Luis López - (Template) DE Case Study

DE Case Study
Fall OTT 2023

Name of University/Organization: Universidad Autónoma de Chihuahua,
Universidad Tecnológica de Chihuahua, Universidad Autónoma de Ciudad Juárez.
Universidad La Salle, Chihuahua.
Participant Names:
Luis Alberto López Ramírez.
Emmanuel Francisco García Uribe.
Luis Carlos Hernandez Barraza.
Carmen Esparza Delgado.
Margarita Sofía García Madrid.
Background
Items Contents
Name of Universidad Autónoma de Chihuahua Universidad Tecnológica de Chihuahua,

University/Organiza Universidad Autónoma de Ciudad Juárez, Universidad La Salle, Chihuahua
tion
Luis Alberto López Ramírez.

Emmanuel Francisco García Uribe.
Participants Luis Carlos Hernandez Barraza.
Carmen Esparza Delgado.
Margarita Sofía García Madrid.
México
Country
2
Local Startup
Q: Find a nearby startup that employs digital techniques and approaches to deliver their products or
services. Kindly provide an initial overview of the background of this local startup.
The story of Clip:
Founded in 2012 by Adolfo Babatz, Clip was born with the mission of helping businesses
obtain Digital Payment solutions. The company made its first transaction in 2013 and since
then has led the fintech sector in Mexico as a provider of payment solution of hundreds of
thousands of businesses.
Over the years, Clip has introduced several new products and expanded its services to enable
businesses to digitize their operations. In 2021, it achieved unicorn status, with a valuation
close to $2 billion, after a $250 million investment from Softbank and Viking.
3
Background
4
Part 1
PEST Analysis
Use PEST analysis to analyze the current state of this local startup.
5
PEST Analysis
6
PEST Analysis
7
Part 2
Market Analysis
8
Market Analysis
Q: Please assess the projected market size of the industry/category in the next five years.
we believe that all businesses in Mexico should have the opportunity to access the
latest innovation in financial technology, backed by the best customers service.
Collaborating in Clip means, Join a company that is at the forefront of

technological.
9
Market Analysis
Benefits of Clips:
● Use a single terminal to charge debit and credit cards backed by Visa,
Mastercard and American Express, as well as grocery vouchers.
● No forced deadlines You decide how and when to use Clip, you are not bound
by a usage time.
● No monthly rent, Only purchase the devices that suit your needs and there are
no extra costs.
10
Market Analysis
Benefits of Clips:
● No penalties, There are no fine print, just the same commission is applied to all
your transactions.
● Centralize all your information, If you have more than one branch, you can
deploy Clip mobile terminals in them and you will see information about all of
them in real time.
● Mobility and connection, Collect money outside your branches, deliver or send
your collectors with a terminal with unlimited and free 4G connection for your
transactions.
11
Market Analysis
Benefits of Clips:
● Personalized attention, We help you step by step from planning,

implementation of the system in your company and until the launch of the
operation so that everything is easier.
● Your money in 24 hours, Receive money for all the transactions you make in
24 hours regardless of the day.
● Remote Payments, Create payment links so that your customers can pay
through a unique link.
● Help 24/7, You can contact us in various ways 24 hours a day, 7 days a week.
12
Market Analysis
Q: Please evaluate the advantages and disadvantages of the competitors in the market.
There are a large number of payment terminals in Mexico; Mercado Pago, Clip Plus 2, Point Blue,
NetPay, Terminal Kiwi, Izettle Mexico, Srpago and Billpocket:
Mercado Pago: Disadvantages

