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Covid Insurance - Luxury or Necessity?

An integral part of the trip, such as a passport, wallet and handbag, has already bevome the sanitizer and a mask. They will soon be joined by the COVID-19 insurance policy.

This is a new opportunity for insurance companies to create new customer-focused offerings as more and more countries demand mandatory reimbursement of health costs in the event that visitors become infected with the coronavirus.

Most important, however, is knowing how well the traveler is protected from being infected in a foreign country and whether there is a guarantee that he or she will receive proper attention.

ACT, a research and consulting company, inquired about the global epidemic situation, whether Tbilisians are planning a trip and how much they know about the travel insurance conditions in relation to Covid.

The ACT survey found that the majority of respondents (79%) have information that the cost of medical treatment for infection with covid19 is not covered by the usual travel insurance and epidemiological risk is in standard exceptions.

Taking into account the current situation, Georgian insurance companies have developed insurance packages, which specifically removed the pandemic caused by the Covid-19 virus from the exceptions and offered consumers to reimburse the costs incurred in case of accidental infection with the virus. The assumption of this exception, of course, also affected the cost of insurance due to the high risk, and the cost of one day of insurance increased by an average of 5 times.

"Covid-19 insurance has become mandatory for those entering European countries and the United States, there is a demand, and we, one of the first, offered a travel insurance package to Georgian consumers and partner travel companies, where Covid risk is included in a certain limit that meets international standards." - Tinatin Stambolishvili says, a member of the Vienna Insurance Group and director of communications for the insurance company GPI.

According to Irina Gorashvili, Director of Alternative Channels Development at Imedi L Insurance Company, they also responded quickly to the request and developed a travel insurance package to cover the risks of Covid. However, it is thought that this product is short-lived and soon, with the development of the vaccination process and the cure, the risk of covid19 will decrease and special insurance will no longer be necessary.

Abroad, with rare exceptions, as well as in Georgia, costs related to cash insurance are reimbursed by the state only for citizens and / or persons with permanent residence.

Tourist Covid-experience

Our first protagonist is a graduate of Business School Salome, she as a responsible citizen, has already been vaccinated twice in the summer. To celebrate graduation, before starting a new phase of life - the first job, the parents handed over a specially designed amount to celebrate this joyful event, and a special surprise - a tourist trip to America, in July 2021. Personally, he had no information about Covid insurance, it seems that no one asked for it and he did not have a problem entering the country at the destination. However, unfortunately, she became infected by Covid during her stay there. Thanks to the vaccination, she got sick with the virus easily and today feels completely healthy, although his travel plans have been turned upside down.

Salome had to stay in isolation for 10 days, where she was required to take a quick test once every 3 days ($ 40 per test), as well as a mandatory PCR test that cost $ 250 on the spot, at her own expense.

It is well known, that while Covid is positively, it's prohibited to travel, than Salome had to extend her travel period, what meant the additional hotel expenses. Also, she had to re-purchase the return ticket as it was impossible to exchange the purchased ticket. In total, the expenses of Salome due to Covid was close to $ 5,000.

The second story is about Sopho, who was also infected in America, found out that he had information from local acquaintances that in case of infection, by calling a special hotline number, the US government would finance the costs related to Covid, and therefore the unpleasant moment during his trip was relatively alleviated. Sopho's fairly comfortable transportation to and from the Covid Hotel, three meals a day during the isolation period, doctor and nurse services, rapid, PCR tests, and other treatment costs were reimbursed by the U.S. government itself. However, America, in this particular case of New York State, is a rare exception that bears the costs of treating and managing a tourist infected with Covid19 on the spot. The main part of other countries of the world imposes the mentioned expenses on the tourist himself.

World, Covid and Travel

For the second year in a row, the Covid infection has been raging in the world, and states are fighting it more or less successfully, although the fact is that we are still far from winning over the new virus.

