girov z\u0259man\u0259ti il\u0259 \u0259v\u0259zl\u0259y\u0259r\u0259k, kreditl\u0259rin daha da \u0259l\u00e7atan olma\u011f\u0131n\u0131 t\u0259min edir. Fikrimc\u0259, yuxar\u0131da sadalanan g\u00fcz\u0259\u015ftl\u0259r qeyri-neft sektorunun inki\u015faf\u0131na kifay\u0259t q\u0259d\u0259r t\u0259kan verir.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Sizc\u0259, ki\u00e7ik sahibkarlar \u00fc\u00e7\u00fcn mikro kreditl\u0259rin \u0259l\u00e7atan olmas\u0131 \u00fc\u00e7\u00fcn hans\u0131 add\u0131mlar at\u0131lmal\u0131d\u0131r?<\/strong><br>Uzun m\u00fcdd\u0259t mikro kreditl\u0259r sah\u0259sind\u0259 lider m\u00f6vqeyind\u0259 olma\u011f\u0131m\u0131za baxmayaraq, biz daima mikrokreditl\u0259rin daha \u0259l\u00e7atan olmas\u0131 \u00fc\u00e7\u00fcn \u00e7al\u0131\u015f\u0131r\u0131q. Bu i\u015fd\u0259 \u0259sas m\u0259s\u0259l\u0259 prosesin optimalla\u015fd\u0131r\u0131lmas\u0131, avtomatla\u015fd\u0131r\u0131lmas\u0131 &nbsp;v\u0259 digitalla\u015fd\u0131r\u0131lmas\u0131d\u0131r. Bir s\u00f6zl\u0259, bu d\u0259qiq\u0259 bu sah\u0259d\u0259 \u0259n \u0259sas m\u0259s\u0259l\u0259 maliyy\u0259 resurslar\u0131n\u0131n inkluzivliyini t\u0259min etm\u0259kl\u0259 yana\u015f\u0131, bu prosesi maksimum s\u00fcr\u0259tl\u0259ndirm\u0259kdir. Misal \u00fc\u00e7\u00fcn, sahibkara maliyy\u0259 d\u0259st\u0259yi laz\u0131m olanda \u0259lav\u0259 s\u0259n\u0259dl\u0259\u015fdirm\u0259 i\u015fi aparmadan sad\u0259c\u0259 mobil telefon vasit\u0259si il\u0259 sifari\u015f verib kart\u0131na kredit almas\u0131 kimi. &nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Fermerl\u0259rin mikro kreditd\u0259n istifad\u0259si \u00fc\u00e7\u00fcn s\u0259yyar bank xidm\u0259tl\u0259ri qurmaq olarm\u0131?<\/strong><br>AccessBank bu istiqam\u0259td\u0259 d\u0259 m\u00fc\u0259yy\u0259n i\u015fl\u0259r g\u00f6r\u00fcb. Haz\u0131rda kredit m\u00fct\u0259x\u0259ssisl\u0259ri plan\u015fet vasit\u0259si il\u0259 fermerl\u0259rin t\u0259hlilini yerind\u0259 edib kreditin t\u0259sdiql\u0259nm\u0259si v\u0259 yaxud imtina olunmas\u0131 bar\u0259d\u0259 informasiyan\u0131 d\u0259rhal verm\u0259k iqtidar\u0131ndad\u0131rlar. Lakin bu prosesin daha s\u00fcr\u0259tli olmas\u0131 \u00fc\u00e7\u00fcn fermerl\u0259rin \u00f6zl\u0259rinin d\u0259 bu istiqam\u0259td\u0259 m\u00fc\u0259yy\u0259n yard\u0131m\u0131 laz\u0131md\u0131r. Bel\u0259 ki, ki\u00e7ik sahibkar\u0131n d\u0259qiq maliyy\u0259 hesabatlar\u0131 elektron formada h\u0259r hans\u0131 bir sistem \u00fcz\u0259rind\u0259 olarsa, bu, bank\u0131n i\u015fini d\u0259f\u0259l\u0259rl\u0259 y\u00fcng\u00fcll\u0259\u015fdir\u0259r.