{"product_id":"aib-five-forces-analysis","title":"AIB Group Porter's Five Forces Analysis","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDon't Miss the Bigger Picture\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eAIB Group faces moderate competitive rivalry with strong regulatory oversight, significant buyer power from corporate clients, manageable supplier leverage, low threat from substitutes for core banking services, and medium barriers deterring new entrants in Ireland’s banking market.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eS\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003euppliers Bargaining Power\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/5FORCES-Content-Suppliers-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCentral Bank and Regulatory influence\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe European Central Bank (ECB) and Central Bank of Ireland supply liquidity and regulation, setting interest rates and reserve rules that fix AIB Group’s funding cost and capital ratios; ECB deposit rate was 4.0% in Dec 2025 and Ireland’s counterparty rules raised reserve ratios by 0.25pp in 2024. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/5FORCES-Content-Suppliers-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and Cloud Service Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAIB depends on a few global cloud leaders—Microsoft Azure, Amazon Web Services, Google Cloud—for core digital banking and cloud infrastructure; in 2025 cloud spend in EU banking rose ~18% YoY, making these vendors strategically critical.\u003c\/p\u003e\n\u003cp\u003eSwitching costs are huge: migrating petabytes, re-certifying security, and rewriting apps can take 12–36 months and cost tens to hundreds of millions EUR; that gives suppliers strong bargaining power.\u003c\/p\u003e\n\u003cp\u003eBy 2026, continuous availability and cyber defenses (SLA uptimes 99.95%+, shared threat intelligence) make these providers indispensable for AIB’s retail and corporate services.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/5FORCES-Content-Suppliers-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/5FORCES-Content-Suppliers-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSkilled Labor and Specialized Talent\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSkilled talent in cybersecurity, data analytics, and fintech is scarce in Ireland and the UK; estimated shortfalls reached 27,000 cybersecurity roles in the UK in 2024 and Ireland reported a 22% rise in tech vacancies in 2023, so AIB competes with Big Tech and global banks for the same hires.\u003c\/p\u003e\n\u003cp\u003eThat scarcity lets specialists and boutique recruiters demand premium pay and flexible benefits; median UK cybersecurity salaries rose ~14% to £65,000 in 2024, pushing AIB to match or exceed market packages to retain staff.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/5FORCES-Content-Suppliers-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRetail and Corporate Depositors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eIndividual and business depositors supply AIB Group with the core funding for loans; retail deposits accounted for about 68% of AIB’s funding base in FY 2024, keeping reliance on wholesale markets lower.\u003c\/p\u003e\n\u003cp\u003eSingle depositors have little clout, but collective shifts toward higher-yield or fintech accounts force AIB to lift deposit rates—AIB’s average retail deposit rate rose from 0.25% in 2021 to ~0.95% in 2024.\u003c\/p\u003e\n\u003cp\u003eBy end-2025, faster digital banking and easier switching increased deposit mobility and collective bargaining power, pressuring margins and deposit beta in competitive segments.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eRetail deposits ~68% of funding (FY 2024)\u003c\/li\u003e\n\u003cli\u003eAvg retail deposit rate ~0.95% in 2024 (from 0.25% in 2021)\u003c\/li\u003e\n\u003cli\u003eDigital switching by 2025 raised deposit mobility and rate sensitivity\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/5FORCES-Content-Suppliers-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWholesale Funding and Debt Markets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eAIB taps international capital markets to issue bonds and secure long-term funding beyond deposits; in 2024 AIB issued €3.0bn in senior debt and held €18.5bn wholesale funding at year-end.\u003c\/p\u003e\n\u003cp\u003eSupplier power shows via credit ratings and market sentiment: AIB’s BBB+ (S\u0026amp;P, Nov 2024) rating raises borrowing costs vs. AA peers, so investors charge higher yields.\u003c\/p\u003e\n\u003cp\u003eAny rise in perceived risk lets institutional lenders demand wider spreads, squeezing AIB’s net interest margin; a 50 bp spread increase on €10bn funding costs ~€50m annual pre-tax.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAIB 2024 senior issuance: €3.0bn\u003c\/li\u003e\n\u003cli\u003eWholesale funding 2024: €18.5bn\u003c\/li\u003e\n\u003cli\u003eRating: BBB+ (S\u0026amp;P, Nov 2024)\u003c\/li\u003e\n\u003cli\u003e50 bp spread ≈ €50m\/year on €10bn\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/5FORCES-Content-Suppliers-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSuppliers’ leverage threatens AIB: cloud, talent, deposits \u0026amp; rating-driven funding costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSuppliers—central banks, cloud providers, skilled tech staff, depositors, and wholesale investors—exert moderate-to-high bargaining power on AIB through regulated liquidity\/costs, concentrated cloud dependence, scarce cybersecurity talent, rising deposit mobility, and credit-rating-sensitive funding spreads that can cost ~€50m\/year per 50bp on €10bn.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSupplier\u003c\/th\u003e\n\u003cth\u003eKey stat\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail deposits\u003c\/td\u003e\n\u003ctd\u003e68% funding (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCloud spend\u003c\/td\u003e\n\u003ctd\u003eEU banks +18% YoY (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRating\u003c\/td\u003e\n\u003ctd\u003eBBB+ (S\u0026amp;P, Nov 2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eUncovers key drivers of competition, customer influence, and market entry risks specific to AIB Group, evaluating supplier and buyer power, substitutes, competitive rivalry, and barriers that shape its profitability.