● Free account. ● Commissions on credit card
● Installments without credit card. payments.
● QR code for face-to- face sales. ● Direct influence of government
● Bill payment from cell phone.
measure on costs.
● free transfers.
● High interest with credit market.
● investment of money.
● Withdrawing cash has a cost.
● Paid market service cost.
13
Market Analysis
Point Blue
Disadvantages
● Allows you to connect via Bluetooth on your cell phone. ● Its operation depends on each
● Allows you to send receipts via email or text messages. person´s cell phone.
● Accepts cards with chip and magnetic stripes. ● If you have a very old cell phone,
● It has 7 hours of battery. It may not work correctly.
● Its weight is very small. ● It does not allow you to print the
payment receipt.
● If the cell phone runs out of
battery, it will not be possible to
charge the customer.
14
Market Analysis
NetPay
Disadvantages
● Allows you to connect via Bluetooth on your cell phone. ● Its operation depends on each
● Allows you to send receipts via email or text messages. person´s cell phone.
● Accepts cards with chip and magnetic stripes. ● If you have a very old cell phone,
● It has 7 hours of battery. it may not work correctly.
● Its weight is very small. ● It does not allow you to print the
payment receipt.
● If the cell phone runs out of
battery, it will not be possible to
charge the customer.
15
Market Analysis
IZETTLE
● To highlight the union with paypal and modernize the brand, they changed the
name from Izettle to Zettle by paypal. This year they also began operating in the
United States and launched the terminal in the United Kingdom, Sweden and
Germany.
16
Market Analysis
Q: Please analyze the industry trends that this local startup is operating in, such as the projected growth
or decline of potential customers, the level of industry concentration or dispersion, and the likelihood of
new players entering the market.
This local startup is operating in:
● Grocery stores.
● Restaurants.
● Barbershops.
● Coffee shops.
● Beauty salon.
● Gyms.
● Jewelry stores.
17
Market Analysis
Clip Empresas: the solution for medium and large companies.
● if the business has several branches of you simply use multiple Clip
Terminals in your daily operations, Clip empresas is for them.
● Clip Empresas: helps you manage all transactions more effectively from
one place. Get better control of all branches, centralize all transactions
and make better data driven decisions.
18
Market Analysis
¿Does the company make home deliveries? Implement the best solutions
● Customer service counts until the last moment customers make a

payment
● If the business offers delivery or home delivery services then equip

yourself with the best terminals to collect payments from anywhere
quickly and with great practicality
● Clip enables an entire point of sale in the same terminal including a ticket
printer and unlimited free internet
19
Market Analysis
connect websites of mobile apps with payment systems
● Access all documentation SDKs and APIs through the Developer Portal
● You learn step by step how to integrate our payment systems to your
website of mobile app, receive automated reports on your sales, obtain
real-time notifications and much more
● additionally, learn about and take advantage of our e-commerce plugins
SDKs and APIs for Android and IOS
20
Part 3
Consumer Persona
21
CONSUMER PERSONA CLIP
Name: Eloisa Jiménez Interests and Needs:
● Age: 30 years
● Interested in obtaining financial insights and sales
● Occupation: Entrepreneur
Demographic Characteristics: statistics to enhance decision-making.
and small business owner.
● Requires quick access to funds and is looking for
● Location: León,
● Resides in urban areas. solutions that offer immediate settlement.
Guanajuato, Mexico.
● Utilizes mobile devices, particularly Android ● Values transaction security and protection against
● Monthly Income: 45,000
and iOS smartphones. fraud.
MXN.
● Maintains stable internet connectivity.
● Educational Background:
Holds a Bachelor's degree
in Business Administration.
Financial Behavior: Preferred Communication Channels: Clip Usage Preferences:
● Prefers conducting electronic transactions ● Engages in frequent transactions using the Clip
over using cash. ● Active on social media: mobile application.
● Seeks financial tools that streamline the ● Utilizes the platform to receive payments from
management of finances and payments. clients and make payments to suppliers.
● Expresses interest in savings options and ● Prefers receiving updates and promotions through ● Prefers financial solutions that are secure and
benefits tailored for small businesses. email and push notifications on the mobile user-friendly.
application.
22
CONSUMER PERSONA CLIP
Creating a detailed consumer persona profile for a fintech involves a
They are active on digital platforms, prefer digital communication, use devices such
comprehensive understanding of the target audience. Some elements to consider
as tablets and mobile phones, and prefer information channels like social media,
include demographic information, age, gender, income, employment status,
business blogs, and online news. Their concerns include transaction security and
profession, educational level, needs and objectives, financial goals, behaviors and
transparent fees, and their personality is characterized by being proactive
communication preferences, communication channels, technologies used, devices
entrepreneurs willing to adopt new technologies.
utilized, familiarity with financial technology, experience in Fintech, concerns,
objections, past experiences, and previous relationships with financial institutions. Analyzing the motivations for users choosing Clip for financial transactions, they focus
on the advantages and features offered by the platform, such as ease of use, the
The creation of a consumer persona is an ongoing process and can be adjusted
ability to generate detailed reports, adaptability to small businesses, transaction
based on market evolution, changes in the audience, and updates in services.
speed, security, fraud protection, diversity in payment methods, personalized
Information is commonly obtained from market research, surveys, interviews, and
customer support, and continuous technological updates.
data analysis.
In summary, the consumer persona is a dynamic document that must be adjusted in

