{"product_id":"dcbbank-business-model-canvas","title":"DCB 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\u003eUnlock the strategic Business Model Canvas — retail \u0026amp; SME value, partnerships, editable files\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eUnlock the full strategic blueprint behind DCB Bank's business model. This concise Business Model Canvas shows how the bank creates customer-centric value, monetises retail and SME segments, and leverages partnerships to scale. Download the complete, editable Word \u0026amp; Excel files to benchmark, plan, or pitch 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\"\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\u003eFintech and API Aggregator Alliances\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFintech and API aggregator alliances power DCB Bank’s digital onboarding, eKYC and seamless payments, cutting onboarding time by ~70% and acquisition costs by ~30% and enabling UPI\/IMPS flows; API integrations speed feature rollouts to weeks, co-innovation accelerates SME and retail use cases, and shared data insights improve credit risk models and personalization, raising conversion and cross-sell rates materially 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\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePayment Networks and NPCI\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eDCB Bank partners with Visa, Mastercard and RuPay plus NPCI to tap card rails, UPI, AEPS and FASTag; NPCI reported UPI volumes crossing 100 billion transactions in 2024, while FASTag and AEPS scale drove mass toll and micro-ATM adoption. These partnerships broaden acceptance and cut friction at 100m+ merchant endpoints, generate interchange and fee income, and leverage the reliability and scale to lift customer experience and authorization success rates.\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\u003eNBFC\/MFI Co‑lending and Business Correspondents\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCo-lending with NBFCs\/MFIs enables DCB Bank to broaden credit to underserved segments by leveraging partner sourcing and shared underwriting under RBI co‑lending guidelines (introduced 2018), improving access in semi‑urban and rural pockets. Business Correspondents extend last‑mile service—RBI data shows over 1.2 million BC agents as of March 2024—boosting reach and deposit mobilization. Risk‑sharing models improve portfolio quality while shared origination cuts turnaround times materially through parallel processes.\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\u003eTechnology, Cloud, and Cybersecurity Vendors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCore-banking, cloud, and cybersecurity vendors underpin DCB Bank’s uptime and resilience, enabling scalable digital channels and data platforms that support growing transaction volumes; industry data shows the global cloud market exceeded 600 billion USD in 2024. Advanced security frameworks protect customer trust and regulatory compliance while managed services lower operating costs and capital expenditure.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eUptime\/resilience\u003c\/li\u003e\n\u003cli\u003eScalable channels \u0026amp; data\u003c\/li\u003e\n\u003cli\u003eSecurity = trust \u0026amp; compliance\u003c\/li\u003e\n\u003cli\u003eCost-efficiency via managed services\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\u003eCorrespondent Banks and Corporate Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCorrespondent banks enable DCB Bank to offer trade finance, remittances and FX corridors, supporting India as the top remittance recipient in 2024 (World Bank) and expanding cross-border transaction volumes for corporates.\u003c\/p\u003e\n\u003cp\u003eCorporate tie-ups open payroll and vendor ecosystems while treasury collaborations improve liquidity access and risk management, enabling fee and float income growth from integrated solutions.\u003c\/p\u003e\n\u003cp class=\"lst_crct\"\u003e\u003c\/p\u003e\n\u003cli\u003eCorrespondent banks: trade finance, remittances, FX\u003c\/li\u003e\n\u003cli\u003eCorporate tie-ups: payroll, vendor ecosystems\u003c\/li\u003e\n\u003cli\u003eTreasury partnerships: liquidity, risk management\u003c\/li\u003e\n\u003cli\u003eOutcome: higher fee and float income\u003c\/li\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\u003eFintech\/API alliances cut onboarding \u003cstrong\u003e~70%\u003c\/strong\u003e and acquisition costs \u003cstrong\u003e~30%\u003c\/strong\u003e, enabling \u003cstrong\u003e100B\u003c\/strong\u003e digital txns\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eFintech\/API alliances cut onboarding ~70% and acquisition costs ~30%, enabling fast UPI\/IMPS rollouts; NPCI UPI hit ~100B txns in 2024. BC networks (1.2M agents Mar 2024) and NBFC co‑lending expand semi‑urban credit, improving origination speed and portfolio quality. Cloud\/cyber vendors (global cloud \u0026gt;$600B 2024) ensure uptime and compliance, while correspondent and corporate ties lift remittance, trade and fee income.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartnership\u003c\/th\u003e\n\u003cth\u003e2024 metric\u003c\/th\u003e\n\u003cth\u003ePrimary impact\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eFintech\/API\u003c\/td\u003e\n\u003ctd\u003eOnboarding -70% \/ Acq cost -30%\u003c\/td\u003e\n\u003ctd\u003eFaster digital growth\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPCI\/UPI\u003c\/td\u003e\n\u003ctd\u003e~100B txns\u003c\/td\u003e\n\u003ctd\u003eScale \u0026amp; interchange\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBCs\/NBFCs\u003c\/td\u003e\n\u003ctd\u003e1.2M agents\u003c\/td\u003e\n\u003ctd\u003eRural reach \u0026amp; credit\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCloud\/Security\u003c\/td\u003e\n\u003ctd\u003eGlobal cloud \u0026gt;$600B\u003c\/td\u003e\n\u003ctd\u003eResilience \u0026amp; compliance\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 comprehensive, pre-written Business Model Canvas for DCB Bank detailing customer segments, channels, value propositions, revenue streams, key resources and partnerships aligned with its retail, microbanking and SME strategy. Ideal for presentations and investor discussions, it includes SWOT-linked insights and actionable recommendations across the nine BMC blocks to support strategic decisions and validation.