{"product_id":"insigniafinancial-business-model-canvas","title":"IOOF Business Model Canvas","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\u003eIOOF Business Model Canvas: Actionable Blueprint to Monetise Advice-Led Wealth Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eUnlock the full strategic blueprint behind IOOF’s business model—this concise Business Model Canvas exposes how the firm creates value, scales advice-led services, and monetises client relationships in a shifting wealth-management market.\u003c\/p\u003e\n\u003cp\u003eDownload the complete, editable Canvas (Word \u0026amp; Excel) for a section-by-section breakdown, competitive insights, and practical takeaways—ideal for investors, advisors, and strategists ready to act.\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\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\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\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExternal Asset Managers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCollaborating with global and boutique investment firms lets Insignia (IOOF\/Insignia Financial) offer diversified specialist funds—over 120 third-party strategies across equities, fixed income, real assets and alternatives as of FY2025—feeding multi-manager portfolios and platform menus. These partners supply the investment expertise so Insignia can cover niche asset classes without directly managing each strategy, keeping platform AUM scalable (A$150bn+ group AUM, FY2025).\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\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndependent Financial Advisers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eA significant share of IOOF’s retail inflows comes from non-aligned independent financial advisers who recommend Insignia platforms; in FY2024 advisers drove roughly 45% of new net cash flows into the Expand platform (≈A$1.1bn of A$2.4bn total inflows). Maintaining SLAs and dedicated adviser support teams is a strategic priority to protect and grow market share in advice-led distribution.\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\/CANVAS-Content-Partnerships-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\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and Infrastructure Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePartnering with major software and cloud providers (eg, AWS, Microsoft Azure, Salesforce) keeps IOOF’s digital wealth platforms secure and compliant; in 2024 IOOF reported ~35% of IT spend aimed at cloud migration to cut legacy costs and boost resilience. \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\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance Underwriters\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eInsignia partners with major Australian life insurers to embed life, total and permanent disability (TPD), and income protection within IOOF super and pension products, covering ~850,000 members as of FY2024.\u003c\/p\u003e\n\u003cp\u003eThese alliances target competitive premiums and tailored cover bands across cohorts, with negotiated claim acceptance rates near industry average ~85% and periodic rate reviews to control cost.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~850,000 members covered (FY2024)\u003c\/li\u003e\n\u003cli\u003eLife, TPD, income protection integrated\u003c\/li\u003e\n\u003cli\u003eClaim acceptance ~85% (industry avg)\u003c\/li\u003e\n\u003cli\u003eRegular premium and coverage reviews\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\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory and Compliance Bodies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMaintaining active engagement with ASIC and APRA underpins IOOF’s operational stability, including quarterly reporting, license renewals, and implementing changes from the 2024 Financial Accountability and Transparency reforms; IOOF reported 98% timeliness on regulatory submissions in FY2024.\u003c\/p\u003e\n\u003cp\u003eProactive cooperation reduces legal risk, keeps IOOF aligned with best practices, and supports compliance costs—IOOF spent A$62m on compliance in FY2024 (3.1% of operating costs).\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eQuarterly reporting and license management\u003c\/li\u003e\n\u003cli\u003eImplementation of 2024 accountability reforms\u003c\/li\u003e\n\u003cli\u003e98% on-time submissions in FY2024\u003c\/li\u003e\n\u003cli\u003eA$62m compliance spend (FY2024)\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\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIOOF\/Insignia: 120+ managers, 850k insured, A$1.1bn adviser inflows, 35% cloud\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eIOOF\/Insignia’s key partners—120+ third‑party investment managers (FY2025), 850k life-insurance members (FY2024), major cloud vendors (35% IT spend on cloud, 2024), and adviser networks (≈45% of Expand inflows FY2024)—supply specialist strategies, distribution, tech resilience and embedded insurance while IOOF spends A$62m on compliance (FY2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003eYear\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eThird‑party managers\u003c\/td\u003e\n\u003ctd\u003e120+ strategies\u003c\/td\u003e\n\u003ctd\u003eFY2025\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdviser networks\u003c\/td\u003e\n\u003ctd\u003e45% of Expand inflows (≈A$1.1bn)\u003c\/td\u003e\n\u003ctd\u003eFY2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInsurance partners\u003c\/td\u003e\n\u003ctd\u003e~850,000 members\u003c\/td\u003e\n\u003ctd\u003eFY2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCloud vendors\u003c\/td\u003e\n\u003ctd\u003e35% IT spend to cloud\u003c\/td\u003e\n\u003ctd\u003e2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance\u003c\/td\u003e\n\u003ctd\u003eA$62m spend; 98% on‑time filings\u003c\/td\u003e\n\u003ctd\u003eFY2024\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\u003eA concise, pre-built Business Model Canvas for IOOF that maps customer segments, channels, value propositions, and nine BMC blocks with narrative, competitive analysis, SWOT linkage, and polished design to support presentations, funding discussions, and strategic decision-making.