The general information about the characteristics of the Clip consumer persona in
response to changes in the market and the company. The key is to remain flexible and
2021 reflects that they are entrepreneurial professionals of both genders, aged
receptive to feedback and the evolving needs of users.
between 25 and 40 years, with medium to high incomes. They own small and
medium-sized businesses with a university education level. Their financial goals
include simplifying payment processes and achieving improvements in the
financial efficiency of their businesses.
23
Part 4
Solution
24
Solution
Q: Who is the target customer of this start up company?
Small and Medium Enterprises (SMEs): Clip targets SMEs across various industries such as retail, food
services, local vendors, and service providers.
Tech-Savvy Entrepreneurs: Individuals or companies looking for modern and user-friendly payment
solutions. They might value technology and seek innovative ways to streamline their businesses.
Mobile-First Businesses: Companies that prioritize mobile commerce or have a strong online presence.
Clip´s mobile payment devices appeal to businesses needing on-the-go and versatile payment solutions.
Local Market Merchants: Brick-and-mortar stores, market stalls, and local vendors who previously relied
on cash transactions and are now seeking to expand payment options to include cards.
Startups and New Ventures: Emerging businesses and startups looking for cost-effective and flexible
payment solutions that can scale with their growth.
Service Providers: Professionals like consultants, freelancers, and mobile service providers seeking
portable payment options for client transactions.
25
Solution
Q: What are the target customers’ pain points?
Customers using traditional credit and debit cards may face several pain points, which can include:
Security Concerns: Worries about card fraud, identity theft, or unauthorized transactions can be a
significant concern, especially with the increasing frequency of data breaches.
Inconvenient Processes: The process of using traditional cards might be seen as cumbersome,
involving multiple steps like swiping, inserting, or typing in PINs, which could slow down transactions.
Limited Acceptance: Some users might find that certain businesses or vendors don’t accept cards,
especially in smaller or cash-driven establishments, leading to inconvenience.
High Fees and Charges: Customers might be frustrated by various fees associated with traditional card
usage, including annual fees, foreign transaction fees, ATM charges, and interest rates.
26
Solution
Q: What are the target customers’ pain points?
Dependency on Infrastructure: Reliance on physical cards means the risk of misplacement, damage, or
loss. This can be a hassle, requiring card replacements and potential temporary loss of access to funds.
Privacy Concerns: Customers might be concerned about the collection and use of their personal data by
financial institutions and other parties involved in card transactions.
Limited Flexibility: Some users might feel restricted by the limitations of card payments, such as the
inability to easily split payments, delay in transaction processing, or constraints when making international
purchases.
Addressing these pain points by providing secure, user-friendly, and versatile electronic payment solutions
could be a key focus for companies in the payment industry. Innovations such as mobile payment
solutions, enhanced security measures, transparent fee structures, and seamless transaction experiences
aim to mitigate these issues and improve the overall customer experience.
27
Solution
Q: What are the specific products and services offered by this startup company?
It can receive Remote Payments by card through a link. It also accepts in-
person payments without using the card, through a QR code.
Add more services to the user´s core business. Generate an extra income through the
sell of mobile airtime to the customers and increase up to 6% more for each balance sale.
Get a personalized loan to grow your business. Receive offers based on

