{"product_id":"provident-bcg-matrix","title":"Provident Financial Services Boston Consulting Group Matrix","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\u003eUnlock Strategic Clarity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eProvident Financial Services’ BCG Matrix snapshot highlights which business lines are fueling growth versus those that may need divestment or reinvention—an essential view for prioritizing capital and strategy. This preview teases quadrant placements and high-level implications, but the full BCG Matrix delivers quadrant-by-quadrant data, actionable recommendations, and visuals to guide investment or restructuring decisions. Purchase the complete report for a ready-to-use Word analysis plus an Excel summary to present, plan, and act with confidence.\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\"\u003etars\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\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommercial and Industrial Lending Expansion\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFollowing the Jan 2025 close of Lakeland Bancorp, Provident Financial Services controls roughly 28% of middle-market commercial lending in northern New Jersey and parts of New York, becoming a market leader for firms with $10M–$250M revenues.\u003c\/p\u003e\n\u003cp\u003eThe unit supplies syndicated and bespoke credit lines, CRE loans, and cash-management facilities, capturing ~34% of the firm’s loan originations and driving a 22% year-over-year rise in interest income in 2025.\u003c\/p\u003e\n\u003cp\u003eIt demands elevated capital: loan loss reserves rose to 1.8% of loans and relationship management costs add ~15% to annual operating expenses, but yields median loan spreads of 320 basis points, the bank’s highest-return portfolio.\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\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Banking and Fintech Integration\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eProvident’s digital banking push targets millennials and Gen Z, a segment growing ~6.8% CAGR to reach 1.9B global users by 2025; mobile-first features drove a 28% YoY rise in new accounts in 2024.\u003c\/p\u003e\n\u003cp\u003eIntegrated fintech tools lifted average deposits per digital customer to $4,300 in 2024, while digital users now represent 52% of active retail clients.\u003c\/p\u003e\n\u003cp\u003eIT and cybersecurity capex rose to $210M in 2024 (up 42% YoY), a heavy cash burn but critical to secure future retail leadership.\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\/BCG-Content-Stars-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\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Beacon Trust Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe wealth management division sits in the BCG Matrix star quadrant: regional HNW (high-net-worth) households grew 8.4% CAGR 2019–2024, driving demand for complex estate planning and boosting fee revenue.\u003c\/p\u003e\n\u003cp\u003eBeacon Trust grew assets under management to $9.2 billion as of 31 Dec 2025, increasing market share vs national firms and showing higher-than-peer net new assets.\u003c\/p\u003e\n\u003cp\u003eTo convert this star into a cash generator, invest in advisory hires and AI-backed portfolio tech; a $15–20m 3-year spend could lift operating margin 350–450 bps.\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\/BCG-Content-Stars-Star-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMulti-Family Residential Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMulti-Family Residential Lending sits in the Stars quadrant: tri-state housing shortage lifts demand, driving 18% YoY loan growth in 2025 and a 24% market share in regional construction financing for Provident Financial Services.\u003c\/p\u003e\n\u003cp\u003eProvident is the go-to lender for developers, funding $1.2B in large-scale urban projects YTD 2025 with flexible structures; returns are strong but require tight credit monitoring and $150M+ capital buffers.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e18% YoY loan growth (2025)\u003c\/li\u003e\n\u003cli\u003e24% regional market share\u003c\/li\u003e\n\u003cli\u003e$1.2B funded YTD 2025\u003c\/li\u003e\n\u003cli\u003e$150M+ capital support reserved\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\/BCG-Content-Stars-Star-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTreasury Management Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eProvident Financial Services’ Treasury Management Solutions is a star: revenues grew 28% YoY to $74.6M in FY2025 as the unit captured 42% of local municipal operating accounts and 35% of regional corporate accounts, driving fee income that now represents 18% of total noninterest revenue.\u003c\/p\u003e\n\u003cp\u003eThe business needs ongoing tech investment—Provident spent $12.4M on platform upgrades in 2025—and aggressive sales placement to sustain growth versus national banks and fintech entrants.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eRevenue FY2025: $74.6M\u003c\/li\u003e\n\u003cli\u003eYoY growth: 28%\u003c\/li\u003e\n\u003cli\u003eLocal municipal share: 42%\u003c\/li\u003e\n\u003cli\u003eRegional corporate share: 35%\u003c\/li\u003e\n\u003cli\u003ePlatform spend 2025: $12.4M\u003c\/li\u003e\n\u003cli\u003eFee income share: 18% of noninterest revenue\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\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh‑growth lending \u0026amp; wealth push—$420M revenue, $9.2B AUM; $375M+ needed to scale\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStars: Middle‑market commercial lending, Multi‑Family lending, Treasury Solutions and Beacon Trust drive high growth and share—combined 2025 revenue ~ $420M, loan originations share ~34%, AUM $9.2B; require $375M+ capital\/tech spend to scale into cash cows.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eUnit\u003c\/th\u003e\n\u003cth\u003eKey 2025 metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommercial lending\u003c\/td\u003e\n\u003ctd\u003e34% originations\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMulti‑Family\u003c\/td\u003e\n\u003ctd\u003e$1.2B funded YTD\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTreasury\u003c\/td\u003e\n\u003ctd\u003e$74.6M rev\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth\u003c\/td\u003e\n\u003ctd\u003e$9.2B AUM\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\u003eComprehensive BCG Matrix review of Provident Financial Services with quadrant strategies, investment recommendations, and trend-driven risks\/opportunities.