The field of international tourism is one that has suffered the most from the Covid pandemic and is still the most difficult to rehabilitate.

According to the website of the World Tourism Organization (UNWTO), according to official data, in January-March 2021, compared to 2020, international tourist traffic decreased by 83% due to high travel restrictions and the caution of tourists to protect themselves from infection.

According to a recent survey by a panel of experts organized by the UNWTO, with the intensification of the vaccination process, industry confidence has slowly increased in the May-August 2021 period. Particularly noteworthy is the EU Digital Green Certificate, which provides a common electronic database on coronavirus vaccination and immunity, which aims to promote free and safe travel to the EU during a pandemic. The certificate will operate successfully in 27 EU member states and 16 non-member countries, including Ukraine, Israel, Turkey, etc.

At this stage, Georgia is still in the red zone, which is a specific obstacle for visitors, however, for Georgian tourists who want to travel and are fully vaccinated, a Covid card is issued, on the basis of which the so-called travel abroad is made - "Apostille", which confirms the authenticity and validity of the document. For this, it is necessary for the interested person to apply to the House of Justice with a relevant request.

However, it should also be noted that due to the current pandemic and the rise of new strains, uncertainty is still high, travel restrictions still exist and this is facilitated by the uneven pace of vaccination in different countries.

According to the ACT survey, given the current situation, every fifth Tbilisian still plans to travel abroad, although the share of those wishing to travel abroad decreases with age. This trend is explained by the fact that relatively old people are a risk group for Covid-19 and therefore refrain from traveling, while young people who traveled more actively before the pandemic are now planning to become tourists despite the high risk.

When traveling, to enjoy the news and adventures, health and financial security are paramount. That is why coveted insurance is no longer a luxury and it is a necessary item for travel and a guarantee of peace of mind.

Author: Ana Ivanishvili

Leadership in Marketing and Communications, ACT


About the transformed higher learning process

Adapting to covid-reality has become a necessity of the present. People have to learn to live with it, and countries have to determine the consequences of a pandemic and work actively on it. The sphere of education did not lag behind this covid chaos. This sphere received a rather strong blow. First the learning process was stopped everywhere and then, all over the world had to continue the learning path in a new format.

The World Bank released a special report in 2020 on the impact of COVID-19 on higher education. As a result of the situational analysis of Europe and Asia, the report identified several important problems that affected the higher education institutions of these two continents as a result of the pandemic. It has been found that the problem of internet delivery is equally troubling to people on different continents - low speeds fail to provide a dynamic online learning process, and better quality service is an expensive pleasure for many of them. In addition, access to personal computers was a problem. Added to all this was the fact that the higher education institutions themselves did not have the necessary infrastructure for online teaching, which would have been targeted at a large number of users, nor were members of the academic team ready to fully digitize the lectures. In addition, the World Bank report also states that distance learning is not always effective, especially during activities such as discussions, interactive group work, and more. That is, everything that helps the student to develop the necessary skills. The report also noted that the focus on cognitive skills was often at the expense of socio-emotional skills, which is also a significant challenge.


According to international studies, the pandemic has affected the lives of more than 200 million people worldwide, including more than 157,000 Georgian students. Along with the main actors in the field of higher education - students, members of the academic and administrative teams of universities also found themselves in this whirlpool of uncertainty. Following in the footsteps of the transformed learning process, at ACT we decided to find out how ordinary Tbilisians value online learning and what they consider to be the biggest problem. As the results of the survey conducted in June show, in general, taking into account all the factors, the surveyed Tbilisians evaluate negatively online learning [out of a maximum of 10 points, this impact is assessed at 4.1 points]. Assessing the specific impact it has had on our country's higher education, the answer is even more negative [3.3 points out of a maximum of 10 points].

Difficulties of online learning

We asked our respondents what the difficulties were / are related to the transition of universities to online education due to the pandemic. 18% said that not everyone had / does not have access to the Internet; The other 18% cited the lack of the necessary material and technical base for online learning as the main difficulty, which combines the lack of a personal computer, lack of workspace and other technical problems. Among these difficulties, unequal access to the Internet was named as the "most problematic" for 19%.

