Luable GTM brain

category

market profile

• text: Colombian banks offer different CDT rates, making the choice of institution and term consequential for savers.
• text: Smaller lenders depend heavily on CDTs for funding, according to its founder in a 2023 interview.

personas

• title: Colombian retail saver
  pains:

  • Comparing rates across institutions takes time and offers are difficult to assess.
  • Opening a term deposit can require branch visits and paperwork.
• title: Bank head of deposits or retail acquisition
  pains:

  • Needs deposit funding to support lending.
  • Traditional branches and sales staff add fixed acquisition cost.
• title: Small business treasury owner
  pains:

  • Wants to compare returns and maturity terms before locking up cash.
  • Must weigh liquidity against deposit yields.

icp

• text: Retail savers in Colombia with funds to place in a fixed-term deposit, including first-time investors.
• text: Colombian regulated banks seeking digital access to retail deposits, especially smaller institutions reliant on deposit funding.

message pillars

• text: Compare multiple banks in one place.
• text: Open a CDT without queues or paperwork.
• text: Invest directly with the bank rather than handing funds to the marketplace.

objections

• objection: Is my money held by the marketplace?
  response: MejorCDT says the deposit is made directly with the bank; check deposit insurance limits and the institution's eligibility.
• objection: Does it compare every bank?
  response: The company says opening is limited to institutions with commercial agreements and its comparison may not cover every bank.
• objection: Can I access money before maturity?
  response: Check the terms of its flexible CDT service before investing; early access is conditional.

competitors

• name: Nu Colombia
  why: Its savings product competes for Colombian savers' cash, although it is not a deposit marketplace.
• name: Lulo Bank
  why: A digital banking alternative competing for retail savings balances.

influencers

• name: Carlos Correa
  url: https://forbes.co/emprendedores/somos-un-producto-de-nicho-enfocado-en-que-la-gente-de-a-pie-pueda-invertir-dice-fundador-de-mejorcdt
  why: Co-founder who publicly explains the market and product.
• name: David Susa
  url: https://www.enter.co/fintech/entrevista-mejorcdt-la-historia-de-la-plataforma-que-transformo-la-forma-de-abrir-cdt-en-colombia/
  why: Co-founder and technology leader interviewed about digital deposit opening.

keywords

• mejores tasas CDT Colombia
• simulador CDT
• comparar CDT bancos
• abrir CDT digital
• CDT empresas
• seguro Fogafín CDT

voice

• Accessible Spanish
• Reassuring about safety
• Practical and comparison-led

signals

• text: A saver is approaching a deposit maturity or actively comparing term deposit rates.
• text: A bank is looking to grow its deposit base to fund lending.

pricing

motion

channels

• SEO
• mobile app
• financial education
• LinkedIn
• bank partnerships

confidence

Founders

• name: Charlie Correa
  title: Founder
  role: Founder
  bio: Early Uber employee, launched UberX in Colombia, Dominican Republic and Argentina, and led DiDi Chuxing expansion in Colombia as Head of Ops building a team of 50 people and capturing 30% of market share in 3 months. Now building Luable, a fintech that allows Banks get faster and cheaper funding from Retail users, that already has USD $30M+ in deposits, from thousands of Retail users.
• name: David Susa
  title: Founder
  role: Founder
  bio: Colombian. Systems and Computing Engineer. Msc on Information Security. In God I trust, all others must bring data. +8 years working on software development, serving thousands of customers on a SaaS platform for real state in LATAM. +5 years working on fintech space.