your sales history and pay them monthly.
Digitize your inventory for free and manage it from your cell phone to keep better control
of the rotation of your products.
Check out Clip. Integrate our payment gateway into your website. Facilitate your customers'
purchasing experience and worry-free by accepting payments safely, quickly and easily.
28
Solution
Q: In what way does the local startup address the needs and concerns of consumers by offering their
product or service?
Clip is a Mexican company that offers electronic payment solutions, including mobile devices that allow
merchants to accept credit and debit card payments via smartphones or tablets. Provides mobile card
readers and associated services to facilitate secure and easy transactions for small and medium-sized
businesses in Mexico.
Clip addresses the needs and concerns of traditional credit and debit card users in several ways:
Enhanced Security Measures: Electronic payment solutions often incorporate advanced security
features like encryption, tokenization, and biometric authentication to ensure secure transactions,
alleviating concerns about fraud and identity theft.
Convenience and Ease of Use: These solutions offer streamlined and user-friendly interfaces, allowing
for quicker and more straightforward transactions compared to traditional card methods. Mobile payment
apps and contactless technology simplify the payment process.
Wider Acceptance: Electronic payment solutions aim to expand acceptance by merchants, including
small businesses and vendors, thereby reducing the inconvenience of limited card acceptance faced by
traditional card users..
29
Solution
Q: In what way does the local startup address the needs and concerns of consumers by offering their
product or service?
Reduced Fees and Costs: Some electronic payment providers offer competitive fee structures, lower
transaction fees, and fewer additional charges compared to traditional card companies, making the
payment process more cost-effective for users.
Flexibility and Mobility: Mobile payment solutions provide users with the flexibility to make payments
anytime, anywhere, using their smartphones or tablets, reducing dependency on physical cards and
enabling versatile payment options.
Innovative Features: These solutions often come with additional features like transaction tracking,
budgeting tools, and loyalty program integration, enhancing the overall payment experience for users.
Data Privacy and Control: Some electronic payment providers prioritize user privacy by allowing
customers to control their data and providing transparent privacy policies, addressing concerns about data
collection and usage.
Customer Support: Clip offers responsive customer support, providing assistance and guidance to users
facing issues or needing help with transactions or the platform.
30
Part 5
Digital Marketing Analysis
31
Q: Utilize the 5A marketing framework to analyze the various consumer touchpoints for the product or
service provided by the company.
Aware
Clip is using multiple touchpoints to raise awareness of its brand and benefits to businesses that
want to accept digital payments with any card and online.
Clip is investing in
ads on social
networks such as
Facebook,
Instagram.
32
Aware
In YouTube, Clip
shows testimonials
from satisfied
customers, success
stories, tutorials, etc.
33
Aware
Also, Clips using

Google Ads to
appear in the first
search results when
users search for
digital payment
solutions.
34
Aware
Clip is creating valuable
content for its target
audience, such as articles,
videos, podcasts,
infographics, etc. where
he educates about the
importance of accepting
digital payments, market
trends, the benefits of
Clip, etc. These contents
are disseminated on their
website, their blog, their
social networks, etc.
35
Appeal
Clip is awakening the interest of potential customers in its products or services, and making them
consider the option of purchasing them. This by:
Website: Clip has an attractive, functional,

informative and persuasive website, where
it shows the different readers it offers, its
characteristics, its prices, its payment
methods, etc. and where it invites the user
to buy them or request more information.
The website also has a chatbot that assists
the user in real time and provides them with
information about Clip, answers their
frequently asked questions, suggests the
most suitable reader for their business, etc.
36
Q: Utilize the 5A marketing framework to analyze the various consumer touchpoints for the product or service
provided by the company.
Appeal
Social Media: Clip has profiles
on social networks such as
Facebook, Instagram, Twitter,
LinkedIn, etc. Where you interact
with your audience, share
valuable content, resolve
questions, offer promotions, etc.
And where it directs the user to
your website. It also uses these
networks to carry out remarketing
campaigns, where it shows
personalized ads to users who
have already visited its website or
have shown interest in its
products or services.
37
Appeal
Email marketing: Clip runs personalized and segmented

