INTERNAL ENVIRONMENT ANALYSIS

Key Resources

Resources ARGUMENT Level Competitor’s Classification LEVEL

of Comparison of OF
CONCERN
Importance Resources

E-wallet major selling

point is it is features that
(R1) is relevant and seek by 9 7 Key strengths Top
Features consumer. Gcash of all Concern
e-wallet providers has
the highest numbers of
features currently.
Aside from features
the number of
merchants is
(R2) relatively important 7 4 Key Some
Available to the industry weakness Concern
Partnered because if there is no
Stores/ merchant virtually
merchants
the customer’s e-
wallet money is
worthless. Currently
Gcash is the second
highest numbers of
merchant in the
industry.

Merchants and Billers

is quite similar
however merchants
(R3) focus on tangible 7 9 Key strengths Some
Numbers of goods and billers is Concern
Billers more on
service/utilities
payments like
Meralco and Internet
bill. It posts the same
importance as
merchant and Gcash
has the most numbers
on billers in
comparison to its
competitors

Just like banks you

(R4) Virtual can order a physical
and Physical card or virtual to 5 5 Irrelevant No
Cards transact via online of factors Concern
physical store.
Although it has less
significance it can
create a level of
 convince among
users. For instance,
user can only access
their e-wallet
balance using apps
thus always requiring
internet connection.
Cards eliminate this
problem. Currently
Gcash and Paymaya
provided same
physical card option;
Paymaya has the
option to have a
virtual card. The only
key difference is it is
much safer to use
virtual card while
shopping online in
theory, it is pretty
mush negligible
Due to the massive
fluctuation of new
customers, it is
necessary to scale up
(R5) the Operation and 8 8 Key strengths Top
Numbers of employees. This is to Concern
Agent accommodate all
request and
complaints from
customers which is
around 10,000 daily.
Gcash has the highest
numbers of employee
around 500 plus and
70% of its workforce
is to accommodate all
request and
complains that is
around 28 complaints
are being handle by 1
agent every day. On
the other hand,
Paymaya is around
300 plus employee
and assuming 70% of
those are for
complaints
accommodation that
is around 48
complaints per 1
agent. It is not very
efficient.
 Key Capabilities

Capabilities ARGUMENT Level Competitor’s Classification LEVEL

of Comparison of OF
Importance Resources CONCERN

Over PHP 1
trillion in
transactions have
(C1) Transaction passed through the 10 7 Key Top
Accommodation GCash app during strengths Concern
2020, peaking at a
PHP 7.5 billion
daily gross
transaction value,
and with m o r e
than 6 million
transactions in a
day. On the other
hand, Paymaya has
recorded a PHP
700 billion
transaction in the
year 2020. That is
PHP 300 billion
more transaction
in favor of Gcash.
This is related
directly to the
numbers of
manpower
(C2) Request resources of the 9 8 Key Top
and Complaints company. It is strengths Concern
quite significant to
remain the high-
quality services of
the company. E-
wallet business
has a fragile
customer’s loyalty
due to the presence
of competitors with
almost the same to
offer. The only
key differences
will be some key
features and the
services it
provides. In
comparison to its
competitors Gcash
shows a higher
amount of
manpower. Thus,
 it correlates to the
numbers of
complaints they
can
accommodate.

This capability of
the company is
directly related to
(C3) its resources 10 6 Key Top
Convenience namely the strengths Concern
merchants, billers,
and features.
Improving the
numbers of
partners and key
features makes
convinces to its
customers. In
comparison to its
competitors, they
are quite on the
same caliber in
this factor.

In terms of social
works Paymaya
and Gcash has
(C4) Social and done some fair 4 6 Superfluous No
Environmental share amount of Strengths Concern
Program work. Helping the
different
government and
NGO programs
and practically
providing them a
new channel of
donation streams
through donation
features of app.
However, Gcash is
slightly ahead in
terms of
environmental
features. Gcash
Forest, the mobile
wallet’s multi-
awarded features
that has 6.7 million
users actively
collecting carbon
points that is being
used to plant trees.

Although both
 companies have,
they programs
(C5) Financial running that 5 8 Superfluous Some
Literacy Program inform people Strengths Concern
financially. Unlike
Gcash, Paymaya
lacks the key
features to back
their program.
Aside from
financial literacy
program Gcash
has G Invest, G
Savings, and G
Insurance features.
These can be
utilized by people
in their financial
plans.
 SUMMARY

Analysis-Summary Table (Key Resources)

NO CONCERN SOME CONCERN TOP CONCERN

 Virtual and  Available partner  Features

Physical Cards Stores/merchant
 Numbers of Agent
 Number of Billers

Analysis-Summary Table (Key Capabilities)

NO CONCERN SOME CONCERN TOP CONCERN

 Social and  Financial Literacy  Transaction

Environmental Program Accommodation
program  Request and
Complaints

 Convenience
 Gcash Resources and Capabilities Appraisal Framework

10 Superfluous Strengths Key Strengths

Competitors
9 Comparison R3
R5 C2
8 C5
7 R1 C1

6 C4 C3

5 R4
4 R2

1 Irrelevance Factor Key Weaknesses

1 2 3 4 5 6 7 8 9 10

Level of Importance
 Internal Factor Evaluation (IFE) Matrix

Internal Factor Evaluation (IFE) Matrix is a strategy tool will be used to

examine the key Strengths and Weaknesses from the Analysis-Summary of
internal environment analysis. The weighted score from this evaluation will
be used to create a diagnosis and strategy for the completion of strategic
analysis of Gcash

Critical Weight Rating Score

Factors
Features 0.15 4 0.6
S
Numbers of Billers 0.14 3 0.42
T
R Numbers of Agent 0.105 3 0.315
1.00
E Transaction 0.11 4 0.44
N Accommodations
G Request and Complaints 0.125% 3 0.375
T
Convenience 0.13 4 0.52
H
S Social and Environmental 0.02% 3 0.06
Program
Financial Literacy Program 0.03 3 0.09
Partnered 0.14 3 0.42
W Stores/merchant
E Virtual and Physical
A Cards 0.05 2 0.1 3.34
K
N
E
S
S
E
S

TOTAL Minor
Strengths 3.3

Ratings Metrics (1) = Major Weakness (2) = Minor Weakness (3)

= Minor Strength (4) = Major Strength