Success Story

Retail with its own credit

How Academia abc brought together in Clikma the training of its store and financial product teams, with certificates and synced employee records.

3,900+current employees

80,000+modules completed on the platform

31,000+certificates issued

Academia abcRetail and credit · Chile

On Clikma since 2025

3,900+ current employees

31,000+ certificates issued

In-store training

Synced employee records

In short

Academia abc, the academy of tiendas abc, a retailer with its own credit, has used Clikma since 2025 to train more than 3,900 current employees, with more than 80,000 modules completed and more than 31,000 certificates issued.

Academia abc has used Clikma since late 2025 to train its teams. As of October 17, 2026, it has more than 3,900 current employees on the platform; more than 80,000 modules have been completed on it, more than 37,000 tests have been answered and more than 31,000 certificates have been issued.

It also loaded more than 35,000 earlier or external training records, to keep each person's track record in one place, and its employee records update automatically through an integration.

Figures measured in production as of October 17, 2026Success stories

Industry challenges

Learning challenges in retail with its own credit

The most common training challenges in Chilean retail chains that sell durable goods with their own credit, with the rule that makes them mandatory and how Clikma addresses them. "How Clikma addresses it" describes the platform, not what each client uses.

Store credit with clear information
Whoever offers the store's card or credit has to explain the cost and conditions properly, without making the purchase conditional on it. A mistake on the sales floor ends in complaints or fines.
Regulation (Chile): Law 20,555 (SERNAC Financiero), which also applies to retailers: summary sheet, equivalent annual cost (CAE) in advertising with installments or rates, and a ban on tied sales.
How Clikma addresses it
Short courses with assessments for each sales and credit role, with a certificate with a set validity period. With Tu Mentor, people rehearse by voice how to explain the cost of credit, and reports show progress by store.
Anti-money laundering, every year and on record
Entities that issue or operate credit cards must train all their staff every year on preventing money laundering and terrorist financing, and keep a record of each training.
Regulation (Chile): Law 19,913, article 3: credit card issuers and operators are obligated entities before the UAF. UAF Circular No. 62 of 2025: annual training for all employees, recording the format, date and participation.
How Clikma addresses it
An annual course assigned to the whole workforce, with a deadline and a risk light. Each person's attendance, with its date and format, and assessment are recorded; the manual is delivered with a signed read receipt and the report is exported for the audit.
Debt collection that respects debtors' rights
Whoever collects store card debts has to do it within the law: at permitted hours, without exposing the debt to third parties and informing debtors of their rights.
Regulation (Chile): Law 19,496, article 37: bans calls and visits outside business days and hours and communications to third parties about the debt. SERNAC specifies that calls may only be made Monday to Saturday, from 8:00 to 20:00.
How Clikma addresses it
A course with an assessment on collection rules and the company protocol, with a signed read receipt. In Tu Mentor, people practice a difficult collection call by voice, with feedback.
Advised sales of durable goods and the legal warranty
In technology and appliances, customers expect advice, products change every season and the legal warranty creates returns and exchanges that the team has to solve well from the first contact.
Regulation (Chile): Law 19,496, with the six-month legal warranty set by Law 21,398 (Pro Consumer): customers choose between exchange, repair or refund.
How Clikma addresses it
Short content by product category, which can be created with AI from the supplier's product sheets. The assistant searches lesson content to answer questions in the store, and supplier content licenses are managed on the same platform.
Two cultures after the merger, high-turnover teams
Integrating two chains requires unifying procedures and culture while stores are reorganized, and salespeople are among the roles with the highest turnover in retail.
How Clikma addresses it
Stage-based onboarding that is the same for every store, internal communications that show who read each change, pulse surveys to see how the team is doing, and the Command Center to compare indicators by store and region.
Mandatory prevention course, with evidence
Every employer, regardless of industry or contract type, must provide an occupational risk prevention course of at least 8 hours and, from November 1, 2026, prove it with verifiable and traceable records.
Regulation (Chile): Law 16,744 and Decree (DS) 44 of 2023, article 16. Technical Guide of the Undersecretariat of Social Security (Exempt Resolution 1,117 of 2026).
How Clikma addresses it
A single plan in person, by webinar or by e-learning. Each person's attendance, assessment, certificate, instructor, date and duration are recorded, and reports can be exported for an inspection.

What are the main training challenges in retail with its own credit in Chile?

Offering store credit with clear information; training card issuers and operators every year on anti-money laundering; collecting debts while respecting debtors' rights; advising on durable goods sales and handling the legal warranty well; integrating cultures and procedures with high-turnover teams; and proving the mandatory risk prevention course.

Sources

The client

Store teams and financial product teams

Academia abc is the corporate academy of tiendas abc, a Chilean retail chain that sells durable goods —technology, appliances, home and apparel— in stores and online, with its own credit.

What it trains, according to its content titles: in-store sales and advice, financial products such as credit cards, insurance and financing, cash handling, leadership for managers, culture, Chile's Karin Law, prevention and safety.

What it solved with Clikma

Training across the whole network, with certificates and follow-up

With Clikma, Academia abc assigns its training by programs and paths, each person takes their tests and receives their certificate, and managers follow their teams.

Its employee records update automatically from its HR system, and the Command Center shows training progress.

What it uses today, according to the data

Own e-learning
More than 700 modules of its own, with SCORM packages and lessons in Clikma's player, in courses and learning paths.
Tests
More than 37,000 tests answered by more than 4,600 people.
Certificates
More than 31,000 certificates issued to more than 4,300 people.
Training history
More than 35,000 earlier or external training records, loaded in March 2026.
Synced employee records
Records update through an integration: more than 550 automatic loads since November 2025.
Reporting lines in records
More than 2,700 records with their manager, so each leader can follow their team.
Command Center
13 indicator dashboards published since April 2026 and its annual report.

Academia abc's figures on Clikma

Figures measured in production as of October 17, 2026

3,900+ current employees
Active (not archived) employee records on the platform.
80,000+ modules completed on the platform
Modules completed on the platform under the Command Center rule. Does not include the loaded history.
31,000+ certificates issued
Certificates with an approval date, since January 2026.
37,000+ tests answered
Submitted (completed) responses to tests on the platform.

Frequently asked questions

Since when has Academia abc used Clikma?

Since late 2025: its first accounts date from November 2025 and large-scale training started in February 2026.

What does Academia abc use in Clikma?

Its own e-learning in courses and paths, tests, certificates, the record of its training history, employee records synced through an integration, reporting lines for managers and the Command Center.

How many people does Academia abc train with Clikma?

It has more than 3,900 current employees on the platform as of October 17, 2026, and more than 4,600 people have completed at least one module on it.

How were these figures counted?

With read-only queries to Clikma's production databases on October 17, 2026, using the same definitions as the Command Center. The figures are rounded down and include no personal data.

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Retail with its own credit

In short

Learning challenges in retail with its own credit

Store credit with clear information

Anti-money laundering, every year and on record

Debt collection that respects debtors' rights

Advised sales of durable goods and the legal warranty

Two cultures after the merger, high-turnover teams

Mandatory prevention course, with evidence

What are the main training challenges in retail with its own credit in Chile?

Sources

Store teams and financial product teams

Training across the whole network, with certificates and follow-up

What it uses today, according to the data

Own e-learning

Tests

Certificates

Training history

Synced employee records

Reporting lines in records

Command Center