email marketing campaigns, where it sends relevant
messages to the user, such as special offers, testimonials,
tips, reminders, etc. And where it prompts the user to take
action. It also uses email marketing to track and evaluate
users who have purchased or contracted its products or
services, thanking them for their preference, requesting
their opinion, offering them help, suggesting
improvements, etc.
38
Appeal
Events: Clip participates in events related
to its sector, such as fairs, exhibitions,
conferences, workshops, etc. It also
organizes its own events, such as
webinars, where it explains how Clip
works, its benefits, its success stories, its
best practices, etc. and where he answers
questions from the audience live.
39
Ask
At this stage, Clip is providing more information to potential customers about your products or services, and
resolving their objections or concerns.
Chatbot: As already
mentioned, Clip has a chatbot
on its website that assists the
user in real time, provides them
with information about Clip,
answers their frequently asked
questions, suggests the most
suitable reader for their
business, etc. The chatbot also
gives the user the option to
contact a human agent if they
wish or if the chatbot is unable
to resolve their query.
40
Customer Service: Clip has a Ask

customer service team that
communicates with the user via
phone, email, WhatsApp, etc. and that
provides you with personalized,
professional and efficient attention,
resolving your doubts, complaints,
suggestions, etc. Customer service is
also responsible for monitoring and
evaluating customers who have
purchased or contracted your
products or services, thanking them
for their preference, asking for their
opinion, offering them help,
suggesting improvements, etc.
41
Ask
Blog: Clip has a blog where it
publishes detailed and updated
articles about its products or
services, its news, its advice, its
comparisons, etc. and where it
allows the user to deepen their
knowledge about the brand. The
blog also has a comments section
where the user can express their
opinion, ask questions, give
suggestions, etc. and where Clip
interacts with the user and
responds to them.
42
Ask
Webinars: As already
mentioned, Clip organizes
webinars where it explains how
Clip works, its benefits, its
success stories, its best
practices, etc. and where he
answers questions from the
audience live. The webinars
also serve to show the user how
to use the Clip product or
service, how to activate it, how
to configure it, how to resolve
technical problems, etc.
43
Act
Clip is facilitating the customer's process of purchasing or contracting your product or service, and
offering them a satisfactory and memorable experience. Some of the touchpoints you are using are:
Shopping cart: Clip has a secure, fast and

simple online purchasing system, where the
customer can select the reader they want,
add it to the cart, choose the payment
method, enter their data, confirm the
purchase, etc. The purchasing system also
offers the customer the option to purchase
other complementary products or services,
such as insurance, warranties, accessories,
etc.
44
Act
Shipping and delivery: Clip has a free,
punctual and reliable shipping and delivery
service, which gets the product to the
customer in the shortest possible time, and
which notifies you of the status and location
of your order at all times. The shipping and
delivery service also includes an invoice,
user manual, activation code, surprise gift,
etc.
45
Act
Activation and use: Clip has an easy and
intuitive activation and use process, which
allows the customer to start using the
reader immediately, and which provides
technical support, tutorials, manuals, etc. in
case you need it. The activation and use
process also offers the customer the option
to download the Clip mobile application,
where they can manage their sales, their
collections, their clients, their reports, etc.
46
Act
Monitoring and evaluation: As already mentioned, Clip has a monitoring and evaluation system that contacts the
customer after the purchase, thanks them for their preference, asks for their opinion, offers help, suggests
improvements, etc. The monitoring and evaluation system also sends the customer satisfaction surveys, invitations to
events, exclusive offers, etc.
47
Advocate
Loyalty program: Clip has a loyalty program that
rewards customers for their loyalty, offers them
exclusive benefits, gives them access to discounts,
gifts, raffles, etc. and that motivates you to continue
buying or hiring your products or services. The loyalty
program also allows the customer to accumulate
points for each purchase or contract, which can be
exchanged for other products or services from Clip or
its commercial partners.