Chart # 1. Difficulties Faced with Higher Education Institutions Switching to Online Education Due to Pandemic

At the end of last year, we conducted a survey for the United Nations Population Fund to assess the socio-economic impact of COVID-19 on young people, and it is interesting to note that similar views and problems were identified with young people directly related to online learning. Young people living in Tbilisi, Imereti, Kakheti, Kvemo Kartli and Samtskhe-Javakheti participated in the study. Difficulties with online learning were cited as low readiness and technical problems for students and academic staff in online learning: low access to the Internet and lack of the necessary material and technical base for online learning. The latter problem was particularly acute in families with several members having to study and work online.

Another result of our survey is interesting - according to one in ten Tbilisians surveyed, the transition to online education has turned out to be quite negative for a certain group of society, which is associated with asociality and related stress. 11% of respondents named the lack of socialization as a serious problem, which in the future may create mental health problems for both young people and people of different generations. Incidentally, this challenge was also named as one of the topical problems in the above-mentioned survey conducted for the UN Population Fund.

About the positive effects of online learning

It is true that online learning has been and still is associated with many difficulties, however, this method also has its advantages. We asked Tbilisians what they think is the positive effect of online learning. One in ten respondents found it difficult to assess this (12%), and 21% do not think that switching to online learning can have any positive effect at all. However, when talking about the benefits of online learning, the majority of respondents identified two important factors - saving time by 21% and protecting against the spread of the virus in a pandemic, or safety by 20%.

Graph # 2. Positive effects of online learning

As it turns out, online learning directly for young people also has its positive effects - in addition to saving time and financial resources, it allows students to easily combine learning for other jobs. These positive aspects of online learning were revealed by a survey of young people at the end of last year. The same study then also showed that because of the advantages listed, the transition to a hybrid learning model was considered important by young people.

Talking about the positive aspects of online learning, young people mentioned one more thing - the introduction of this new format has increased the opportunity and made it accessible to both Georgian and international online training courses. This is an important and strong argument for those who want to learn and develop.

Teaching format in postpandemic reality

Respondents were also asked what they thought the university teaching format should look like after the pandemic ended. It was found that the majority of Tbilisians surveyed (57%) support the idea of only offline (audit) teaching. However, the hybrid learning format also has enough proponents - 39%.

Graph # 3. What should be the format of university teaching after the end of the pandemic

Despite the difficulties associated with online learning, the idea of hybrid learning is uniquely welcomed by young people. Because the main positive effect - "combining learning with other things" turned out to be quite a weighty argument for them. That is why it is quite natural that young people will be happy to meet the existence of a hybrid learning format in the post-covid reality.

However, despite the positive attitudes of young people towards hybrid education, the transition to such a model of the Georgian university system may be premature. At this stage, the mixed model of teaching in universities is a forced response to the challenge and not a new format of teaching, which was developed to create an effective university education system.

And finally - what will happen tomorrow?

According to the World Health Organization, the pandemic will not only be defeated, but will regain strength by the fall, and there is a high probability that distance learning and work will become an inevitable reality in the near future. That is why, with regard to the future prospects of online learning, the European Commission has developed the Digital Education Action Plan (2021-2027) for the coming years, which outlines the priorities to be focused on outcome-oriented learning. Conducting more digital specialists, as well as creating user-friendly mechanisms and secure platforms that adhere to e-privacy and ethical standards.

Naturally, all these issues will be relevant for Georgia as well, and we can confidently assume that distance learning will become an essential component of higher education. Only time will tell how our country will be able to cope with this challenge and provide quality education for future generations. However, one thing is clear - the need to switch to forced online learning will at least help increase the digital competencies of both students and academics, enhance digital capabilities by universities, improve software, and create quality content for e-learning. It undoubtedly has the advantages that can be used effectively and boldly in the post-pandemic reality of education.

