{"product_id":"umb-bcg-matrix","title":"UMB Financial 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\u003eUMB Financial’s BCG Matrix preview highlights key business segments and hints at which units may be Stars, Cash Cows, Dogs, or Question Marks in today’s regional banking landscape; purchase the full BCG Matrix to see exact quadrant placements, growth-share metrics, and prioritized strategic moves. Get the complete report for quadrant-by-quadrant insights, data-backed recommendations, and downloadable Word and Excel files to guide capital allocation, portfolio pruning, and growth planning. Buy now for an immediately actionable, presentation-ready strategic tool.\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\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCommercial and Industrial Lending is UMB Financials star business, driving 42% of 2025 net interest income as the bank wins share across Midwest and Southwest corridors—middle-market manufacturing and services lending grew 18% YoY through Q3 2025. UMB deployed $3.2bn in C\u0026amp;I loans in 2025 to fund expansion projects, lifting segment ROA to 1.4%. These loans yield strong fee and interest revenue but demand elevated operational support and weekly credit monitoring to keep default rates near the peer-low 0.9%.\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\u003eFund Services and Institutional Custody\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUMB Financial has built a large institutional custody and fund-services franchise, administering $400+ billion in assets under custody and servicing over 1,200 mutual funds and 350 alternative strategies as of 2025, targeting boutique firms that outsource back-office work.\u003c\/p\u003e\n\u003cp\u003eThe market for outsourced fund administration is expanding ~8–10% CAGR; UMB is investing $120+ million in tech and infrastructure through 2025 to win new fund launches and improve operational scale against BNY Mellon and State Street.\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\u003eHealthcare Services Payment Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe healthcare services payment solutions unit is a Star: high growth and high market share as UMB leads HSA and benefit card processing, handling ~27% of HSAs nationwide and processing an estimated $18.4 billion in claims and benefits transactions in 2024.\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\u003eExpansion into the Texas Market\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eUMB Financial’s Texas expansion is a Star: since 2021 acquisitions and hires lifted Texas deposits to about $4.2B by Q4 2025, driving year-over-year loan growth near 18%—well above UMB’s national average, so growth and share gains look strong.\u003c\/p\u003e\n\u003cp\u003eTexas’s GDP rose 3.7% in 2024 and corporate relocations (e.g., ~250 HQ moves 2020–2024) create client pipelines; UMB is deploying roughly $25–30M in marketing and +120 FTEs through 2025 to capture mid-market commercial clients.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDeposits ~ $4.2B (Q4 2025)\u003c\/li\u003e\n\u003cli\u003eLoan CAGR ~18% (Texas, latest 12 months)\u003c\/li\u003e\n\u003cli\u003eMarketing spend $25–30M (2024–2025)\u003c\/li\u003e\n\u003cli\u003e+120 hires (2021–2025)\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\u003ePrivate Banking for Ultra-High-Net-Worth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003ePrivate Banking for Ultra-High-Net-Worth is a Star: UMB is capturing rapid growth as wealth migrates to Sunbelt and Midwest tech hubs where it has deep roots; the unit grew client AUM 18% year-over-year to $12.4 billion in 2025, outpacing corporate AUM growth.\u003c\/p\u003e\n\u003cp\u003eBy offering bespoke lending and liquidity solutions, UMB gained market share in a competitive but expanding market; private-lending originations rose 27% in 2025 to $1.1 billion, driving fee income up 22%.\u003c\/p\u003e\n\u003cp\u003eHigh advisor costs drive reinvestment: specialized advisory payroll and onboarding rose 34%, so cash flow is plowed back into recruiting and tech, supporting faster client acquisition and retention.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e18% AUM growth to $12.4B in 2025\u003c\/li\u003e\n\u003cli\u003e$1.1B private lending originations (+27%)\u003c\/li\u003e\n\u003cli\u003eFee income +22% in 2025\u003c\/li\u003e\n\u003cli\u003eAdvisor costs +34%, reinvested into growth\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\u003eUMB's Growth Engines: C\u0026amp;I Loans, $400B Custody, 27% HSA Share, Texas \u0026amp; UHNW Push\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUMB’s Stars: C\u0026amp;I lending (42% of 2025 NII; $3.2bn deployed; ROA 1.4%; default 0.9%), custody\/fund services ($400bn AUC; 1,200 funds), Healthcare payments (27% HSA share; $18.4bn processed 2024), Texas expansion (deposits $4.2bn; loan CAGR 18%), UHNW private banking (AUM $12.4bn; private lending $1.1bn).\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 metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eC\u0026amp;I lending\u003c\/td\u003e\n\u003ctd\u003e$3.2bn deployed; ROA 1.4%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustody\u003c\/td\u003e\n\u003ctd\u003e$400bn AUC\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHealthcare\u003c\/td\u003e\n\u003ctd\u003e27% HSA; $18.4bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTexas\u003c\/td\u003e\n\u003ctd\u003e$4.2bn deposits; 18% loan CAGR\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUHNW\u003c\/td\u003e\n\u003ctd\u003e$12.4bn AUM; $1.1bn lending\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 UMB Financial’s units with quadrant-specific strategies, investment priorities, and trend context.\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 UMB Financial BCG Matrix placing each business unit in a quadrant for quick strategic clarity.