48
Advocate
Community: Clip has a
community where the client
can interact with other clients,
share their experiences,
resolve their doubts, give their
suggestions, and learn. Even
clients can become Clip
Agents, obtaining great
benefits.
49
Q: Utilize the 5A marketing framework to analyze the consumer journey for the product or service offered
by the company.
Aware
At this stage, Clip is raising awareness of its

brand and its benefits for businesses that want
to accept digital payments with any card and
online. To do this, it is using different channels
and media, both online and offline, to reach its
target audience and generate curiosity and
interest in its value proposition. Some of the
channels and media it is using are: online
advertising, offline advertising, content
marketing and referral marketing.
50
by the company.
Appeal
Clip is generating attraction for its products or

services, and making potential customers
consider the option of purchasing them. To do
this, it is using different digital marketing tools
and strategies to capture the public's attention,
offer them valuable content, resolve their
doubts, offer them promotions, etc. Some of the
tools and strategies it is using are: website,
social networks, email marketing and events.
51
by the company.
Clip is providing additional Ask

information to potential customers
about its products or services,
and resolving their objections or
concerns. To do this, it is using
different resources and customer
service channels to provide you
with detailed, updated and
personalized information, and to
respond to your frequently asked
questions, complaints,
suggestions, etc. Some of the
resources and channels you are
using are: chatbot, customer
service, blog and webinars.
52
by the company.
Act
Clip is facilitating the customer's process of
purchasing or contracting your product or
service, and offering them a satisfactory and
memorable experience. To do this, it is using
different elements and conversion factors to
make the customer feel safe, comfortable and
confident when making the transaction, and to
offer quality, punctual and reliable service.
Some of the elements and factors you are
using are: shopping cart, shipping and delivery,
activation and use, and tracking and evaluation.
53
by the company.
Advocate
Clip is building customer loyalty and turning
them into an ambassador or defender of your
brand, who recommends the brand to other
businesses and generates trust and credibility
in the market. To do this, it is using different
relationship marketing programs and actions to
reward the customer for their loyalty, offer them
exclusive benefits, create a community, collect
their testimonials, etc. Some of the programs
and actions it is using are: loyalty program,
community, testimonials and referrals.
54
Q: Conduct research on the digital marketing strategies that the company has developed.
Product strategy
Clip has designed and
developed different types of
readers that adapt to the needs
and preferences of each
business, from the most basic
that connects to a cell phone,
to the most advanced that has
a touch screen, printer and
internet connection. Clip has
also created a mobile
application that allows
businesses to manage their
sales, their collections, their
clients, their reports, etc. in an
easy and intuitive way.
55
Pricing strategy
Clip has established a

competitive and transparent
price for its products and
services, without hidden
commissions, without rents,
without contracts, without
forced deadlines, etc. Clip has
also offered different payment
methods such as cash, card,
transfer, etc. and different
financing plans, such as
interest-free months, credits,
etc.
56
Distribution strategy
Clip has expanded its distribution
network, both online and offline,
to reach more businesses
throughout the country. Clip has
enabled its website, its mobile
application and different e-
commerce platforms, such as
Mercado Libre, Amazon, etc. So
that businesses can buy their
readers quickly and safely. Clip
has also established alliances
with different commercial chains,
such as Oxxo, Walmart, Coppel,
etc. so that businesses can
acquire their readers in a physical
and close way.
57
Communication strategy
Clip has developed effective and persuasive communication,

both online and offline, to publicize its brand and its benefits
to businesses that want to accept digital payments with any
card and online. Clip has invested in online advertising, such
as social networks, search engines, web portals, etc. to
generate curiosity and interest in your value proposition. It
has also created valuable content, such as articles, videos,
podcasts, infographics, etc. to educate the public about the
importance of accepting digital payments, market trends,
benefits of Clip, etc. Clip has also encouraged referral
marketing, offering discounts, gifts, raffles, etc. to customers
who recommend the brand to other businesses.
58
Part 6
Business Model Analysis
59
Business model canvas presentation for Clip
Key Key Activities Value Customer Customer
● Development and
Partners propositions Relationships Segments
Maintenance of
● Customer Support
Technological Platforms
● Payment Service ● Marketing and Customer ● Facilitation of ● Training for
Providers Acquisition Mobile Payments Merchants
● Financial Institutions ● Training for Merchants and ● Point of Sale ● Technological and ● Small Merchants
● Associated Merchants Users Solutions Security Updates ● Medium-sized
● Research and Development Enterprises
● Technology Developers ● Access to
Transactional Data ● E-commerce
Key Resources ● Channels Companies
● Mobile Payment Security and
Reliability in ● Mobile Platform ● Individual
Technology
Transactions (Clip Application) Consumers
● Software and Application
● Partnerships with
Development
Merchants
● Network of Associated
● Website
Merchants
● Direct Sales Teams
● Customer Support Team
Cost Structure Revenue Streams

