{"id":527206,"date":"2026-04-07T12:58:37","date_gmt":"2026-04-07T16:58:37","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=527206"},"modified":"2026-04-07T15:15:01","modified_gmt":"2026-04-07T19:15:01","slug":"bolt-facing-financial-struggles-pivots-from-super-app-to-ai","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\/","title":{"rendered":"Bolt, Facing Financial Struggles, Pivots from Super App to AI"},"content":{"rendered":"\n<p>Bolt, the one-click checkout solution turned financial super app that has raised nearly $1 billion in venture capital, has laid off a third of its staff and announced a pivot to AI\u2014apparently a last-ditch effort to save the company.<\/p>\n\n\n\n<p>The layoffs come amid reports of financial strain and difficulty paying vendors. <a href=\"https:\/\/fintechbusinessweekly.substack.com\/p\/bolt-bloodbath-one-third-of-staff\" target=\"_blank\" rel=\"noreferrer noopener\">Fintech Business Weekly<\/a> reports that Bolt has struggled to cover even mission-critical necessities, including Amazon Web Services, since the start of the year. The company has also eliminated most of its independent contractors, some of whom have not been paid since January.<\/p>\n\n\n\n<p>The downfall has been swift for the company that <a href=\"https:\/\/www.paymentsjournal.com\/bolt-makes-bid-for-super-app-dominance\/\" target=\"_blank\" rel=\"noreferrer noopener\">announced its super app<\/a> just a year earlier. The platform was billed as a one-stop solution for digital banking, crypto trading, peer-to-peer payments, and even featured an AI agent capable of shopping, making recommendations, and completing purchases on behalf of users.<\/p>\n\n\n\n<p>Despite the fanfare, the super app has failed to gain traction. Google Play shows only about 5,000 downloads, far below <a href=\"https:\/\/www.prnewswire.com\/news-releases\/bolt-launches-first-of-its-kind-finance--crypto-superapp-to-radically-simplify-how-consumers-move-money-302430496.html\" target=\"_blank\" rel=\"noreferrer noopener\">Bolt\u2019s claim<\/a> of a \u201cnetwork of 80+ million U.S. shoppers.\u201d For context, the banking app MoneyLion has more than 5 million downloads, according to Fintech Business Weekly.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-moving-forward-from-merchants\">Moving Forward from Merchants<\/h2>\n\n\n\n<p>Originally, Bolt built its reputation by offering checkout solutions for merchants, but the company believed that expanding into a consumer-focused super app would drive broader adoption of its services.<\/p>\n\n\n\n<p>\u201cBolt tried to compete with Shopify&#8217;s ShopPay and EWS&#8217; Paze, which offer one-click checkouts,\u201d said <a href=\"https:\/\/javelinstrategy.com\/our-team\/don-apgar-0\" target=\"_blank\" rel=\"noreferrer noopener\">Don Apgar<\/a>, Director of Merchant Payments at Javelin Strategy &amp; Research. \u201cBoth ShopPay and Paze are marketed primarily to merchants, adding value by reducing cart abandonment and facilitating guest checkouts. Bolt took a different approach by marketing to consumers, offering a discount shopping plan through their network of merchants. Merchants are enticed to sign up on the premise that Bolt can deliver customers, so it becomes a marketing play, not an operational advantage.\u201d<\/p>\n\n\n\n<p>\u201cAt the end of the day, their value prop isn&#8217;t compelling enough to consumers and doesn&#8217;t resonate with merchants that already have strong brands,\u201d he said. \u201cBolt has constructed a network of struggling brands trying to attract consumers, while struggling to attract consumers with a network of merchants that doesn&#8217;t include any household names.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-will-ai-help\">Will AI Help?<\/h2>\n\n\n\n<p>Bolt\u2019s next move is a pivot to AI, which it hopes will accelerate product development and improve operational efficiency.<\/p>\n\n\n\n<p>\u201cAI may help cut costs and drive efficiency but won&#8217;t help a lukewarm value proposition,\u201d said Apgar. \u201cIf you&#8217;re going in the wrong direction, getting there faster won&#8217;t help you much. Unless somebody buys them, Bolt will likely be gone by the end of the year.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bolt, the one-click checkout solution turned financial super app that has raised nearly $1 billion in venture capital, has laid off a third of its staff and announced a pivot to AI\u2014apparently a last-ditch effort to save the company. The layoffs come amid reports of financial strain and difficulty paying vendors. Fintech Business Weekly reports [&hellip;]<\/p>\n","protected":false},"author":8441,"featured_media":273098,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":{"id":"14585"},"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[137,1261],"tags":[65460,65648,64427,1169,62601],"class_list":["post-527206","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysts-coverage","category-merchant","tag-amazon-web-services","tag-bolt","tag-paze","tag-shopify","tag-super-app"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Bolt, Facing Financial Struggles, Pivots from Super App to AI - PaymentsJournal<\/title>\n<meta name=\"description\" content=\"Bolt, the one-click checkout solution turned financial super app, has laid off a third of its staff and announced a pivot to AI.