{"product_id":"pagaya-business-model-canvas","title":"Pagaya Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\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\u003ePagaya's Business Model: A Strategic Deep Dive\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eUnlock the full strategic blueprint behind Pagaya's innovative business model. This comprehensive Business Model Canvas reveals how Pagaya leverages technology to connect consumers with financing and how its partners benefit. Discover their unique value proposition, customer segments, and key revenue streams.\u003c\/p\u003e\n\u003cp\u003eDive deeper into Pagaya’s real-world strategy with the complete Business Model Canvas. From key resources and activities to cost structure and channels, this downloadable file offers a clear, professionally written snapshot of what makes this company thrive—and where its opportunities lie.\u003c\/p\u003e\n\u003cp\u003eWant to see exactly how Pagaya operates and scales its business? Our full Business Model Canvas provides a detailed, section-by-section breakdown, perfect for benchmarking, strategic planning, or investor presentations.\u003c\/p\u003e\n\u003cp\u003eGain exclusive access to the complete Business Model Canvas used to map out Pagaya’s success. This professional, ready-to-use document is ideal for business students, analysts, or founders seeking to learn from proven industry strategies.\u003c\/p\u003e\n\u003cp\u003eSee how the pieces fit together in Pagaya’s business model. This detailed, editable canvas highlights the company’s customer segments, key partnerships, revenue strategies, and more. Download the full version to accelerate your own business thinking.\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\u003eLending Institutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePagaya partners extensively with traditional banks and credit unions, which are key lending institutions seeking to enhance their loan underwriting capabilities. These financial partners leverage Pagaya’s advanced AI technology to expand their loan portfolios, particularly in areas like personal loans and auto financing, without taking on disproportionate risk. In this symbiotic relationship, the lending institutions provide the necessary licenses, their balance sheets, and an established customer base. Pagaya's network facilitated over $8.5 billion in network volume in 2023, showcasing the scale of these collaborations.\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\u003eFintech \u0026amp; Neobank Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePagaya partners with leading digital-native lenders and neobanks, integrating its AI-driven credit assessment capabilities directly into their platforms via API. This enables partners to offer a broader array of credit products and make faster, more precise lending decisions. For example, Pagaya’s network volume reached $8.7 billion in 2023, with continued growth projected for 2024, demonstrating the scale of these integrations. This collaboration is vital for reaching the expanding tech-savvy consumer segment.\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\u003eInstitutional Investors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePagaya partners with institutional investors like asset managers, pension funds, and insurance companies. These crucial partners purchase the asset-backed securities created from loans underwritten by Pagaya's AI. This provides the primary funding mechanism, enabling over $20 billion in network volume by early 2024. Their demand fuels a flywheel effect, driving lending partner growth and ensuring critical liquidity and scale for Pagaya's network.\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\u003eAuto Dealerships \u0026amp; Lenders\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003ePagaya maintains strong partnerships within the automotive finance sector, collaborating directly with dealerships and auto lenders to deliver instant credit decisions. This strategic alliance significantly streamlines the car buying experience for consumers, while empowering dealers to secure financing solutions for a broader spectrum of customers. The automotive segment represents a crucial vertical for Pagaya's network expansion and growth in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e\u003cstrong\u003ePagaya’s network includes thousands of auto dealerships.\u003c\/strong\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eThe platform facilitates billions in annual automotive loan originations.\u003c\/strong\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eAutomotive financing is a key driver of Pagaya’s growth in 2024.\u003c\/strong\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003ePartnerships enable access to a wider pool of credit-deserving customers.\u003c\/strong\u003e\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\u003eData \u0026amp; Technology Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003ePagaya partners with major credit bureaus, alternative data providers, and cloud infrastructure giants like AWS to power its AI network. These relationships are crucial, supplying the vast datasets for its AI models and the scalable computing power needed for real-time analysis. The quality and breadth of these data collaborations are a significant source of Pagaya’s competitive edge in the lending space.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e\u003cstrong\u003ePagaya processed over 2.7 million network submissions in Q1 2024, emphasizing data reliance.\u003c\/strong\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eAWS provides the foundational infrastructure, supporting Pagaya's cloud-native AI platform.\u003c\/strong\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eAlternative data sources, beyond traditional credit scores, enhance risk assessment capabilities.\u003c\/strong\u003e\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\u003eStrategic Alliances Propel AI Lending to Billions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePagaya's key partnerships encompass financial institutions, including banks and digital lenders, leveraging its AI to expand loan portfolios, generating over $8.7 billion in network volume in 2023.\u003c\/p\u003e\n\u003cp\u003eInstitutional investors are critical, providing over $20 billion in network funding by early 2024 through asset-backed securities purchases.\u003c\/p\u003e\n\u003cp\u003eStrategic alliances with automotive dealerships and major data\/cloud providers like AWS further enable over 2.7 million network submissions in Q1 2024, driving significant growth.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003ePartner Type\u003c\/th\u003e\n\u003cth\u003eContribution\u003c\/th\u003e\n\u003cth\u003e2023\/2024 Data\u003c\/th\u003e\n\u003c\/tr\u003e\n\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eFinancial Institutions\u003c\/td\u003e\n\u003ctd\u003eLoan Underwriting\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;$8.7B Network Volume (2023)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInstitutional Investors\u003c\/td\u003e\n\u003ctd\u003eFunding Source\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;$20B Network Volume (Early 2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eData\/Cloud Providers\u003c\/td\u003e\n\u003ctd\u003eAI Infrastructure\/Data\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;2.7M Submissions (Q1 2024)\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\u003eThis Pagaya Business Model Canvas provides a detailed breakdown of their AI-driven credit network, covering customer segments, value propositions, and revenue streams.