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GMAC Capital Trust I Pref (ALLY_pa) SWOT Analysis / TOWS Matrix / MBA Resources

Introduction to SWOT Analysis

SWOT Analysis / TOWS Matrix for GMAC Capital Trust I Pref (United States)


Based on various researches at Oak Spring University , GMAC Capital Trust I Pref is operating in a macro-environment that has been destablized by – central banks are concerned over increasing inflation, banking and financial system is disrupted by Bitcoin and other crypto currencies, increasing energy prices, wage bills are increasing, digital marketing is dominated by two big players Facebook and Google, challanges to central banks by blockchain based private currencies, there is increasing trade war between United States & China, increasing government debt because of Covid-19 spendings, technology disruption, etc



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Introduction to SWOT Analysis of GMAC Capital Trust I Pref


SWOT stands for an organization’s Strengths, Weaknesses, Opportunities and Threats . At Oak Spring University, we believe that GMAC Capital Trust I Pref can use SWOT analysis as a strategic management tool to assess the current internal strengths and weaknesses of the GMAC Capital Trust I Pref, and to figure out the opportunities and threats in the macro environment – technological, environmental, political, economic, social, demographic, etc in which GMAC Capital Trust I Pref 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 GMAC Capital Trust I Pref can be done for the following purposes –
1. Strategic planning of GMAC Capital Trust I Pref
2. Improving business portfolio management of GMAC Capital Trust I Pref
3. Assessing feasibility of the new initiative in United States
4. Making a sector specific business decision
5. Set goals for the organization
6. Organizational restructuring of GMAC Capital Trust I Pref




Strengths of GMAC Capital Trust I Pref | Internal Strategic Factors
What are Strengths in SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis

The strengths of GMAC Capital Trust I Pref are -

Superior customer experience

– The customer experience strategy of GMAC Capital Trust I Pref in industry is based on four key concepts – personalization, simplification of complex needs, prompt response, and continuous engagement.

Sustainable margins compare to other players in industry

– GMAC Capital Trust I Pref has clearly differentiated products in the market place. This has enabled GMAC Capital Trust I Pref to fetch slight price premium compare to the competitors in the industry. The sustainable margins have also helped GMAC Capital Trust I Pref to invest into research and development (R&D) and innovation.

Innovation driven organization

– GMAC Capital Trust I Pref is one of the most innovative firm in sector.

High switching costs

– The high switching costs that GMAC Capital Trust I Pref has built up over years in its products and services combo offer has resulted in high retention of customers, lower marketing costs, and greater ability of the firm to focus on its customers.

Learning organization

- GMAC Capital Trust I Pref is a learning organization. It has inculcated three key characters of learning organization in its processes and operations – exploration, creativity, and expansiveness. The work place at GMAC Capital Trust I Pref is open place that encourages instructiveness, ideation, open minded discussions, and creativity. Employees and leaders at GMAC Capital Trust I Pref emphasize – knowledge, initiative, and innovation.

Organizational Resilience of GMAC Capital Trust I Pref

– The covid-19 pandemic has put organizational resilience at the centre of everthing GMAC Capital Trust I Pref does. Organizational resilience comprises - Financial Resilience, Operational Resilience, Technological Resilience, Organizational Resilience, Business Model Resilience, and Reputation Resilience.

Cross disciplinary teams

– Horizontal connected teams at the GMAC Capital Trust I Pref 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.

Analytics focus

– GMAC Capital Trust I Pref 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 industry. The technology infrastructure of United States 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.

Ability to recruit top talent

– GMAC Capital Trust I Pref is one of the leading players in the industry in United States. It is in a position to attract the best talent available in United States. The firm has a robust talent identification program that helps in identifying the brightest.

Low bargaining power of suppliers

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

Training and development

– GMAC Capital Trust I Pref has one of the best training and development program in industry. The effectiveness of the training programs can be measured in – employees retention, in-house promotion, loyalty, new venture initiation, lack of conflict, and high level of both employees and customer engagement.

Operational resilience

– The operational resilience strategy of GMAC Capital Trust I Pref comprises – understanding the underlying the factors in the 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.