\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 DCB Bank's retail and SME-focused strategy into a one-page, editable Business Model Canvas that quickly identifies revenue drivers, customer pain points, and operational gaps—ideal for team collaboration, board reviews, and rapid scenario testing.\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\u003eDeposit Mobilization and Liability Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eDesign and market savings, current and term deposits tailored to retail and SME segments to broaden liability mix and enhance stickiness. Optimize pricing and mix to lower cost of funds by shifting toward low-cost CASA through targeted offers and segmented pricing. Drive CASA growth via coordinated digital onboarding and branch-led relationship initiatives. Maintain liquidity buffers in line with RBI norms, including CRR at 4% and SLR near 18%.\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\u003eCredit Origination, Underwriting, and Collections\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAcquire retail, SME and agri borrowers through branch and digital sourcing with prudent screening to limit concentration; DCB Bank maintained disciplined lending with GNPA around 1.5% and CRAR ~16.5% as of Mar 2024. Use data-driven underwriting, scorecards and collateral tracking to price risk and protect assets. Monitor portfolios with early-warning indicators and manage collections ethically to contain NPAs and recoveries.\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\u003eDigital Product Development and IT Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBuild and maintain mobile, internet and API platforms with multi-region redundancy and 99.95% availability SLAs, prioritising security and performance through continuous monitoring and patching.\u003c\/p\u003e \u003cp\u003eRoll out features—UPI (NPCI crossed ~100 billion transactions in 2024), cards and wealth tools—via two-week agile sprints and feature flags to cut time-to-market.\u003c\/p\u003e \u003cp\u003eOperate robust DevSecOps pipelines, automated CI\/CD and security scanning to enforce compliance and reduce mean time to recovery.\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\u003eRisk, Compliance, and Treasury\/ALM\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eDCB Bank manages credit, market, liquidity and operational risks through centralized risk frameworks, maintaining regulatory compliance with RBI, AML\/KYC and data-privacy norms while targeting conservative provisioning and stable asset quality.\u003c\/p\u003e\n\u003cp\u003eTreasury\/ALM optimizes the balance sheet via duration management and investment allocation, using hedges to prudently mitigate interest-rate and FX exposures and preserve NIMs.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCRAR FY2024: 15.6%\u003c\/li\u003e\n\u003cli\u003eGNPA target: \u0026lt;2.0%\u003c\/li\u003e\n\u003cli\u003eRepo-sensitivity hedges: interest-rate swaps, forwards\u003c\/li\u003e\n\u003cli\u003eAML\/KYC: transaction monitoring, threshold reporting\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\u003eSales, Marketing, and Customer Service\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eDCB Bank focuses on acquiring retail and SME customers through targeted analytics-driven campaigns to boost sourcing and cross-sell, while delivering omnichannel service and swift issue resolution across branches, mobile, and contact centers. The bank strengthens brand trust via transparent pricing, robust grievance mechanisms, and customer-centric policies.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCustomer acquisition: retail \u0026amp; SME\u003c\/li\u003e\n\u003cli\u003eAnalytics-led targeting \u0026amp; cross-sell\u003c\/li\u003e\n\u003cli\u003eOmnichannel service \u0026amp; resolution\u003c\/li\u003e\n\u003cli\u003eBrand: trust, transparency\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\u003eGrow low-cost CASA, keep CRAR \u003cstrong\u003e15.6%\u003c\/strong\u003e, GNPA ~\u003cstrong\u003e1.5%\u003c\/strong\u003e, \u003cstrong\u003e99.95%\u003c\/strong\u003e uptime\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDesign and market retail, SME and agri deposits to grow low‑cost CASA and lower cost of funds; maintain liquidity buffers per RBI (CRR 4%, SLR ~18%). Originate retail\/SME loans via branch and digital channels with data-driven underwriting to keep GNPA ~1.5% and CRAR 15.6% (FY2024). Run resilient digital platforms (99.95% SLA), agile feature release and DevSecOps for security and speed.\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 (2024)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCRAR\u003c\/td\u003e\n\u003ctd\u003e15.6%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGNPA\u003c\/td\u003e\n\u003ctd\u003e~1.5% (Mar 2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUptime SLA\u003c\/td\u003e\n\u003ctd\u003e99.95%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUPI volume\u003c\/td\u003e\n\u003ctd\u003e~100bn txns (NPCI 2024)\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 Displayed\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document previewed here is the actual DCB Bank Business Model Canvas—not a mockup or sample—and shows real content from the final deliverable. When you purchase, you’ll receive this exact file in full, formatted and complete. The download includes editable Word and Excel versions ready for presentation, editing, and sharing. What you see is what you’ll get—no surprises.\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":"PortersFiveForce","offers":[{"title":"Default Title","offer_id":56161948041593,"sku":"dcbbank-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0914\/5276\/8633\/files\/dcbbank-business-model-canvas.png?v=1762696067","url":"https:\/\/portersfiveforce.com\/products\/dcbbank-business-model-canvas","provider":"Porter's Five Forces","version":"1.0","type":"link"}