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Cattolica Assicurazioni (CASS) SWOT Analysis / TOWS Matrix / MBA Resources

Introduction to SWOT Analysis

SWOT Analysis / TOWS Matrix for Cattolica Assicurazioni (Italy)


Based on various researches at Oak Spring University , Cattolica Assicurazioni is operating in a macro-environment that has been destablized by – banking and financial system is disrupted by Bitcoin and other crypto currencies, wage bills are increasing, geopolitical disruptions, challanges to central banks by blockchain based private currencies, central banks are concerned over increasing inflation, supply chains are disrupted by pandemic , increasing government debt because of Covid-19 spendings, increasing energy prices, digital marketing is dominated by two big players Facebook and Google, etc



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Introduction to SWOT Analysis of Cattolica Assicurazioni


SWOT stands for an organization’s Strengths, Weaknesses, Opportunities and Threats . At Oak Spring University, we believe that Cattolica Assicurazioni can use SWOT analysis as a strategic management tool to assess the current internal strengths and weaknesses of the Cattolica Assicurazioni, and to figure out the opportunities and threats in the macro environment – technological, environmental, political, economic, social, demographic, etc in which Cattolica Assicurazioni operates in.

According to Harvard Business Review, 75% of the managers use SWOT analysis for various purposes such as – evaluating current scenario, strategic planning, new venture feasibility, personal growth goals, new market entry, Go To market strategies, portfolio management and strategic trade-off assessment, organizational restructuring, etc.




SWOT Objectives / Importance of SWOT Analysis and SWOT Matrix


SWOT analysis of Cattolica Assicurazioni can be done for the following purposes –
1. Strategic planning of Cattolica Assicurazioni
2. Improving business portfolio management of Cattolica Assicurazioni
3. Assessing feasibility of the new initiative in Italy
4. Making a Insurance (Life) sector specific business decision
5. Set goals for the organization
6. Organizational restructuring of Cattolica Assicurazioni




Strengths of Cattolica Assicurazioni | Internal Strategic Factors
What are Strengths in SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis

The strengths of Cattolica Assicurazioni are -

Digital Transformation in Insurance (Life) industry

- digital transformation varies from industry to industry. For Cattolica Assicurazioni digital transformation journey comprises differing goals based on market maturity, customer technology acceptance, and organizational culture. Cattolica Assicurazioni has successfully integrated the four key components of digital transformation – digital integration in processes, digital integration in marketing and customer relationship management, digital integration into the value chain, and using technology to explore new products and market opportunities.

Ability to recruit top talent

– Cattolica Assicurazioni is one of the leading players in the Insurance (Life) industry in Italy. It is in a position to attract the best talent available in Italy. The firm has a robust talent identification program that helps in identifying the brightest.

Ability to lead change in Insurance (Life)

– Cattolica Assicurazioni is one of the leading players in the Insurance (Life) industry in Italy. Over the years it has not only transformed the business landscape in the Insurance (Life) industry in Italy but also across the existing markets. The ability to lead change has enabled Cattolica Assicurazioni in – penetrating new markets, reaching out to new customers, and providing different value propositions to different customers in the international markets.

Analytics focus

– Cattolica Assicurazioni is putting a lot of focus on utilizing the power of analytics in business decision making. This has put it among the leading players in the Insurance (Life) industry. The technology infrastructure of Italy is also helping it to harness the power of analytics for – marketing optimization, demand forecasting, customer relationship management, inventory management, information sharing across the value chain etc.

High brand equity

– Cattolica Assicurazioni has strong brand awareness and brand recognition among both - the exiting customers and potential new customers. Strong brand equity has enabled Cattolica Assicurazioni to keep acquiring new customers and building profitable relationship with both the new and loyal customers.

Highly skilled collaborators

– Cattolica Assicurazioni has highly efficient outsourcing and offshoring strategy. It has resulted in greater operational flexibility and bringing down the costs in highly price sensitive Insurance (Life) industry. Secondly the value chain collaborators of Cattolica Assicurazioni have helped the firm to develop new products and bring them quickly to the marketplace.

Operational resilience

– The operational resilience strategy of Cattolica Assicurazioni comprises – understanding the underlying the factors in the Insurance (Life) industry, building diversified operations across different geographies so that disruption in one part of the world doesn’t impact the overall performance of the firm, and integrating the various business operations and processes through its digital transformation drive.

Cross disciplinary teams

– Horizontal connected teams at the Cattolica Assicurazioni are driving operational speed, building greater agility, and keeping the organization nimble to compete with new competitors. It helps are organization to ideate new ideas, and execute them swiftly in the marketplace.