Weaknesses of GMAC Capital Trust I Pref | Internal Strategic Factors
What are Weaknesses in SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis

The weaknesses of GMAC Capital Trust I Pref are -

Slow to strategic competitive environment developments

– As GMAC Capital Trust I Pref is one of the leading players in the industry, it takes time to assess the upcoming competitions. This has led to missing out on atleast 2-3 big opportunities in the industry in last five years.

Products dominated business model

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

High operating costs

– Compare to the competitors, GMAC Capital Trust I Pref has high operating costs in the industry. This can be harder to sustain given the new emerging competition from nimble players who are using technology to attract GMAC Capital Trust I Pref lucrative customers.

Compensation and incentives

– The revenue per employee of GMAC Capital Trust I Pref is just above the 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.

Interest costs

– Compare to the competition, GMAC Capital Trust I Pref has borrowed money from the capital market at higher rates. It needs to restructure the interest payment and costs so that it can compete better and improve profitability.

Slow decision making process

– As mentioned earlier in the report, GMAC Capital Trust I Pref has a very deliberative decision making approach. This approach has resulted in prudent decisions, but it has also resulted in missing opportunities in the industry over the last five years. GMAC Capital Trust I Pref 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.

Employees’ less understanding of GMAC Capital Trust I Pref strategy

– From the outside it seems that the employees of GMAC Capital Trust I Pref don’t have comprehensive understanding of the firm’s strategy. This is reflected in number of promotional campaigns over the last few years that had mixed messaging and competing priorities. Some of the strategic activities and services promoted in the promotional campaigns were not consistent with the organization’s strategy.

Lack of clear differentiation of GMAC Capital Trust I Pref products

– To increase the profitability and margins on the products, GMAC Capital Trust I Pref needs to provide more differentiated products than what it is currently offering in the marketplace.

High cash cycle compare to competitors

GMAC Capital Trust I Pref has a high cash cycle compare to other players in the industry. It needs to shorten the cash cycle by 12% to be more competitive in the marketplace, reduce inventory costs, and be more profitable.

No frontier risks strategy

– From the 10K / annual statement of GMAC Capital Trust I Pref, it seems that company is thinking out the frontier risks that can impact 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.

High bargaining power of channel partners in industry

– because of the regulatory requirements in United States, GMAC Capital Trust I Pref is facing high bargaining power of the channel partners. So far it has not able to streamline the operations to reduce the bargaining power of the value chain partners in the industry.




GMAC Capital Trust I Pref Opportunities | External Strategic Factors
What are Opportunities in the SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis


The opportunities of GMAC Capital Trust I Pref are -

Reforming the budgeting process

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

Remote work and new talent hiring opportunities

– The widespread usage of remote working technologies during Covid-19 has opened opportunities for GMAC Capital Trust I Pref 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 GMAC Capital Trust I Pref to hire the very best people irrespective of their geographical location.

Buying journey improvements

– GMAC Capital Trust I Pref can improve the customer journey of consumers in the industry by using analytics and artificial intelligence. It can provide automated chats to help consumers solve their own problems, provide online suggestions to get maximum out of the products and services, and help consumers to build a community where they can interact with each other to develop new features and uses.

Loyalty marketing

– GMAC Capital Trust I Pref has focused on building a highly responsive customer relationship management platform. This platform is built on in-house data and driven by analytics and artificial intelligence. The customer analytics can help the organization to fine tune its loyalty marketing efforts, increase the wallet share of the organization, reduce wastage on mainstream advertising spending, build better pricing strategies using personalization, etc.

Using analytics as competitive advantage

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

Redefining models of collaboration and team work

– As explained in the weaknesses section, GMAC Capital Trust I Pref is facing challenges because of the dominance of functional experts in the organization. GMAC Capital Trust I Pref can utilize new technology in the field of industry to build more coordinated teams and streamline operations and communications using tools such as CAD, Zoom, etc.

Harnessing reconfiguration of the global supply chains

– As the trade war between US and China heats up in the coming years, GMAC Capital Trust I Pref can build a diversified supply chain model across various countries in - South East Asia, India, and other parts of the world. This reconfiguration of global supply chain can help GMAC Capital Trust I Pref to buy more products closer to the markets, and it can leverage its size and influence to get better deal from the local markets.