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise Porter's Five Forces snapshot for AIB Group—distilling competitive pressures into one-sheet clarity to speed board-level decisions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomers Bargaining Power\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/5FORCES-Content-Customers-Cart-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRetail Consumer Price Sensitivity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eIndividual customers in Ireland and the UK now use price-comparison sites and apps to secure the lowest mortgage and loan rates, pushing AIB to keep retail pricing tight to avoid churn; 63% of UK mortgage seekers used comparison tools in 2024, per UK FCA data. By 2026, near-instant online comparisons have made customers more likely to switch for even 10–20 basis points better rates, pressuring AIB’s net interest margin. Retail price transparency raises acquisition costs as AIB matches rival offers and cashback deals to retain loans. This dynamic strengthens customer bargaining power and compresses product profitability.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/5FORCES-Content-Customers-Cart-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate Client Negotiation Leverage\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eLarge corporate and institutional clients account for roughly 25% of AIB Group’s €48bn corporate loan book (2025), giving them strong leverage to secure bespoke lending margins and fee waivers.\u003c\/p\u003e\n\u003cp\u003eThese clients routinely multi-bank—global banks like HSBC and Citi hold similar corporate shares—so AIB risks defections if pricing or services lag.\u003c\/p\u003e\n\u003cp\u003eTheir in-house treasury teams and external advisors drive tough contract terms, lowering AIB’s bargaining power in negotiations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/5FORCES-Content-Customers-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/5FORCES-Content-Customers-Cart-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eImpact of Switching Incentives\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRegulatory moves in Ireland and the UK—like the UK Current Account Switch Service and Irish switching codes plus mandated digital direct-debit porting—have cut switching friction sharply; UK switching completions rose 18% in 2023 to ~1.2m moves and Ireland reported a 22% rise in 2024 in retail switches, so customer exit is a continuous pressure on AIB’s retention, forcing more competitive pricing and faster digital onboarding to avoid margin erosion.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/5FORCES-Content-Customers-Cart-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSME Demand for Alternative Finance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpsmall and medium enterprises increasingly shift to non-traditional lenders fintechs for faster approvals flexible terms with uk fintech sme lending up year-over-year reducing smes dependence on aib growth capital.\u003e\n\u003cpaib must scale agile digital lending underwriting api integrations and tailored risk pricing stay preferred fintechs now capture of sme borrowing in markets aib serves so speed ux matter.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 fintech SME lending +28% to £9.2bn\u003c\/li\u003e\n\u003cli\u003eFintech share ~15% of SME loans\u003c\/li\u003e\n\u003cli\u003eNeed: faster underwriting, API, tailored pricing\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/paib\u003e\u003c\/psmall\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/5FORCES-Content-Customers-Cart-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Savvy and User Experience Expectations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eModern customers expect bank apps matching tech firms; 2024 UK\/Ireland data show 72% of customers use mobile-first banking and 41% would switch banks for a better app.\u003c\/p\u003e\n\u003cp\u003eIf AIB’s app trails challengers like Revolut (40m global users by 2024), transactional customers will defect, raising churn and lowering deposit stickiness.\u003c\/p\u003e\n\u003cp\u003eThis shifts bargaining power to consumers who now choose convenience over legacy brand loyalty, pressuring AIB to invest in UX and real-time features.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e72% mobile-first banking (2024)\u003c\/li\u003e\n\u003cli\u003e41% would switch for better app (2024)\u003c\/li\u003e\n\u003cli\u003eRevolut ~40m users (2024)\u003c\/li\u003e\n\u003cli\u003eHigher churn if UX lags\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/5FORCES-Content-Customers-Cart-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCustomers Drive Fierce Price Pressure and App-Driven Switching in Banking\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCustomers hold strong bargaining power: retail price transparency and easy switching (UK switches ~1.2m in 2023; Ireland +22% in 2024) force tight AIB pricing; corporate clients (~25% of AIB’s €48bn 2025 corporate book) demand bespoke terms; fintechs took ~15% SME loans with UK fintech SME lending +28% to £9.2bn in 2024; 72% mobile-first, 41% would switch for a better app.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eUK switches (2023)\u003c\/td\u003e\n\u003ctd\u003e~1.2m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIreland retail switches (2024)\u003c\/td\u003e\n\u003ctd\u003e+22%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate share\u003c\/td\u003e\n\u003ctd\u003e~25% of €48bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFintech SME share\u003c\/td\u003e\n\u003ctd\u003e~15%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFintech SME lending (UK 2024)\u003c\/td\u003e\n\u003ctd\u003e£9.2bn (+28%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile-first users (2024)\u003c\/td\u003e\n\u003ctd\u003e72%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWould switch for better app (2024)\u003c\/td\u003e\n\u003ctd\u003e41%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eSame Document Delivered\u003c\/span\u003e\u003cbr\u003eAIB Group Porter's Five Forces Analysis\u003c\/h2\u003e\n\u003cp\u003eThis preview shows the exact AIB Group Porter’s Five Forces analysis you’ll receive instantly after purchase—no placeholders or mockups; fully formatted and ready to use for strategic or investment decisions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56747098636665,"sku":"aib-five-forces-analysis","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/aib-five-forces-analysis.png?v=1772194941","url":"https:\/\/matrixbcg.com\/products\/aib-five-forces-analysis","provider":"matrixbcg.com","version":"1.0","type":"link"}