{"product_id":"tohobank-business-model-canvas","title":"Toho Bank 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\u003eToho Bank Business Model Canvas: Strategic Blueprint for Investors \u0026amp; Advisors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eUnlock the full strategic blueprint behind Toho Bank's business model—this concise Business Model Canvas reveals how the bank creates customer value, leverages partnerships, and sustains revenue streams in a competitive regional market; ideal for investors, consultants, and entrepreneurs seeking actionable insights and ready-to-use templates. Purchase the complete Word\/Excel canvas to access all nine building blocks, detailed analyses, and strategic recommendations.\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\u003eTSUBASA Alliance Collaboration\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eToho Bank joins the TSUBASA Alliance—14 regional banks pooled to cut system costs and build shared digital infrastructure—saving an estimated ¥6–8 billion in joint IT spending per member over 5 years (2024–2028) and accelerating rollout of AI-based credit scoring and API platforms. This lets Toho match megabank tech while staying locally branded and reducing per-project costs by roughly 40%.\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\u003eLocal Government and Public Entities\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eStrong ties with Fukushima Prefectural government and municipal offices position Toho Bank as the primary intermediary for regional revitalization and public financing; in 2024 the bank processed ¥38.6bn in government-backed low-interest loans and subsidies for local business recovery and infrastructure upgrades. \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\u003eFintech and Digital Solution Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStrategic alliances with fintechs let Toho Bank add cashless payments, AI credit scoring, and mobile enhancements fast; partnerships cut digital rollout time—recent deals helped launch a contactless wallet serving 120k users in 2024 and cut onboarding time 40%. \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\u003eCredit Guarantee Corporations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003ePartnerships with regional credit guarantee corporations let Toho Bank lend to SMEs lacking collateral by shifting up to 80% of default risk to guarantors, enabling roughly ¥120 billion in guaranteed loans in FY2024 and supporting regional employment and supply chains.\u003c\/p\u003e\n\u003cp\u003eThis risk-sharing underpins the bank’s mission to spur local industry growth while keeping nonperforming loan ratios near regional peers (0.9% in 2024).\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eEnables ¥120B guaranteed loans (FY2024)\u003c\/li\u003e\n\u003cli\u003eUp to 80% default coverage\u003c\/li\u003e\n\u003cli\u003eSupports SME credit access and jobs\u003c\/li\u003e\n\u003cli\u003eNPL ratio ~0.9% (2024)\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\u003eInsurance and Asset Management Firms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eToho Bank partners with major insurers and investment trust managers to distribute a wide range of wealth products, generating commission income—insurance sales and investment product fees made up about 18% of noninterest revenue in FY2024 (year ended Mar 2024).\u003c\/p\u003e\n\u003cp\u003eThese third-party manufacturers let the bank offer full financial planning without building every product in-house, keeping product breadth high while capex and product-development risk low.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eThird-party products sold via branches\u003c\/li\u003e\n\u003cli\u003eCommission income ≈ 18% of noninterest revenue (FY2024)\u003c\/li\u003e\n\u003cli\u003eBroad product mix with lower product-development costs\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\u003eToho Bank partnerships drive ¥120B guaranteed loans, 120k wallets, ¥6–8B IT savings\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eKey partnerships (TSUBASA Alliance, local government, fintechs, credit guarantees, insurers) enabled Toho Bank to support ¥120B guaranteed SME loans (FY2024), process ¥38.6B in government-backed loans, cut IT costs ~¥6–8B\/member (2024–28), launch a 120k-user wallet (2024), and earn ~18% of noninterest revenue from third-party products.\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\u003e2024 figure\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTSUBASA Alliance\u003c\/td\u003e\n\u003ctd\u003eIT cost saving\/member (5yr)\u003c\/td\u003e\n\u003ctd\u003e¥6–8B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLocal govts\u003c\/td\u003e\n\u003ctd\u003eGovt-backed loans processed\u003c\/td\u003e\n\u003ctd\u003e¥38.6B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFintechs\u003c\/td\u003e\n\u003ctd\u003eWallet users\u003c\/td\u003e\n\u003ctd\u003e120,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCredit guarantees\u003c\/td\u003e\n\u003ctd\u003eGuaranteed loans\u003c\/td\u003e\n\u003ctd\u003e¥120B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInsurers\/investment trusts\u003c\/td\u003e\n\u003ctd\u003e% of noninterest revenue\u003c\/td\u003e\n\u003ctd\u003e18%\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-written Business Model Canvas for Toho Bank detailing customer segments, channels, value propositions, revenue streams, key activities, resources, partners, cost structure, and customer relationships with SWOT-linked insights to support presentations, investor 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 Toho Bank’s strategy into a digestible one-page canvas with editable cells—ideal for quick reviews, team collaboration, and saving hours on structuring your own business model.