\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\u003eOne-page overview placing each Provident Financial Services unit in a quadrant for fast strategic 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\"\u003eash Cows\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\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCore Retail Deposit Base\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eProvident’s extensive New Jersey branch network funds a stable, low-cost deposit base: $18.4B in deposits at FY2024, with core checking\/savings \u0026gt;70% of total, keeping cost of funds near 0.45% in 2024.\u003c\/p\u003e \n\u003cp\u003eHigh local market share and deep customer loyalty cut promo spend — branch retention rates ~86% and core deposit churn \u0026lt;8% annually in 2024.\u003c\/p\u003e \n\u003cp\u003eThese core deposits generated excess liquidity, supporting $12.1B in loans growth initiatives and enabling consistent dividends (yield ~3.1% 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\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eResidential Mortgage Servicing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe existing portfolio of fixed-rate residential mortgages at Provident Financial Services (PFS) — roughly $18.2 billion outstanding as of 12\/31\/2025 — is a mature, stable asset class delivering predictable cash flows from amortization and coupon income.\u003c\/p\u003e\n\u003cp\u003eMarket growth for traditional 30-year mortgages in PFS’s core established neighborhoods is low (annual origination growth ~1.2% in 2025), so the bank prioritizes operational efficiency and servicing excellence over aggressive expansion.\u003c\/p\u003e\n\u003cp\u003eThis servicing segment yields steady net interest income with low overhead: servicing costs ran 0.15% of portfolio in 2025 and marketing spend under $2.5 million, supporting high cash conversion and strong ROA contribution.\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\/BCG-Content-CashCows-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\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall Business Administration Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eAs a Preferred Lender, Provident Financial Services captures an estimated 18–22% share of SBA loan originations in its mature New Jersey footprint, yielding strong net interest and fee margins thanks to SBA guarantees covering up to 85% of principal.\u003c\/p\u003e\n\u003cp\u003eGuaranteed portions are routinely sold in the secondary market at premiums of 1.0–2.5% up front, converting future cash flows to immediate income and boosting ROA by ~30–60 bps annually.\u003c\/p\u003e\n\u003cp\u003eThese SBA loans act as a cash cow: existing underwriting, servicing systems, and branch relationships require little incremental capital while producing steady fee income and predictable pre-provision profits.\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\/BCG-Content-CashCows-Icon-Dollar-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eConsumer Home Equity Lines of Credit\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eProvident’s Consumer HELOCs sit in Cash Cows: mature market of long-term homeowners using equity for renovations, debt consolidation, and emergencies; portfolio yields ~7.2% net interest margin (2025) with 60–70 bps above new mortgage margins.\u003c\/p\u003e\n\u003cp\u003eLow defaults: 30‑day delinquencies ~0.8% (2025), loss rate ~0.15% annual; minimal marketing spend makes HELOCs steady recurring revenue covering holding-company overheads.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eNet interest margin ~7.2% (2025)\u003c\/li\u003e\n\u003cli\u003e30‑day delinquency ~0.8% (2025)\u003c\/li\u003e\n\u003cli\u003eAnnual loss rate ~0.15%\u003c\/li\u003e\n\u003cli\u003eLow promo spend, high recurring revenue\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\/BCG-Content-CashCows-Icon-Dollar-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommercial Real Estate Term Loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCommercial real estate term loans to stabilized properties—like established retail centers and Class B\/C office buildings—generate steady, high-market-share revenue for Provident Financial Services; as of 2025 these loans yield ~4.2% NIM contribution and represent ~28% of the bank’s loan book.\u003c\/p\u003e\n\u003cp\u003eWell-collateralized loans need less active management than construction lending, cutting loss rates to ~0.4% annually and freeing capital to fund growth areas.\u003c\/p\u003e\n\u003cp\u003eThe predictable interest cash flows cover operational costs and finance riskier products, supporting a 2024–2025 ROE uplift of ~120 basis points.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eYield: ~4.2% NIM contribution\u003c\/li\u003e\n\u003cli\u003eLoan book share: ~28%\u003c\/li\u003e\n\u003cli\u003eLoss rate: ~0.4% annually\u003c\/li\u003e\n\u003cli\u003eROE uplift: ~120 bps (2024–2025)\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\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProvident: $18B+ NJ deposits, strong HELOC NIM 7.2%, low funding cost 0.45%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eProvident’s Cash Cows: stable NJ deposits $18.4B (2024), cost of funds 0.45%; fixed-rate mortgages $18.2B (12\/31\/2025); SBA share 18–22% with 1.0–2.5% sale premiums; HELOC NIM 7.2% (2025), delinq 0.8%; CRE term loans 28% book, NIM 4.2%, loss 0.4%.\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\u003eDeposits\u003c\/td\u003e\n\u003ctd\u003e$18.4B (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMortgages\u003c\/td\u003e\n\u003ctd\u003e$18.2B (12\/31\/2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHELOC NIM\u003c\/td\u003e\n\u003ctd\u003e7.2% (2025)\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 = Final Product\u003c\/span\u003e\u003cbr\u003eProvident Financial Services BCG Matrix\u003c\/h2\u003e\n\u003cp\u003eThe file you're previewing is the exact Provident Financial Services BCG Matrix you'll receive after purchase—no watermarks, no placeholders—just a fully formatted, analysis-ready report built for strategic clarity and professional presentation.\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":56748278874489,"sku":"provident-bcg-matrix","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/provident-bcg-matrix.png?v=1772206944","url":"https:\/\/matrixbcg.com\/products\/provident-bcg-matrix","provider":"MatrixBCG","version":"1.0","type":"link"}