{"product_id":"oceanfirst-five-forces-analysis","title":"OceanFirst Financial 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\u003eA Must-Have Tool for Decision-Makers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eOceanFirst Financial operates in a regionally competitive banking sector where customer bargaining power, regulatory pressure, and digital disruption shape margins and growth prospects; this snapshot highlights key risks like margin compression and concentration but also strengths in community banking relationships and targeted commercial lending.\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\u003eAccess to Specialized Financial Technology Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOceanFirst depends on third-party vendors for core processing, cybersecurity, and digital banking; about 62% of its tech stack was outsourced in 2024, raising vendor importance.\u003c\/p\u003e\n\u003cp\u003eBy late 2025, five fintech firms control ~58% of regional-bank platforms, increasing switching costs to an estimated $8–15 million per system migration for a bank OceanFirst’s size.\u003c\/p\u003e\n\u003cp\u003eThose suppliers set the innovation agenda, so OceanFirst must keep tight strategic partnerships and commit to co-development deals to stay competitive.\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\u003eCompetition for Skilled Professional Talent\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpthe supply of specialized risk compliance and digital talent is tight in the new york philadelphia metros with vacancy rates for fintech-skilled roles near points year-over-year hiring costs.\u003e\n\u003cp\u003eOceanFirst Financial must offer market-competitive pay; median analyst total cash in NYC-area banks reached $145,000 in 2024, and executive compensation for risk heads averages $420,000, pressuring budgets.\u003c\/p\u003e\n\u003cp\u003eThis supplier-side wage pressure raises operating expenses and compresses net interest margin; a 25–40 basis-point rise in labor costs could cut 2025 EPS by ~3–6% on OceanFirst’s $0.95 2024 EPS base.\u003c\/p\u003e\n\u003c\/pthe\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\u003eCost of Wholesale Funding and Capital Markets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSuppliers of capital, like institutional investors and wholesale markets, push OceanFirst's funding costs via interest spreads and credit terms; FHLB advance premiums rose to ~40 bps in 2024 and corporate debt yields hardened, lifting banks' marginal funding costs.\u003c\/p\u003e\n\u003cp\u003eBy end-2025, expected swings in FHLB premiums and BBB corporate spreads (recently ~180–220 bps) will directly affect OceanFirst's cost of funds and loan funding mix.\u003c\/p\u003e\n\u003cp\u003eOceanFirst must grow core deposits—net deposit growth of 3–5% annually needed—to offset higher wholesale rates and protect a targeted net interest margin near 3.0%.\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\u003eRegulatory and Compliance Oversight Requirements\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpgovernmental and regulatory bodies act as non-market suppliers providing the legal framework licenses banks need to operate for oceanfirst financial this means compliance is effectively a fixed input that can be bargained.\u003e\n\u003cpby higher capital adequacy iii endgame and tighter consumer-protection rules push banks to spend heavily on compliance total costs reached about billion in regional typically allocate of operating expenses compliance.\u003e\n\u003cpthese regulatory demands are non-negotiable and force oceanfirst to prioritize resource allocation tech staff flexibility for growth initiatives increasing supplier power.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eRegulatory role: licensing, law, supervision\u003c\/li\u003e\n\u003cli\u003e2023 US bank compliance spend: ~$80B\u003c\/li\u003e\n\u003cli\u003eRegional banks allocate 5–8% of Opex to compliance\u003c\/li\u003e\n\u003cli\u003eBasel III endgame increases capital requirements by 2025\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pthese\u003e\u003c\/pby\u003e\u003c\/pgovernmental\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\u003ePrice Volatility of Deposit Insurance and Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eFDIC assessments and clearing fees are essential supplier costs OceanFirst cannot avoid; in 2024 FDIC risk-based assessment rates ranged from 3 to 29 basis points and the Deposit Insurance Fund rose to $136.6 billion on Sept 30, 2024, so premium changes hit bank margins regardless of OceanFirst’s performance.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eEssential service: FDIC insurance + clearing services\u003c\/li\u003e\n\u003cli\u003eLimited negotiation power on assessment rates\u003c\/li\u003e\n\u003cli\u003e2024 DIF balance $136.6B; assessment band 3–29 bps\u003c\/li\u003e\n\u003cli\u003eCosts tied to systemic risk, not individual bank\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 Hold the Levers: Outsourced Tech, Fintech Concentration \u0026amp; Rising Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSuppliers (tech vendors, talent, capital, regulators, FDIC) hold strong leverage over OceanFirst—outsourcing ~62% of tech in 2024, migration costs $8–15M, fintech platform concentration ~58% (2025), NYC fintech vacancy 5.8% (2024), median analyst pay $145k, FHLB premium ~40bps (2024), FDIC DIF $136.6B (9\/30\/2024), compliance spend pressures (US $80B, 2023).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003eKey 2024–25\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eOutsourced tech\u003c\/td\u003e\n\u003ctd\u003e62%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMigration cost\u003c\/td\u003e\n\u003ctd\u003e$8–15M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFintech share\u003c\/td\u003e\n\u003ctd\u003e~58%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFintech vacancy\u003c\/td\u003e\n\u003ctd\u003e5.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFDIC DIF\u003c\/td\u003e\n\u003ctd\u003e$136.6B\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\u003eTailored Porter's Five Forces analysis for OceanFirst Financial that uncovers competitive drivers, customer and supplier influence, entry barriers, substitutes, and disruptive threats to assess pricing power and strategic positioning.