\" \/>\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.paymentsjournal.com\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bolt, Facing Financial Struggles, Pivots from Super App to AI\" \/>\n<meta property=\"og:description\" content=\"Bolt, the one-click checkout solution turned financial super app, has laid off a third of its staff and announced a pivot to AI.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paymentsjournal.com\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\/\" \/>\n<meta property=\"og:site_name\" content=\"PaymentsJournal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/paymentsjournal\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-07T16:58:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-07T19:15:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2021\/06\/spending-money-design_1133-151.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"626\" \/>\n\t<meta property=\"og:image:height\" content=\"626\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tom Nawrocki\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:site\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tom Nawrocki\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\\\/\"},\"author\":{\"name\":\"Tom Nawrocki\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/1c5a9b5ae3fe844a1abcff9194dc5a71\"},\"headline\":\"Bolt, Facing Financial Struggles, Pivots from Super App to AI\",\"datePublished\":\"2026-04-07T16:58:37+00:00\",\"dateModified\":\"2026-04-07T19:15:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\\\/\"},\"wordCount\":450,\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/spending-money-design_1133-151.jpg\",\"keywords\":[\"Amazon Web Services\",\"Bolt\",\"Paze\",\"Shopify\",\"Super App\"],\"articleSection\":[\"Analysts Coverage\",\"Merchant\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2026\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\\\/\",\"name\":\"Bolt, Facing Financial Struggles, Pivots from Super App to AI - PaymentsJournal\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/spending-money-design_1133-151.jpg\",\"datePublished\":\"2026-04-07T16:58:37+00:00\",\"dateModified\":\"2026-04-07T19:15:01+00:00\",\"description\":\"Bolt, the one-click checkout solution turned financial super app, has laid off a third of its staff and announced a pivot to AI.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.paymentsjournal.com\\\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/spending-money-design_1133-151.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/spending-money-design_1133-151.jpg\",\"width\":626,\"height\":626,\"caption\":\"3 Ways to Mend Your Broken Business Spend Management\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Bolt, Facing Financial Struggles, Pivots from Super App to AI\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\",\"name\":\"PaymentsJournal\",\"description\":\"Payments Content, Expert Insights and Timely News\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.paymentsjournal.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\",\"name\":\"PaymentsJournal\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-paymentsjournal-icon.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-paymentsjournal-icon.jpg\",\"width\":512,\"height\":512,\"caption\":\"PaymentsJournal\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/paymentsjournal\\\/\",\"https:\\\/\\\/x.com\\\/paymentsjournal\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/paymentsjournal\\\/\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UC8yheGWcDLrJkPlxW-_JvRw?view_as\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/1c5a9b5ae3fe844a1abcff9194dc5a71\",\"name\":\"Tom Nawrocki\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Thomas-Nawrocki-Headshot-150x150.jpg\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Thomas-Nawrocki-Headshot-150x150.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Thomas-Nawrocki-Headshot-150x150.jpg\",\"caption\":\"Tom Nawrocki\"},\"description\":\"Tom Nawrocki serves as a Staff Writer at PaymentsJournal.com, where he covers the latest trends and developments in the payments industry.