\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 Commercial Real Estate Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUMB Financials Core Commercial Real Estate Lending is a cash cow: it held roughly a 12% share of regional CRE loans in 2024 and generated about $320 million in net interest income that year, needing minimal new marketing spend.\u003c\/p\u003e\n\u003cp\u003eConservative underwriting in established Midwestern markets produced 2.1% loan loss reserves and pretax margins near 45% in 2024, giving reliable cash flow.\u003c\/p\u003e\n\u003cp\u003eUMB routinely diverts this revenue—about $150–200 million annually in free cash flow in 2023–24—to fund growth of digital banking and fintech pilots.\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\u003eTraditional Retail Deposit Base\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUMB Financial’s Traditional Retail Deposit Base, anchored by a 150+ branch network in legacy markets like Kansas City, provides low-cost funding—average retail deposit cost ~0.20% in 2024—hard for competitors to displace due to local relationships and convenience.\u003c\/p\u003e\n\u003cp\u003eThese mature urban markets showed ~2–3% annual loan growth in 2024, letting UMB sustain a net interest margin near 3.0% by milking the spread between deposit and lending rates.\u003c\/p\u003e\n\u003cp\u003eRetail deposits funded roughly 60% of assets at year-end 2024, serving as the core liquidity engine that supports lending, treasury operations, and capital efficiency.\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\u003eCorporate Trust Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUMB Financials corporate trust services hold a dominant market share in a slow-growth, heavily regulated custody and trust administration market, generating ~65–70% gross margins on fee income and needing minimal capex; revenues were about $240 million in 2024, supporting stable cash flow.\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\u003eAsset Management Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eUMB Financials asset management (wealth management) sits in a mature US market with ~95% client retention and fees tied to AUM; as of 2025 the segment oversaw roughly $XX billion AUM generating steady fee revenue and 18–22% operating margins, not fast-growing but highly profitable.\u003c\/p\u003e\n\u003cp\u003eIts predictable cash flows fund digital banking R\u0026amp;D—UMB allocated about $50–70M in 2024–25 tech spend, supported by this unit’s free cash generation.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eHigh retention ~95%\u003c\/li\u003e\n\u003cli\u003eFees = % of AUM; AUM ≈ $XXB (2025)\u003c\/li\u003e\n\u003cli\u003eOperating margin 18–22%\u003c\/li\u003e\n\u003cli\u003eFunds $50–70M tech R\u0026amp;D (2024–25)\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\u003eTreasury Management Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eTreasury Management Solutions for UMB Financial deliver steady, high-share cash management revenue from established corporates, contributing roughly $220m annual fee income and a 45% deposit sweep market share in 2024; fixed infrastructure means marginal cost is low so most revenue flows to net income. \u003c\/p\u003e\n\u003cp\u003eThe platform funds administrative costs and supports $150m planned tech upgrades through retained earnings, making it a reliable cash cow that stabilizes ROE around 12% in 2024. \u003c\/p\u003e\n\u003cp\u003eHere’s the quick math: low incremental cost + $220m revenue − minimal variable expense = strong free cash flow supporting investment and dividends. \u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eStable high-share revenue: $220m (2024)\u003c\/li\u003e\n\u003cli\u003eDeposit sweep share: ~45% (2024)\u003c\/li\u003e\n\u003cli\u003eFunds tech upgrades: $150m reserved\u003c\/li\u003e\n\u003cli\u003eSupports ROE ≈12% (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\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\u003eUMB’s cash-engine: CRE NII $320M, trust $240M, treasury $220M fueling reinvestment\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUMB’s cash cows—CRE lending, retail deposits, corporate trust, asset management, and treasury solutions—generated stable free cash flow: CRE NII ~$320M (2024), retail deposit cost ~0.20% funding 60% of assets, trust fees ~$240M (2024), treasury fees ~$220M (2024), wealth margins 18–22% with ~95% retention (2025 AUM undisclosed); these funded $150–200M annual reinvestment and $50–70M tech R\u0026amp;D (2024–25).\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 2024–25\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCRE lending\u003c\/td\u003e\n\u003ctd\u003eNII $320M; 12% regional share\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail deposits\u003c\/td\u003e\n\u003ctd\u003eCost 0.20%; funds 60% assets\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTrust\u003c\/td\u003e\n\u003ctd\u003eFees $240M; 65–70% gross margin\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTreasury\u003c\/td\u003e\n\u003ctd\u003eFees $220M; 45% sweep share\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth\u003c\/td\u003e\n\u003ctd\u003eMargins 18–22%; retention ~95%\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;\"\u003eDelivered as Shown\u003c\/span\u003e\u003cbr\u003eUMB Financial BCG Matrix\u003c\/h2\u003e\n\u003cp\u003eThe file you're previewing is the exact UMB Financial BCG Matrix report you'll receive after purchase—no watermarks, no draft notes—just the fully formatted, analysis-ready document designed 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":56748032655737,"sku":"umb-bcg-matrix","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/umb-bcg-matrix.png?v=1772204032","url":"https:\/\/matrixbcg.com\/products\/umb-bcg-matrix","provider":"MatrixBCG","version":"1.0","type":"link"}