\u003c\/p\u003e\n\u003cp\u003eIt offers a strategic overview of Pagaya's operations, ideal for understanding their unique approach to lending and potential for growth.\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\u003ePagaya's Business Model Canvas offers a structured approach to identifying and addressing key pain points in the lending ecosystem, providing a clear roadmap for financial innovation.\u003c\/p\u003e\n\u003cp\u003eIt serves as a powerful tool for dissecting the complexities of credit markets, enabling the company to pinpoint and alleviate inefficiencies for both consumers and partners.\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\u003eAI Model Development \u0026amp; Optimization\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePagaya's core activity centers on the continuous research, development, and refinement of its proprietary machine learning algorithms for credit assessment. In 2024, their data scientists and engineers are intensely focused on enhancing predictive accuracy and reducing bias across diverse lending products. This constant innovation ensures their AI models adapt swiftly to evolving macroeconomic conditions and new asset classes, like expanded auto loan capabilities. Maintaining this technological edge is crucial for processing billions of dollars in loan originations annually.\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\u003eData Aggregation \u0026amp; Analysis\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePagaya's core activity involves ingesting and analyzing vast, diverse datasets from its network of lending partners and various third-party sources. This crucial process includes meticulous data cleaning, advanced feature engineering, and running complex simulations to accurately assess credit risk. The ability to effectively process billions of data points, contributing to over $20 billion in network volume as of early 2024, is central to Pagaya's unique value proposition. This deep analytical capability allows for more precise and inclusive lending decisions, driving their AI-powered financial network.\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\u003ePartner Integration \u0026amp; Network Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePagaya's key activities include the technical and operational work of onboarding new lending partners onto its AI network. This involves crucial API integration to ensure seamless data flow between Pagaya's platform and its partners' systems. Providing dedicated partner support is essential for efficient operations and continued collaboration. A smooth integration process is vital, directly contributing to accelerating network growth, as seen with Pagaya's expanding active network of lending partners in 2024.\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\u003eCapital Markets Execution\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003ePagaya actively structures, markets, and sells asset-backed securities to its network of institutional investors. This complex process involves financial engineering, engaging with critical rating agencies, and meticulous investor relations to ensure consistent demand for these securities. By transforming loan originations into investable assets, Pagaya secures essential liquidity for its financial ecosystem. In 2024, Pagaya continued its robust issuance strategy, with significant volumes of ABS offerings.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e\u003cstrong\u003ePagaya executed multiple ABS transactions in 2024, maintaining strong market presence.\u003c\/strong\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eThese transactions provide crucial liquidity, supporting ongoing loan originations.\u003c\/strong\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eEngaging rating agencies ensures high credit quality for institutional investors.\u003c\/strong\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eThe firm's investor relations efforts are key to consistent demand for securitized assets.\u003c\/strong\u003e\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\u003eRegulatory Compliance \u0026amp; Risk Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003ePagaya operates within the highly regulated financial services industry, making rigorous adherence to compliance a core activity. This includes ensuring its AI models are fair and compliant with evolving regulations, like those concerning fair lending and consumer protection, which saw increased scrutiny in 2024. Managing data privacy and security, crucial given the sensitive financial information processed, remains paramount, with data breaches costing companies an average of $4.45 million globally. Overseeing the overall risk profile of its vast network of partners is vital for Pagaya's long-term sustainability and maintaining trust.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e\u003cstrong\u003eRegulatory changes, such as potential updates to fair lending laws in 2024, require continuous model adjustments.\u003c\/strong\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003ePagaya’s AI models undergo regular audits to ensure fairness and prevent bias, reflecting industry best practices for responsible AI.\u003c\/strong\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eRobust data encryption and access controls are implemented to protect sensitive consumer financial data.\u003c\/strong\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eProactive risk assessments help manage credit, operational, and cyber risks across its lending network.\u003c\/strong\u003e\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\u003eAI Drives $20B+ Lending Volume \u0026amp; Strategic 2024 Growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePagaya's key activities revolve around the continuous development of its AI algorithms for credit assessment, processing over $20 billion in network volume as of early 2024. They actively onboard new lending partners and manage vast datasets to facilitate precise lending decisions. Pagaya also focuses on structuring and selling asset-backed securities, maintaining robust issuance in 2024 to ensure crucial liquidity. Finally, strict compliance with evolving financial regulations and robust risk management are paramount, reflecting increased scrutiny in 2024.\u003c\/p\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;\"\u003eFull Document Unlocks After Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe Pagaya Business Model Canvas you are currently previewing is the exact document you will receive upon purchase. This means there are no mockups or samples; you are viewing a direct snapshot of the final deliverable. Upon completing your order, you will gain full access to this comprehensive, professionally structured Business Model Canvas, ready for your immediate use and customization.\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":55480458248569,"sku":"pagaya-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/pagaya-business-model-canvas.png?v=1752754041","url":"https:\/\/growthsharematrix.com\/products\/pagaya-business-model-canvas","provider":"Growth Share Matrix","version":"1.0","type":"link"}