Innovation driven organization

– Cattolica Assicurazioni is one of the most innovative firm in Insurance (Life) sector.

Low bargaining power of suppliers

– Suppliers of Cattolica Assicurazioni in the Financial sector have low bargaining power. Cattolica Assicurazioni has further diversified its suppliers portfolio by building a robust supply chain across various countries. This helps Cattolica Assicurazioni to manage not only supply disruptions but also source products at highly competitive prices.

Effective Research and Development (R&D)

– Cattolica Assicurazioni has innovation driven culture where significant part of the revenues are spent on the research and development activities. This has resulted in – Cattolica Assicurazioni staying ahead in the Insurance (Life) industry in terms of – new product launches, superior customer experience, highly competitive pricing strategies, and great returns to the shareholders.

Diverse revenue streams

– Cattolica Assicurazioni is present in almost all the verticals within the Insurance (Life) industry. This has provided Cattolica Assicurazioni a diverse revenue stream that has helped it to survive disruptions such as global pandemic in Covid-19, financial disruption of 2008, and supply chain disruption of 2021.






Weaknesses of Cattolica Assicurazioni | Internal Strategic Factors
What are Weaknesses in SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis

The weaknesses of Cattolica Assicurazioni are -

Increasing silos among functional specialists

– The organizational structure of Cattolica Assicurazioni is dominated by functional specialists. It is not different from other players in the Insurance (Life) industry, but Cattolica Assicurazioni needs to de-silo the office environment to harness the true potential of its workforce. Secondly the de-silo will also help Cattolica Assicurazioni to focus more on services in the Insurance (Life) industry rather than just following the product oriented approach.

Slow decision making process

– As mentioned earlier in the report, Cattolica Assicurazioni has a very deliberative decision making approach. This approach has resulted in prudent decisions, but it has also resulted in missing opportunities in the Insurance (Life) industry over the last five years. Cattolica Assicurazioni even though has strong showing on digital transformation primary two stages, it has struggled to capitalize the power of digital transformation in marketing efforts and new venture efforts.

High operating costs

– Compare to the competitors, Cattolica Assicurazioni has high operating costs in the Insurance (Life) industry. This can be harder to sustain given the new emerging competition from nimble players who are using technology to attract Cattolica Assicurazioni lucrative customers.

Lack of clear differentiation of Cattolica Assicurazioni products

– To increase the profitability and margins on the products, Cattolica Assicurazioni needs to provide more differentiated products than what it is currently offering in the marketplace.

Workers concerns about automation

– As automation is fast increasing in the Insurance (Life) industry, Cattolica Assicurazioni needs to come up with a strategy to reduce the workers concern regarding automation. Without a clear strategy, it could lead to disruption and uncertainty within the organization.

Compensation and incentives

– The revenue per employee of Cattolica Assicurazioni is just above the Insurance (Life) industry average. It needs to redesign the compensation structure and incentives to increase the revenue per employees. Some of the steps that it can take are – hiring more specialists on project basis, etc.

High cash cycle compare to competitors

Cattolica Assicurazioni has a high cash cycle compare to other players in the Insurance (Life) industry. It needs to shorten the cash cycle by 12% to be more competitive in the marketplace, reduce inventory costs, and be more profitable.

Need for greater diversity

– Cattolica Assicurazioni has taken concrete steps on diversity, equity, and inclusion. But the efforts so far has resulted in limited success. It needs to expand the recruitment and selection process to hire more people from the minorities and underprivileged background.

Slow to harness new channels of communication

– Even though competitors are using new communication channels such as Instagram, Tiktok, and Snap, Cattolica Assicurazioni is slow explore the new channels of communication. These new channels of communication can help Cattolica Assicurazioni to provide better information regarding Insurance (Life) products and services. It can also build an online community to further reach out to potential customers.

Products dominated business model

– Even though Cattolica Assicurazioni has some of the most successful models in the Insurance (Life) industry, this business model has made each new product launch extremely critical for continuous financial growth of the organization. Cattolica Assicurazioni should strive to include more intangible value offerings along with its core products and services.

No frontier risks strategy

– From the 10K / annual statement of Cattolica Assicurazioni, it seems that company is thinking out the frontier risks that can impact Insurance (Life) industry. But it has very little resources allocation to manage the risks emerging from events such as natural disasters, climate change, melting of permafrost, tacking the rise of artificial intelligence, opportunities and threats emerging from commercialization of space etc.