● Transaction Commissions
● Development and Maintenance of Software ● Service Fees
● Marketing and Advertising Expenses ● Subscription Models (for premium services)
● Operating Costs ● Licensing Agreements
● Salaries and Wage
To analyze the company's performance on different elements of the Business Model Canvas for Clip, we
can assess various aspects of each canvas component:
Customer Segments
Performance
● Evaluate the company's success in targeting and serving different customer segments, such as small
businesses, medium enterprises, e-commerce companies, and individual consumers.
Indicators
● Customer acquisition rates.
● Customer satisfaction surveys.
● Market share in each segment.
61
Value Proposition
Performance
● Assess how well Clip's value proposition aligns with the needs and expectations of its customers,including
the facilitation of mobile payments, point-of-sale solutions and security features.
Indicators
● Customer feedback.
● Usage patterns.
● Differentiation from competitors.
62
Channels
Performance
● Evaluate the effectiveness of distribution channels, including the Clip mobile app, partnerships with
merchants, the website, and direct sales teams.
Indicators
● Customer acquisition cost.
● Channel utilization rates.
● User engagement metrics.
63
Customer Relationships
Performance
● Analyze how well Clip manages customer relationships through customer support, training for
merchants, and regular updates on technology and security.
Indicators
● Customer retention rates
● customer support response times.
● satisfaction scores.
64
Revenue Streams
Performance
● Assess the company's revenue streams, such as transaction commissions, service fees, subscription
models, and licensing agreements.
Indicators
● Revenue growth.
● Average revenue per user.
● Diversification of revenue sources.
65
Key Resources
Performance
● Evaluate the effectiveness of key resources, including mobile payment technology, software
development capabilities, the network of associated merchants, and the customer support team.
Indicators
● Technology uptime
● Innovation rate
● Resource utilization efficiency.
66
Key Activities
Performance:
● Analyze the efficiency and effectiveness of key activities, such as technology platform development,
marketing and customer acquisition efforts, training programs, and research and development.
Indicators
● Time-to-market for new features.
● marketing ROI.
● Innovation success rate.
67
Key Partnerships
Performance
● Assess the strength and strategic value of key partnerships with payment service providers, financial
institutions, associated merchants, and technology developers.
Indicators
● The impact of partnerships on expanding the user base.
● Market reach.
● Service capabilities.
68
Cost Structure
Performance
● Evaluate the efficiency of cost management in areas such as software development, marketing,
operational costs, and personnel.
Indicators
● Cost-to-revenue ratio.
● Cost reduction strategies.
● Cost efficiency.
69
References
Clip.mx. (s/f). Historia, misión y visión de la Fintech #1 en México - Clip.mx. Recuperado el 7

de diciembre de 2023, de https://www.clip.mx/acerca-de-clip/sobre-nosotros
CAF. (s.f.). Banco de Desarrollo de América Latina y el Caribe. Recuperado el 6 de 12 de