Learning at scale

– Online learning technologies has now opened space for GMAC Capital Trust I Pref 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.

Manufacturing automation

– GMAC Capital Trust I Pref can use the latest technology developments to improve its manufacturing and designing process in 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.

Increase in government spending

– As the United States and other governments are increasing social spending and infrastructure spending to build economies post Covid-19, GMAC Capital Trust I Pref can use these opportunities to build new business models that can help the communities that GMAC Capital Trust I Pref operates in. Secondly it can use opportunities from government spending in sector.

Creating value in data economy

– The success of analytics program of GMAC Capital Trust I Pref has opened avenues for new revenue streams for the organization in industry. This can help GMAC Capital Trust I Pref to build a more holistic ecosystem for GMAC Capital Trust I Pref products in the industry by providing – data insight services, data privacy related products, data based consulting services, etc.

Building a culture of innovation

– managers at GMAC Capital Trust I Pref 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 industry.

Better consumer reach

– The expansion of the 5G network will help GMAC Capital Trust I Pref to increase its market reach. GMAC Capital Trust I Pref 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.




Threats GMAC Capital Trust I Pref External Strategic Factors
What are Threats in the SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis


The threats of GMAC Capital Trust I Pref 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.

High level of anxiety and lack of motivation

– the Great Resignation in United States is the sign of broader dissatisfaction among the workforce in United States. GMAC Capital Trust I Pref needs to understand the core reasons impacting the industry. This will help it in building a better workplace.

Learning curve for new practices

– As the technology based on artificial intelligence and machine learning platform is getting complex, GMAC Capital Trust I Pref may face longer learning curve for training and development of existing employees. This can open space for more nimble competitors in the field of sector.

Increasing wage structure of GMAC Capital Trust I Pref

– 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 GMAC Capital Trust I Pref.

New competition

– After the dotcom bust of 2001, financial crisis of 2008-09, the business formation in US economy had declined. But in 2020 alone, there are more than 1.5 million new business applications in United States. This can lead to greater competition for GMAC Capital Trust I Pref in the sector and impact the bottomline of the organization.

Technology acceleration in Forth Industrial Revolution

– GMAC Capital Trust I Pref has witnessed rapid integration of technology during Covid-19 in the industry. As one of the leading players in the industry, GMAC Capital Trust I Pref needs to keep up with the evolution of technology in the 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.

Regulatory challenges

– GMAC Capital Trust I Pref needs to prepare for regulatory challenges as consumer protection groups and other pressure groups are vigorously advocating for more regulations on big business - to reduce inequality, to create a level playing field, to product data privacy and consumer privacy, to reduce the influence of big money on democratic institutions, etc. This can lead to significant changes in the industry regulations.

Environmental challenges

– GMAC Capital Trust I Pref 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. GMAC Capital Trust I Pref can take advantage of this fund but it will also bring new competitors in the industry.

Barriers of entry lowering

– As technology is more democratized, the barriers to entry to industry are lowering. It can presents GMAC Capital Trust I Pref with greater competitive threats in the near to medium future. Secondly it will also put downward pressure on pricing throughout the sector.

Easy access to finance

– Easy access to finance in industry will also reduce the barriers to entry in the industry, thus putting downward pressure on the prices because of increasing competition. GMAC Capital Trust I Pref 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

– GMAC Capital Trust I Pref 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.

Shortening product life cycle

– it is one of the major threat that GMAC Capital Trust I Pref is facing in sector. It can lead to higher research and development costs, higher marketing expenses, lower customer loyalty, etc.

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. GMAC Capital Trust I Pref 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.




Weighted SWOT Analysis of GMAC Capital Trust I Pref Template, Example


Not all factors mentioned under the Strengths, Weakness, Opportunities, and Threats quadrants in the SWOT Analysis are equal. Managers at GMAC Capital Trust I Pref 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 GMAC Capital Trust I Pref 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 GMAC Capital Trust I Pref 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 GMAC Capital Trust I Pref 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 GMAC Capital Trust I Pref needs to make to build a sustainable competitive advantage.



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