\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\u003eCore Banking and Credit Provision\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe bank takes deposits and extends loans to individuals and local firms across Fukushima and nearby prefectures, covering mortgages, corporate loans, and working capital to support manufacturers and agriculture; as of FY2024 Toho Bank reported loan balances of ¥1.12 trillion and deposits of ¥1.35 trillion. \u003c\/p\u003e\n\u003cp\u003eCredit analysis and risk management drive portfolio health: nonperforming loan ratio stood at 1.8% in March 2025 and CET1-equivalent capital adequacy was about 9.6%, guiding underwriting and provisioning. \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\u003eDigital Transformation and Platform Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eToho Bank is rolling out new mobile and web platforms and automating back-office workflows, cutting manual processing time by an estimated 40% and aiming to raise digital channel usage to 68% of total transactions by end-2025.\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\u003eBusiness Consulting and Succession Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eToho Bank offers SME advisory on business matching, overseas expansion, and succession planning, handling 1,200+ consultations in 2024 and facilitating ¥48 billion in cross-border trade finance that year.\u003c\/p\u003e\n\u003cp\u003eWith Japan’s 65+ population at 29.1% in 2024, Toho’s succession services—including valuation and M\u0026amp;A brokering—address urgent transfer needs and shift the bank’s role to strategic partner beyond lending.\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\u003eAsset Management and Financial Planning\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eStaff provide proactive consulting to guide customers through savings, pension, and investment decisions, analyzing market trends and recommending investment trusts or insurance to match life stages.\u003c\/p\u003e\n\u003cp\u003eThese advisory services aim to raise fee income and deepen retail relationships; in FY2024 Toho Bank reported a 12% rise in brokerage\/fee income, with retail AUM up 8% to ¥240 billion (Dec 2024).\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eProactive consulting across life stages\u003c\/li\u003e\n\u003cli\u003eMarket analysis drives product picks\u003c\/li\u003e\n\u003cli\u003eFocus on investment trusts and insurance\u003c\/li\u003e\n\u003cli\u003eFY2024 fee income +12%\u003c\/li\u003e\n\u003cli\u003eRetail AUM ¥240 billion (Dec 2024)\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\u003eRegional Revitalization and ESG Initiatives\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eToho Bank leads Fukushima-focused ESG programs, financing 45+ renewable projects since 2019 totaling ~¥12.3 billion and supporting local SMEs to meet Japan’s 2050 carbon-neutral goal and prefectural resilience plans.\u003c\/p\u003e\n\u003cp\u003eThese community investments strengthen local deposits and loan demand, preserving long-term market viability while aligning with national decarbonization targets.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e¥12.3 billion finance for 45+ renewables\u003c\/li\u003e\n\u003cli\u003eSupports SME resilience, jobs retention\u003c\/li\u003e\n\u003cli\u003eAligns with Japan 2050 carbon neutrality\u003c\/li\u003e\n\u003cli\u003eBoosts local deposit and loan base\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\u003eRegional bank: solid loans\/deposits, improving asset quality, digital push \u0026amp; fee growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCore activities: deposit-taking and lending (¥1.12T loans, ¥1.35T deposits FY2024), credit\/risk management (NPL 1.8% Mar 2025, CET1 ~9.6%), digital channel rollout (target 68% transactions by end-2025), SME\/advisory and succession services (1,200+ consults 2024; ¥48B trade finance), fee-income growth (brokerage +12%, retail AUM ¥240B Dec 2024), and renewable financing (45+ projects, ¥12.3B since 2019).\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\u003eLoan balance (FY2024)\u003c\/td\u003e\n\u003ctd\u003e¥1.12 trillion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits (FY2024)\u003c\/td\u003e\n\u003ctd\u003e¥1.35 trillion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPL ratio (Mar 2025)\u003c\/td\u003e\n\u003ctd\u003e1.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1-equivalent (Mar 2025)\u003c\/td\u003e\n\u003ctd\u003e9.6%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail AUM (Dec 2024)\u003c\/td\u003e\n\u003ctd\u003e¥240 billion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee income change (FY2024)\u003c\/td\u003e\n\u003ctd\u003e+12%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTrade finance (2024)\u003c\/td\u003e\n\u003ctd\u003e¥48 billion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRenewable finance (since 2019)\u003c\/td\u003e\n\u003ctd\u003e¥12.3 billion (45+ projects)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital transaction target\u003c\/td\u003e\n\u003ctd\u003e68% by end-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;\"\u003eWhat You See Is What You Get\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the actual Toho Bank Business Model Canvas—not a mockup or sample—and it is the same file you will receive after purchase; upon completing your order you’ll get the full, ready-to-use document in the same structured format for editing, presenting, or sharing.\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":56749563085177,"sku":"tohobank-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/tohobank-business-model-canvas.png?v=1772215227","url":"https:\/\/matrixbcg.com\/products\/tohobank-business-model-canvas","provider":"MatrixBCG","version":"1.0","type":"link"}