\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\u003eCondenses IOOF’s wealth management and trustee services into a one-page, editable Business Model Canvas—ideal for quickly identifying core value propositions, revenue streams, and partner relationships to streamline strategy sessions and board reviews.\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\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\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\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Platform Administration\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eIOOF runs and upgrades its wealth administration platforms that custody over A$250 billion in client assets (FY2024), handling millions of transactions annually, producing tax reports for 300,000+ accounts, and maintaining sub-second data sync for advisers and clients; efficient platform ops cut processing costs and enable scaling while meeting regulatory and SLA targets.\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\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Advice Delivery\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eProviding professional planning via IOOF’s network of aligned, salaried advisers is a core activity, delivering holistic health checks, retirement plans and complex investment strategies; in FY2024 IOOF reported 1,200 advisers managing A$74.8 billion in FUM (funds under management), focused on lifecycle advice as clients face rising longevity and 3.5% CPI inflation pressures. This helps clients navigate life-stage shifts and volatile markets with tailored strategies.\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\/CANVAS-Content-Activities-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\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment Portfolio Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe firm actively manages diversified multi-asset portfolios and direct mandates with A$120+ billion funds under advice and stewardship (IOOF Group FY2024), requiring daily market research, quarterly asset-allocation shifts, and monthly performance monitoring versus benchmarks like MSCI and Bloomberg indices.\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\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCompliance and Risk Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOperating in Australia’s regulated wealth sector forces IOOF to monitor processes and adviser conduct daily; in 2024 IOOF reported compliance costs rose 18% to AUD 72m as governance and audit spend climbed after 2021 remediation programs.\u003c\/p\u003e\n\u003cp\u003eRigorous audits, risk assessments, and governance frameworks protect clients and the licence; a strong compliance culture reduced adviser-related breaches by 27% year-on-year to 48 incidents in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCompliance spend: AUD 72m (2024)\u003c\/li\u003e\n\u003cli\u003eAdviser breaches: 48 (2024), down 27%\u003c\/li\u003e\n\u003cli\u003eAudit frequency: quarterly for high-risk units\u003c\/li\u003e\n\u003cli\u003eLicense retention tied to ASIC remediation progress\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\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProduct Development and Innovation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eIOOF prioritises product development for retirees and investors, launching tailored superannuation and income-stream solutions after analysing demographic shifts (Australia 65+ population rose to 16.6% in 2024) and economic trends; R\u0026amp;D drove three new income products in 2024, targeting a projected AU$12bn addressable market for retirement income by 2028.\u003c\/p\u003e\n\u003cp\u003eInnovation keeps IOOF competitive versus banks and fintechs—digital engagement rose 28% in 2024, and product cycle time cut to 9 months, helping retain A$230bn funds under administration.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFocus: retiree super and income streams\u003c\/li\u003e\n\u003cli\u003eData: 65+ = 16.6% (Australia, 2024)\u003c\/li\u003e\n\u003cli\u003e2024: 3 new products; 9-month cycle\u003c\/li\u003e\n\u003cli\u003eDigital use +28% (2024)\u003c\/li\u003e\n\u003cli\u003eAUA ~A$230bn, addressable AU$12bn by 2028\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\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIOOF: A$250bn custody, A$120bn mandates, A$74.8bn FUM, +28% digital growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eIOOF operates and upgrades platforms custodying A$250bn (FY2024), services 300k+ accounts, employs 1,200 advisers managing A$74.8bn FUM, oversees A$120bn mandates, and spent AUD72m on compliance in 2024 while launching 3 retirement products and raising digital use +28%.\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\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eAssets custody\u003c\/td\u003e\n\u003ctd\u003eA$250bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAccounts\u003c\/td\u003e\n\u003ctd\u003e300,000+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdvisers\u003c\/td\u003e\n\u003ctd\u003e1,200\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFUM\u003c\/td\u003e\n\u003ctd\u003eA$74.8bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMandates\u003c\/td\u003e\n\u003ctd\u003eA$120bn+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance spend\u003c\/td\u003e\n\u003ctd\u003eAUD72m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNew products\u003c\/td\u003e\n\u003ctd\u003e3\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital use change\u003c\/td\u003e\n\u003ctd\u003e+28%\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;\"\u003ePreview Before You Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the actual IOOF Business Model Canvas you’ll receive—no mockups or samples—directly taken from the final file. \u003c\/p\u003e\n\u003cp\u003eWhen you purchase, you’ll get this same complete, professionally formatted document ready for editing, presenting, and sharing. \u003c\/p\u003e\n\u003cp\u003eNo hidden content or placeholders: what you see here is exactly what will be delivered to you. \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":56749622985081,"sku":"insigniafinancial-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/insigniafinancial-business-model-canvas.png?v=1772216065","url":"https:\/\/matrixbcg.com\/products\/insigniafinancial-business-model-canvas","provider":"MatrixBCG","version":"1.0","type":"link"}