[1] COVID-19 Impact on Tertiary Education in Europe and Central Asia

[2] საქსტატი

[3] Farnell, T., et al., 2021. The impact of COVID-19 on higher education: a review of emerging evidence. Analytical report. European Commission. EU Publications.

[4] Assessing the Socio-economic Impact of COVID-19 on Young People in Georgia

[5] Assessing the Socio-economic Impact of COVID-19 on Young People in Georgia

[6] European Commission Digital Education Action Plan

Author: Keso Esebua

Senior Consultant, Development Consulting


You have probably asked yourself this question many times for yourself and those gathered with friends, you have often talked to yourself - when will we be able to travel? We check the list of co-safe countries on the Internet and read, "Are we on the list of countries with red or orange status now?" On the street we are watching for a small groups of tourists and we surprised of their courage.

Since the COVID-19 pandemic was declared in March 2020, everyday life around the world has changed radically. Among the affected sectors, tourism has been named as one of the most "dangerous" activities, and if we borrow the OECD study, in 2020, even about 80% decline in international tourism worldwide was expected. But tourism is one of the important sources of economic growth in Georgia. If we look at the numbers, we will see that the revenues from this sector increased from 5% to 18% of GDP during 2010-2019, which significantly increased the budget. One is the budget, and the other is the people, who have found a source of income in this sector.

The tourism during Covid 19 like swinging on the waves - a reduction in regulations is often followed by an increase in the number of flights, overcrowded hotels, which seems to revive it. However, each new wave of pandemics detected from time to time makes today's fragile environment even more unreliable and puts the country back in a state of uncertainty. What solution remains when the environment is so volatile and the tourism sector is completely dependent on it?

The general answer to this question might be to adapt, to adapt tourism to the existing reality. However, today, traveling as a tourist does not sound very attractive. The reason for this is the feeling of insecurity, the constantly changing rate of the covid-infected, the risks of closing the borders again in a foreign country, and so on. It is at this time that domestic tourism becomes relatively promising, which avoids certain risks and allows for short-term travel.

Based on the data of the National Statistics Office of Georgia in recent years (2016-2020), it can be said that about half of the residents aged 15 and older travel within the country primarily to visit friends and relatives. It lags far behind the number of travelers for other reasons (shopping, treatment, etc.). And even 10% of our citizens do not travel locally for leisure and entertainment. It is true that this number almost doubles during the summer, but the fact is that travel in own country for leisure and fun remains a very unpopular topic. Anyway, it was like that before the pandemic and it is like that now, even in the first quarter of 2021. As expected, Tbilisi, Imereti and Adjara A / R are among the most actively visited places. By the way, in the conditions of the pandemic, compared to previous years, the number of people wishing to spend their vacation in cottages has almost doubled (up to 16%).

"I remember being proud and enjoying my lifestyle, constant travels and adventures: Berlin, Paris, Dhaka, New Delhi, Kerala ... different countries, cultures and news," said Salome, who traveled abroad quite often before the pandemic. - "Once, a friend came from Bangladesh and called me to meet him for a while. The whole evening, he was talking about Racha, Svaneti and even some lakes in astonishment. He was asking me with round eyes - what? You don't know it?. A few months after the start of the pandemic, I realized that now was the time for me to get to know my country. I have a plan - I have to visit all the national parks of Georgia this year! Reserves, see lakes. I have already been to Tskaltubo, to Kazbegi. In Samtskhe-Javakheti I also saw birds of strange beauty sitting on the lakes and I know, that now I am planning go at Chiatura. "

ACT wondered how ready Tbilisi vacationers like Salome are to travel inside the country or abroad this year? Where are they going to rest and how much did the pandemic affect their decision?