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>2023-c\u00fc ilin ikinci r\u00fcb\u00fcn\u00fcn \u00fcmumi renkinqin\u0259 g\u00f6r\u0259 AccessBank biznes kreditl\u0259rin\u0259 g\u00f6r\u0259 6-ci s\u0131radad\u0131r. Buna g\u00f6r\u0259 d\u0259 bank\u0131n b\u00f6lg\u0259l\u0259rd\u0259 filiallar\u0131n\u0131n aktivliyi \u00f6n plana ke\u00e7ib. Bank bu n\u0259tic\u0259ni \u0259ld\u0259 etm\u0259k \u00fc\u00e7\u00fcn hans\u0131 add\u0131mlar at\u0131r?<\/strong><br>AccessBank-\u0131n missiyas\u0131 mikro, ki\u00e7ik v\u0259 orta sahibkarl\u0131q m\u00fc\u0259ssis\u0259l\u0259rin\u0259 maliyy\u0259 xidm\u0259tl\u0259ri v\u0259 h\u0259ll\u0259ri t\u0259klif etm\u0259kl\u0259, Az\u0259rbaycan\u0131n dayan\u0131ql\u0131 inki\u015faf\u0131na t\u00f6hf\u0259 verm\u0259kdir. Bank\u0131n strategiyas\u0131nda \u0259sas \u00fcst\u00fcnl\u00fck biznes kredit portfelinin inki\u015faf\u0131d\u0131r. Bank son 2 ild\u0259 kredit portfelini 2 d\u0259f\u0259d\u0259n \u00e7ox art\u0131r\u0131b, h\u0259m\u00e7inin filial \u015f\u0259b\u0259k\u0259sini d\u0259 geni\u015fl\u0259ndirm\u0259y\u0259 nail olub. Bel\u0259 ki, AccessBank Nax\u00e7\u0131van Muxtar Respublikas\u0131nda, \u015e\u0259mkird\u0259, Q\u0259b\u0259l\u0259 v\u0259 Tovuzda yeni filiallar\u0131n\u0131 a\u00e7\u0131b, bir ne\u00e7\u0259 k\u00f6hn\u0259 filial\u0131 yeni konsepsiya il\u0259 \u0259sasl\u0131 t\u0259mir edib. Bank\u0131n b\u00f6y\u00fcm\u0259yi il\u0259 yana\u015f\u0131 komandas\u0131 da art\u0131r, haz\u0131rda 1500-\u0259 yax\u0131n \u0259m\u0259kda\u015f\u0131 var. Bu n\u0259tic\u0259l\u0259ri \u0259ld\u0259 etm\u0259k \u00fc\u00e7\u00fcn bank\u0131n g\u00fccl\u00fc t\u0259r\u0259fl\u0259ri &#8211; effektiv idar\u0259etm\u0259si, y\u00fcks\u0259k keyfiyy\u0259tli xidm\u0259ti, geni\u015f filial \u015f\u0259b\u0259k\u0259si, \u015f\u0259ffaf i\u015f prosesi v\u0259 g\u00fccl\u00fc komandas\u0131 var.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Ki\u00e7ik sahibkarlar\u0131n ya\u015f h\u0259ddi getdikc\u0259 cavanla\u015f\u0131r. Bu cavanla\u015fma banklar\u0131m\u0131z\u0131n i\u015fin\u0259 nec\u0259 t\u0259sir g\u00f6st\u0259rir? Kredit portfelini art\u0131rmaq daha da asanla\u015f\u0131r ya nec\u0259?<\/strong><br>Yeni n\u0259sil sahibkarlar\u0131n formala\u015fmas\u0131 banklar\u0131 sevindirir. Yeni n\u0259sil i\u015f adamlar\u0131 daha \u00e7ox r\u0259q\u0259msal kanallardan istifad\u0259y\u0259 \u00fcst\u00fcnl\u00fck verir, bu da \u00f6z n\u00f6vb\u0259sind\u0259 banklar\u0131n yeni \u00e7a\u011f\u0131r\u0131\u015flarla&nbsp; qar\u015f\u0131la\u015fd\u0131r\u0131r. Yeni n\u0259slin h\u0259m d\u0259 yeni m\u0259hsullara t\u0259l\u0259bl\u0259ri art\u0131r. Banklar da yeni texnologiyalara v\u0259 \u0130T istiqam\u0259tin\u0259 investisiya qoyur. Yeni texnologiyalar\u0131n t\u0259tbiqi il\u0259 banklar daha az insan \u0259m\u0259yind\u0259n