\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/author\\\/tom-nawrocki\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Bolt, Facing Financial Struggles, Pivots from Super App to AI - PaymentsJournal","description":"Bolt, the one-click checkout solution turned financial super app, has laid off a third of its staff and announced a pivot to AI.","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.paymentsjournal.com\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\/","og_locale":"en_US","og_type":"article","og_title":"Bolt, Facing Financial Struggles, Pivots from Super App to AI","og_description":"Bolt, the one-click checkout solution turned financial super app, has laid off a third of its staff and announced a pivot to AI.","og_url":"https:\/\/www.paymentsjournal.com\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\/","og_site_name":"PaymentsJournal","article_publisher":"https:\/\/www.facebook.com\/paymentsjournal\/","article_published_time":"2026-04-07T16:58:37+00:00","article_modified_time":"2026-04-07T19:15:01+00:00","og_image":[{"width":626,"height":626,"url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2021\/06\/spending-money-design_1133-151.jpg","type":"image\/jpeg"}],"author":"Tom Nawrocki","twitter_card":"summary_large_image","twitter_creator":"@paymentsjournal","twitter_site":"@paymentsjournal","twitter_misc":{"Written by":"Tom Nawrocki","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.paymentsjournal.com\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\/#article","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\/"},"author":{"name":"Tom Nawrocki","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/1c5a9b5ae3fe844a1abcff9194dc5a71"},"headline":"Bolt, Facing Financial Struggles, Pivots from Super App to AI","datePublished":"2026-04-07T16:58:37+00:00","dateModified":"2026-04-07T19:15:01+00:00","mainEntityOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\/"},"wordCount":450,"publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2021\/06\/spending-money-design_1133-151.jpg","keywords":["Amazon Web Services","Bolt","Paze","Shopify","Super App"],"articleSection":["Analysts Coverage","Merchant"],"inLanguage":"en-US","copyrightYear":"2026","copyrightHolder":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.paymentsjournal.com\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\/","url":"https:\/\/www.paymentsjournal.com\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\/","name":"Bolt, Facing Financial Struggles, Pivots from Super App to AI - PaymentsJournal","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\/#primaryimage"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2021\/06\/spending-money-design_1133-151.jpg","datePublished":"2026-04-07T16:58:37+00:00","dateModified":"2026-04-07T19:15:01+00:00","description":"Bolt, the one-click checkout solution turned financial super app, has laid off a third of its staff and announced a pivot to AI.","breadcrumb":{"@id":"https:\/\/www.paymentsjournal.com\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.paymentsjournal.com\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\/#primaryimage","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2021\/06\/spending-money-design_1133-151.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2021\/06\/spending-money-design_1133-151.jpg","width":626,"height":626,"caption":"3 Ways to Mend Your Broken Business Spend Management"},{"@type":"BreadcrumbList","@id":"https:\/\/www.paymentsjournal.com\/bolt-facing-financial-struggles-pivots-from-super-app-to-ai\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.paymentsjournal.com\/"},{"@type":"ListItem","position":2,"name":"Bolt, Facing Financial Struggles, Pivots from Super App to AI"}]},{"@type":"WebSite","@id":"https:\/\/www.paymentsjournal.com\/#website","url":"https:\/\/www.paymentsjournal.com\/","name":"PaymentsJournal","description":"Payments Content, Expert Insights and Timely News","publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.paymentsjournal.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.paymentsjournal.com\/#organization","name":"PaymentsJournal","url":"https:\/\/www.paymentsjournal.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","width":512,"height":512,"caption":"PaymentsJournal"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/paymentsjournal\/","https:\/\/x.com\/paymentsjournal","https:\/\/www.linkedin.com\/company\/paymentsjournal\/","https:\/\/www.youtube.com\/channel\/UC8yheGWcDLrJkPlxW-_JvRw?view_as"]},{"@type":"Person","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/1c5a9b5ae3fe844a1abcff9194dc5a71","name":"Tom Nawrocki","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2023\/11\/Thomas-Nawrocki-Headshot-150x150.jpg","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2023\/11\/Thomas-Nawrocki-Headshot-150x150.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2023\/11\/Thomas-Nawrocki-Headshot-150x150.jpg","caption":"Tom Nawrocki"},"description":"Tom Nawrocki serves as a Staff Writer at PaymentsJournal.com, where he covers the latest trends and developments in the payments industry.","url":"https:\/\/www.paymentsjournal.com\/author\/tom-nawrocki\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/527206","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/users\/8441"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/comments?post=527206"}],"version-history":[{"count":0,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/527206\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media\/273098"}],"wp:attachment":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media?parent=527206"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/categories?post=527206"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/tags?post=527206"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}