The survey showed that 28% of the population aged 18+ have no plans to leave the capital at all in the summer. 9% of them refused to leave Tbilisi this year because of the pandemic, citing the risks of safe vacations and declining incomes as the main reasons. 12% of respondents have not yet decided whether to rest, which is mainly attributed to the job or lack of finances.

Most of the respondents, at least 60%, consider traveling in the summer, although very few of them plan to spend the summer abroad (6%). The research showed that those who want to leave the city in summer are mostly under 54-year-olds from Tbilisi. Among them, young people under the age of 34 are mainly going to spend the holidays at the sea or in the mountains, while the population aged 35-54 is equally desirable to spend the holidays at the sea and at the family / relative's cottage.

It should come as no surprise that due to the pandemic, more than half of the population is quite confused about summer plans, which is related to the selected vacation spot, duration and, most of all, budget. One-fifth (20%) of the respondents had to change their vacation location, mostly people who had visited both sea and mountain resorts before the pandemic and / or were actively traveling abroad. It was also revealed that due to the complicated economic situation due to the pandemic and the lack of desire to stay in a foreign environment for a long time, a large proportion of travelers prefer short-term travel to long-term vacation.

Although the creation of the vaccine has raised positive expectations in the society, the problem in the tourism sector is still relevant for Georgia and the world. Moreover, the OECD predicts that in 2021 we will have to live in "survival mode" again and return to the usual mode of tourism, will remain a matter of the future. Against this background, the importance of such factors as the availability of vaccines, the increase in the number of vaccinated people, the removal of restrictions in the face of mitigated pandemic waves, etc. is becoming increasingly important. All this is directly related to the activation of tourism processes, which is vital for a country like Georgia. For a country for which tourism is one of the most important ways to deal with unemployment.

* A survey was conducted in June 2021, by random sampling, with 411 adult residents of Tbilisi. Method used - telephone interview. The statistical error of the data does not exceed 4.9%.

Author: Keti Mamadashvili

Analyst, ACT Research


As the Coronavirus pandemic started, economic downfall made society face threat of unemployment and loss of incomes. Drastic decrease of incomes is directly connected to purchasing capacities and considering tendency of growing prices on food products, the picture is not that pleasant. It’s a fact, that this situation hits low income families the most who spend the majority of their incomes on food.

When compared to the previous year, prices on food globally increased by 14% in 2021 (World Bank, Food Price Index 2021), Georgia did not fall behind this negative tendency. In April of the current year, ACT got interested in the impact of increased prices and inquired respondents on the dynamics of costs spent on food and frequency of using different products over the past 6 months.

Growth rates 

In the spring time, social media was overflowed by record growth of oil price and this became a popular topic for discussions or jokes. Even though the price of oil reached its historic maximum price since 2008, unfortunately, oil was not the only main character in this story and the pandemic appeared to be pushing prices up and up on food products. Based on National Statistics Office of Georgia, prices in food category went up by 0.3% in April compared to the previous month which was reflected in 0.1% growth in 7.2% inflation rate. In good categories, prices of fruit and oil, fish and sweets showed the biggest growth rate:  

The majority of 401 respondents we inquired, confirmed drastic increase of prices and declared that they have to spend more and more on food recently. If we look at data in age perspective, the picture is similar for all age groups – the majority of respondents (averagely 75%) in 18-34, 35-54 and 55+ age groups report on noticeable growth of prices in food category over the past 6 months.

According to the study results, the most frequently used products (everyday, several times a week) include bread and bakery, vegetables, fruit, dairy products and sweets for the majority of respondents. Relatively less frequently consumed products are frozen and canned meals, fish and oil, butter, sugar and cheese. If we compare this list to the dynamics of prices provided by GeoStat, we’ll see that most frequently used food products are now more expensive. The products listed below take the majority of space in consumer basket according to frequency of use.