Cattolica Assicurazioni Opportunities | External Strategic Factors
What are Opportunities in the SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis


The opportunities of Cattolica Assicurazioni are -

Using analytics as competitive advantage

– Cattolica Assicurazioni has spent a significant amount of money and effort to integrate analytics and machine learning into its operations in Insurance (Life) sector. This continuous investment in analytics has enabled Cattolica Assicurazioni to build a competitive advantage using analytics. The analytics driven competitive advantage can help Cattolica Assicurazioni to build faster Go To Market strategies, better consumer insights, developing relevant product features, and building a highly efficient supply chain.

Developing new processes and practices

– Cattolica Assicurazioni can develop new processes and procedures in Insurance (Life) industry using technology such as automation using artificial intelligence, real time transportation and products tracking, 3D modeling for concept development and new products pilot testing etc.

Learning at scale

– Online learning technologies has now opened space for Cattolica Assicurazioni to conduct training and development for its employees across the world. This will result in not only reducing the cost of training but also help employees in different part of the world to integrate with the headquarter work culture, ethos, and standards.

Remote work and new talent hiring opportunities

– The widespread usage of remote working technologies during Covid-19 has opened opportunities for Cattolica Assicurazioni to expand its talent hiring zone. According to McKinsey Global Institute, 20% of the high end workforce in fields such as finance, information technology, can continously work from remote local post Covid-19. This presents a really great opportunity for Cattolica Assicurazioni to hire the very best people irrespective of their geographical location.

Building a culture of innovation

– managers at Cattolica Assicurazioni can make experimentation a productive activity and build a culture of innovation using approaches such as – mining transaction data, A/B testing of websites and selling platforms, engaging potential customers over various needs, and building on small ideas in the Insurance (Life) industry.

Better consumer reach

– The expansion of the 5G network will help Cattolica Assicurazioni to increase its market reach. Cattolica Assicurazioni will be able to reach out to new customers. Secondly 5G will also provide technology framework to build new tools and products that can help more immersive consumer experience and faster consumer journey.

Use of Bitcoin and other crypto currencies for transactions in Insurance (Life) industry

– The popularity of Bitcoin and other crypto currencies as asset class and medium of transaction has opened new opportunities for Cattolica Assicurazioni in the Insurance (Life) industry. Now Cattolica Assicurazioni can target international markets with far fewer capital restrictions requirements than the existing system.

Lowering marketing communication costs

– 5G expansion will open new opportunities for Cattolica Assicurazioni in the field of marketing communication. It will bring down the cost of doing business, provide technology platform to build new products in the Insurance (Life) industry, and it will provide faster access to the consumers.

Reforming the budgeting process

- By establishing new metrics that will be used to evaluate both existing and potential projects Cattolica Assicurazioni can not only reduce the costs of the project but also help it in integrating the projects with other processes within the organization.

Manufacturing automation

– Cattolica Assicurazioni can use the latest technology developments to improve its manufacturing and designing process in Insurance (Life) sector. It can use CAD and 3D printing to build a quick prototype and pilot testing products. It can leverage automation using machine learning and artificial intelligence to do faster production at lowers costs, and it can leverage the growth in satellite and tracking technologies to improve inventory management, transportation, and shipping.

Redefining models of collaboration and team work

– As explained in the weaknesses section, Cattolica Assicurazioni is facing challenges because of the dominance of functional experts in the organization. Cattolica Assicurazioni can utilize new technology in the field of Insurance (Life) industry to build more coordinated teams and streamline operations and communications using tools such as CAD, Zoom, etc.

Low interest rates

– Even though inflation is raising its head in most developed economies, Cattolica Assicurazioni can still utilize the low interest rates to borrow money for capital investment. Secondly it can also use the increase of government spending in infrastructure projects to get new business.

Creating value in data economy

– The success of analytics program of Cattolica Assicurazioni has opened avenues for new revenue streams for the organization in Insurance (Life) industry. This can help Cattolica Assicurazioni to build a more holistic ecosystem for Cattolica Assicurazioni products in the Insurance (Life) industry by providing – data insight services, data privacy related products, data based consulting services, etc.




Threats Cattolica Assicurazioni External Strategic Factors
What are Threats in the SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis


The threats of Cattolica Assicurazioni are -

Technology disruption because of hacks, piracy etc

– The colonial pipeline illustrated, how vulnerable modern organization are to international hackers, miscreants, and disruptors. The cyber security interruption, data leaks, etc can seriously jeopardize the future growth of the organization.

Instability in the European markets

– European Union markets are facing three big challenges post Covid – expanded balance sheets, Brexit related business disruption, and aggressive Russia looking to distract the existing security mechanism. Cattolica Assicurazioni will face different problems in different parts of Europe. For example it will face inflationary pressures in UK, France, and Germany, balance sheet expansion and demand challenges in Southern European countries, and geopolitical instability in the Eastern Europe.