2023, de La importancia de la educación financiera para las mipyme:
https://www.caf.com/es/conocimiento/visiones/2021/06/la-importancia-de-la-educacion-financ
Blog de Clip. (2021, October 18). ¿Qué son los Clip Agentes y cómo ser uno? Consulted December 6 iera-para-las-mipyme/
of 2023. Extracted from: https://blog.clip.mx/articulo/que-son-los-clip-agentes-y-como-ser-uno .
Clip. (2021, September 15). Cobrar o no la comisión por tarjeta en mi negocio. Consulted December CESCE, (2022). Gestión de cobros: ¿Qué es y en qué consiste? Recuperado el 6 de 12 de
5 of 2023. Extracted from: 2023, de https://www.cesce.es/es/w/asesores-de-pymes/gestion-de-cobros .
https://blog.clip.mx/articulo/cobrar-o-no-la-comision-por-tarjeta-en-mi-negocio
Gestiopolis. (s.f.). Necesidades de las pequeñas y medianas empresas. Recuperado el 06
Clip. (s. f.). Clip. Consulted December 5 of 2023. Extracted from: https://www.clip.mx/ de 12 de 2023, de
https://www.gestiopolis.com/necesidades-de-las-pequenas-y-medianas-empresas/.
Clip. (s. f.). Productos Clip. Clip. Consulted December 6 of 2023. Extracted from:
https://www.clip.mx/productos-clip?utm_id=go_cmp-971686278_adg-80994517081_ad- Küfner, S. (s.f.). Clip -La evolución de la Startup más Exitosa de México. (MEDIUM, Editor, &
683747577335_kwd-836974412077_dev-c_ext-_prd-_mca-_sig-CjwKCAiA1MCrBhAoEi S. M. NewCo, Productor) Recuperado el 06 de 12 de 2023, de Clip- La evolucion de la
wAC2d64Uf8XI6YpIYHOUYoWSCB5fyhBA51ys-FheRDKeEgxQw6uWEPTjIhZBoC39E Startup mas exitosa de México:
QAvD_BwE&utm_source=google&k_cca=yesbrand&utm_term=go_cmp-971686278_ad https://medium.com/newco-shift-mx/clip-la-evoluci%C3%B3n-de-la-startup-m%C3%A1s-exito
g-80994517081_ad-683747577335_kwd-836974412077_dev-c_ext-_prd-_mca-_sig-Cj sa-de-m%C3%A9xico-d520bdc6ef51
wKCAiA1MCrBhAoEiwAC2d64Uf8XI6YpIYHOUYoWSCB5fyhBA51ys-FheRDKeEgxQw6 .
uWEPTjIhZBoC39EQAvD_BwE&gad_source=1&gclid=CjwKCAiA1MCrBhAoEiwAC2d64
Uf8XI6YpIYHOUYoWSCB5fyhBA51ys-FheRDKeEgxQw6uWEPTjIhZBoC39EQAvD_Bw Lucila, D. P. (2016). Analysis and relevance in business development. pag.19.
E
https://www.researchgate.net/publication/305821752_Analysis_and_relevance_in_business_
development
Clip. (2021). Soluciones. Consulted December 6 of 2023. Extracted from:
.
https://www.clip.mx/soluciones
NETCOMMERCE. (s.f.). 4 Estrategias de retención de clientes, que si funciona. Recuperado
Clip. (2020). Videos y webinars. Consulted December 5 of 2023. Extracted from:
el 6 de 12 de 2023, de https://info.netcommerce.mx/retencion-de-clientes/.
https://blog.clip.mx/videos-y-webinars
70
71

Luis López - (Template) DE Case Study

Uploaded by

Document Information

Original Description:

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Luis López - (Template) DE Case Study

Uploaded by

Copyright:

Available Formats

DE Case Study

Fall OTT 2023

Name of Universidad Autónoma de Chihuahua Universidad Tecnológica de Chihuahua,

Luis Alberto López Ramírez.

Collaborating in Clip means, Join a company that is at the forefront of

● Personalized attention, We help you step by step from planning,

Mercado Pago: Disadvantages

● Customer service counts until the last moment customers make a

● If the business offers delivery or home delivery services then equip

Financial Behavior: Preferred Communication Channels: Clip Usage Preferences:

In summary, the consumer persona is a dynamic document that must be adjusted in

medium-sized businesses with a university education level. Their financial goals

include simplifying payment processes and achieving improvements in the

financial efficiency of their businesses.

Q: What are the target customers’ pain points?

Q: What are the target customers’ pain points?

Get a personalized loan to grow your business. Receive offers based on

Also, Clips using

Website: Clip has an attractive, functional,

Email marketing: Clip runs personalized and segmented

Customer Service: Clip has a Ask

Shopping cart: Clip has a secure, fast and

At this stage, Clip is raising awareness of its

Clip is generating attraction for its products or

Clip is providing additional Ask

Clip has established a

Clip has developed effective and persuasive communication,

Cost Structure Revenue Streams

Clip.mx. (s/f). Historia, misión y visión de la Fintech #1 en México - Clip.mx. Recuperado el 7

CAF. (s.f.). Banco de Desarrollo de América Latina y el Caribe. Recuperado el 6 de 12 de

You might also like