\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\u003eClear, one-sheet Porter's Five Forces for OceanFirst—instantly highlights competitive pressures and relief strategies for quick boardroom 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\u003eLow Switching Costs for Retail Depositors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eIn 2025’s digital-first market, retail depositors move funds fast via apps—ACH and instant transfers cut friction to under a day—so OceanFirst must match rates and UX to retain balances; US online savings yields averaged 3.8% in 2024 versus community bank medians ~0.5%, forcing price competition.\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\u003ePrice Sensitivity in Commercial Lending Markets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBusiness clients in New Jersey and Pennsylvania often solicit bids from multiple lenders to secure the lowest interest rates; surveys show 62% of regional commercial borrowers requested three+ bids in 2024, raising customer bargaining power.\u003c\/p\u003e\n\u003cp\u003eCommercial loans made up about 48% of OceanFirst Financial’s loan book at year-end 2024, so these sophisticated buyers can push rates and covenants hard.\u003c\/p\u003e\n\u003cp\u003eTo compete, OceanFirst must emphasize relationship management and tailor credit structures—senior-lien pricing, covenant flexibility, and bundled treasury services—rather than competing on price alone.\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\u003eHeightened Expectations for Integrated Digital Experiences\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eModern banking customers demand seamless integration across mobile apps, accounting software, and payment rails; 72% of U.S. consumers in 2024 expected cross-platform syncing, raising churn risk for banks without it.\u003c\/p\u003e\n\u003cp\u003eFor OceanFirst Financial, failure to offer frictionless interfaces risks migration to national banks or fintechs—Chime and Stripe saw 15–25% customer growth in 2023–24 among digitally-first users.\u003c\/p\u003e\n\u003cp\u003eThis constant tech arms race gives customers the leverage to set service standards and forces ongoing investment in APIs, UX, and partnerships.\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\u003eInformation Transparency and Rate Comparison Tools\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe widespread availability of real-time rate-comparison sites lets customers compare mortgage and loan rates instantly, shrinking banks’ information advantage and forcing OceanFirst Financial to match market pricing; in 2025, 68% of US mortgage shoppers used online rate tools, per Consumer Mortgage Trends, pushing spreads down ~15 bps in regional banks.\u003c\/p\u003e\n\u003cp\u003eCustomers now enter negotiations well-informed, increasing price pressure and reducing OceanFirst’s ability to sustain premiums, so the bank often prices within ±10–20 bps of national and regional averages to retain volume.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e68% of mortgage shoppers used online tools in 2025\u003c\/li\u003e\n\u003cli\u003eRegional bank spreads compressed ~15 basis points\u003c\/li\u003e\n\u003cli\u003eOceanFirst targets pricing within ±10–20 bps of market\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\/5FORCES-Content-Customers-Cart-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eConcentration of Large Commercial Relationships\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eA concentrated set of large commercial and CRE (commercial real estate) clients likely accounts for a material share of OceanFirst Financials revenue—industry peers show top 10 commercial customers can represent 20–35% of commercial loan balances. These clients wield strong bargaining power to demand lower fees, customized covenants, and priority service, pressuring margins and pricing flexibility. Losing one major relationship could cut local deposits and loans by double-digit percents and dent 2025 earnings per share.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTop-10 client share: ~20–35% of commercial loans\u003c\/li\u003e\n\u003cli\u003eFee\/margin pressure: bespoke pricing common\u003c\/li\u003e\n\u003cli\u003eLoss impact: double-digit % local deposit\/loan drop\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 Pricing: Deposit Yield Chasing, Tool-Driven Shopping, Looming Commercial Concentration\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCustomers hold high bargaining power: retail depositors chase yields (US online savings 3.8% in 2024), 68% used online rate tools in 2025, regional spreads compressed ~15 bps, and top-10 commercial clients can be 20–35% of loan balances—forcing OceanFirst to match pricing and offer tailored credit and tech services.\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\u003eOnline savings yield (2024)\u003c\/td\u003e\n\u003ctd\u003e3.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMortgage shoppers using tools (2025)\u003c\/td\u003e\n\u003ctd\u003e68%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRegional spread compression\u003c\/td\u003e\n\u003ctd\u003e~15 bps\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTop-10 commercial share\u003c\/td\u003e\n\u003ctd\u003e20–35%\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 the Actual Deliverable\u003c\/span\u003e\u003cbr\u003eOceanFirst Financial Porter's Five Forces Analysis\u003c\/h2\u003e\n\u003cp\u003eThis preview shows the exact OceanFirst Financial Porter’s Five Forces analysis you’ll receive immediately after purchase—fully formatted, professionally written, and ready to download with no placeholders or mockups.\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":56747557028217,"sku":"oceanfirst-five-forces-analysis","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/oceanfirst-five-forces-analysis.png?v=1772199801","url":"https:\/\/matrixbcg.com\/products\/oceanfirst-five-forces-analysis","provider":"MatrixBCG","version":"1.0","type":"link"}