Consumer confidence and its impact on Cattolica Assicurazioni demand

– There is a high probability of declining consumer confidence, given – high inflammation rate, rise of gig economy, lower job stability, increasing cost of living, higher interest rates, and aging demography. All the factors contribute to people saving higher rate of their income, resulting in lower consumer demand in Insurance (Life) industry and other sectors.

Barriers of entry lowering

– As technology is more democratized, the barriers to entry to Insurance (Life) industry are lowering. It can presents Cattolica Assicurazioni with greater competitive threats in the near to medium future. Secondly it will also put downward pressure on pricing throughout the Insurance (Life) sector.

Stagnating economy with rate increase

– Cattolica Assicurazioni can face lack of demand in the market place because of Fed actions to reduce inflation. This can lead to sluggish growth in the economy, lower demands, lower investments, higher borrowing costs, and consolidation in the Insurance (Life) industry.

Trade war between China and United States

– The trade war between two of the biggest economies can hugely impact the opportunities for Cattolica Assicurazioni in Insurance (Life) industry. The Insurance (Life) industry is already at various protected from local competition in China, with the rise of trade war the protection levels may go up. This presents a clear threat of current business model in Chinese market.

Technology acceleration in Forth Industrial Revolution

– Cattolica Assicurazioni has witnessed rapid integration of technology during Covid-19 in the Insurance (Life) industry. As one of the leading players in the industry, Cattolica Assicurazioni needs to keep up with the evolution of technology in the Insurance (Life) sector. According to Mckinsey study top managers believe that the adoption of technology in operations, communications is 20-25 times faster than what they planned in the beginning of 2019.

Easy access to finance

– Easy access to finance in Insurance (Life) industry will also reduce the barriers to entry in the industry, thus putting downward pressure on the prices because of increasing competition. Cattolica Assicurazioni can utilize it by borrowing at lower rates and invest it into research and development, capital expenditure to fortify its core competitive advantage.

High dependence on third party suppliers

– Cattolica Assicurazioni high dependence on third party suppliers can disrupt its processes and delivery mechanism. For example -the current troubles of car makers because of chip shortage is because the chip companies started producing chips for electronic companies rather than car manufacturers.

Increasing wage structure of Cattolica Assicurazioni

– Post Covid-19 there is a sharp increase in the wages especially in the jobs that require interaction with people. The increasing wages can put downward pressure on the margins of Cattolica Assicurazioni.

Shortening product life cycle

– it is one of the major threat that Cattolica Assicurazioni is facing in Insurance (Life) sector. It can lead to higher research and development costs, higher marketing expenses, lower customer loyalty, etc.

Aging population

– As the populations of most advanced economies are aging, it will lead to high social security costs, higher savings among population, and lower demand for goods and services in the economy. The household savings in US, France, UK, Germany, and Japan are growing faster than predicted because of uncertainty caused by pandemic.

Environmental challenges

– Cattolica Assicurazioni needs to have a robust strategy against the disruptions arising from climate change and energy requirements. EU has identified it as key priority area and spending 30% of its 880 billion Euros European post Covid-19 recovery funds on green technology. Cattolica Assicurazioni can take advantage of this fund but it will also bring new competitors in the Insurance (Life) industry.




Weighted SWOT Analysis of Cattolica Assicurazioni Template, Example


Not all factors mentioned under the Strengths, Weakness, Opportunities, and Threats quadrants in the SWOT Analysis are equal. Managers at Cattolica Assicurazioni needs to zero down on the relative importance of each factor mentioned in the Strengths, Weakness, Opportunities, and Threats quadrants. We can provide the relative importance to each factor by assigning relative weights. Weighted SWOT analysis process is a three stage process –

First stage for doing weighted SWOT analysis of Cattolica Assicurazioni is to rank the strengths and weaknesses of the organization. This will help you to assess the most important strengths and weaknesses of the firm and which one of the strengths and weaknesses mentioned in the initial lists are marginal and can be left out.

Second stage for conducting weighted SWOT analysis of Cattolica Assicurazioni is to give probabilities to the external strategic factors thus better understanding the opportunities and threats arising out of macro environment changes and developments.

Third stage of constructing weighted SWOT analysis of Cattolica Assicurazioni to provide strategic recommendations includes – joining likelihood of external strategic factors such as opportunities and threats to the internal strategic factors – strengths and weaknesses. You should start with external factors as they will provide the direction of the overall industry. Secondly by joining probabilities with internal strategic factors can help the company not only strategic fit but also the most probably strategic trade-off that Cattolica Assicurazioni needs to make to build a sustainable competitive advantage.



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