istifad\u0259 edir v\u0259 zamana q\u0259na\u0259t edir. Bu da \u00f6z n\u00f6vb\u0259sind\u0259 xidm\u0259tin effektivliyini art\u0131r\u0131r. Lakin fikrimc\u0259, yeni texnologiyalar\u0131n k\u00f6m\u0259yi \u00e7ox olsa da, he\u00e7 bir ma\u015f\u0131n insan g\u00f6st\u0259rdiyi m\u00fcnasib\u0259ti v\u0259 istiliyi \u0259v\u0259z ed\u0259 bilm\u0259z. Bunlar\u0131 is\u0259 m\u00fc\u015ft\u0259ri AccessBank-da tap\u0131r.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Sahibkarlar \u00fc\u00e7\u00fcn yeni mikro kredit kart\u0131n\u0131n bazarda olan dig\u0259r kartlarla m\u00fcqayis\u0259d\u0259 \u00fcst\u00fcnl\u00fckl\u0259ri n\u0259l\u0259rdir?<\/strong><br>M\u00fcqayis\u0259 etm\u0259k ist\u0259mir\u0259m, lakin bu g\u00fcn biznes kredit kart\u0131 bazarda nadir m\u0259hsuldur. Kart\u0131n yarad\u0131lmas\u0131 ideyas\u0131 m\u00fc\u015ft\u0259ril\u0259rimizin ist\u0259kl\u0259ri n\u0259tic\u0259sind\u0259 yarand\u0131. Kredit kart\u0131 m\u0259hsulu istehlak istiqam\u0259tind\u0259 geni\u015f istifad\u0259 olunur. Biznes kredit kart\u0131n\u0131n \u0259sas m\u0259qs\u0259di is\u0259 x\u0131rda biznes x\u0259rcl\u0259rinin qar\u015f\u0131lanmas\u0131d\u0131r. Bunlara ezamiyy\u0259t x\u0259rcl\u0259ri, inzibati x\u0259rcl\u0259r, i\u015f g\u00f6r\u00fc\u015fl\u0259ri v\u0259 yaxud m\u00fcxt\u0259lif kollektiv y\u0131\u011f\u0131ncaqlar daxildir. \u018fsas\u0131 da odur ki, mikro kart\u0131 \u00e7ox tez bir zamanda v\u0259 s\u0259rf\u0259li \u015f\u0259rtl\u0259rl\u0259 \u0259ld\u0259 etm\u0259k m\u00fcmk\u00fcnd\u00fcr. &nbsp;&nbsp;<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u201c\u0130ll\u0259r \u0259rzind\u0259 i\u015fimizin \u00f6hd\u0259sind\u0259n pe\u015f\u0259karcas\u0131na g\u0259l\u0259r\u0259k, m\u00fc\u015ft\u0259ril\u0259rin g\u00fcv\u0259nini qazan\u0131b,&nbsp; bazarda lider m\u00f6vqeyimizi qorumu\u015fuq\u201d: Renat H\u00fcmb\u0259tov, AccessBank-\u0131n \u0130dar\u0259 Hey\u0259tinin \u00fczv\u00fc<\/p>\n","protected":false},"author":2,"featured_media":15180,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41,4],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/15179"}],"collection":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=15179"}],"version-history":[{"count":2,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/15179\/revisions"}],"predecessor-version":[{"id":15200,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/15179\/revisions\/15200"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/15180"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=15179"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=15179"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=15179"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}