Impact of the shock

To sum up briefly, the pandemic and its negative effects on the economy was not unexpected – breach in food supply chain and delaying processes logically follow similar crisis. The Coronavirus pandemic caused delays in functioning of global food value chains, which affected every phase of food supply. This all originated from the restrictions and regulations set in forth by governments of different countries.

For now, food prices have to cope with the shock caused by the pandemic. Prices increase from month to month, as well as annually. Even though developing, food importer countries are number one target for price growth caused by the pandemic, however, in import-depended Georgia where other external economic factors are actively making impact, including depreciation of the national currency, growth of prices on food products is even more evident and noticeable.

Author: Lika goderdzishvili
Portfolio lead, development consulting


COVID-19 outbreak caused one of the most severe crisis in the history of mankind and entire world still tries to cope with it. As of now, number of infected individuals exceeds 158 million, while number of deaths caused by the virus is more than 3,2 million. The pandemic changed entire world and alongside, severely affected all the existing industries. Its results were reflected in global economic recession, including bankruptcy of small and medium businesses, increase of unemployment rate, crisis in tourism sector, record fall on stock exchange, etc.

Economic recession during the pandemic 

Global economy was severely hit which was caused by regulations set in forth for prevention of the virus outbreak. As soon as the pandemic started, it drastically changed lifestyle, occupation and in general, our everyday life. Soon enough, the majority of countries announced strict lockdown as the most effective tool against the virus and social distancing as the best way to protect each other. These regulations made huge impact on the global economy and left millions of people jobless. According to the 2020 report issued by World Health Organization, 114 million individuals were left without job all over the world this year. In total, 8.8 percent of global working hours were lost throughout the year which is equivalent to 255 million full-time work. The given rate is approximately 4 times higher compared to working hours lost as a result of global financial crisis in 2009. Loss of the resource on labor market was naturally caused by bankruptcy of companies or compulsory slim down of personnel. In 2020, Gross Domestic Product globally decreased by 3.7 trillion USD, which equals 4.4. percent decrease. Process of economic improvement is particularly hindered by regulations related to social distancing which were set in forth due to airborne transmission of the virus.


Immunization as the way of survival 

Work on Covid-19 vaccines started in different labs as early as in 2020 and as for today, vaccination process is actively implemented in the majority of countries. In order to restore social gatherings and return to office space, it is clearly most important to minimize health-related risks. At this point, this can be achieved only with help of herd immunity, which means that more than half of country/world population needs to be resistant to the virus. Only mass vaccination will make it possible to achieve this goal. However, it is a fact that generation of herd immunity requires significant period of time and medical resources. In addition to this, there is lack of citizens’ readiness to get vaccinated which sometimes prolongs the said process even more. All these, added up together results in delayed immunization process and economic recession goes on indefinitely.

Potential effect of mass immunization 

More than 2,02 billion doses of vaccine are used in the world and more than 443 million people are fully vaccinated. More than 11 percent of world population is vaccinated at least once and 5,7 percent of population is fully vaccinated. Even though it takes certain amount of time after mass vaccination to generate herd immunity, but looking at the examples of some of the countries, we can already speak about first results and positive tendencies coming from vaccination.

Israel holds the leading position in population immunization process where more than 63 percent of citizens have at least one dose of vaccine and more than 56 percent of citizens are fully vaccinated. This enabled the country to generate herd immunity and restore activities in public spaces or offices which will definitely make its impact on the economy. Vaccination level is so high in Israel, that it is no longer required to wear a mask outdoors and regulations are significantly lighter. In addition, schools are now open and fully vaccinated people can freely visit restaurants, attend cultural and sports events, concerts in large halls and celebrate religious holidays in mass gathering spaces. As a result of relaxed regulations resulted from vaccination, service field has already started working in the country and companies operating in this sector already make their first steps to cope with financial crisis.

51 percent of population in United States of America got at least one dose of vaccine  and more than 41.5% is fully vaccinated. Part of strict regulations are abolished, including: fully vaccinated people are allowed not to wear a mask indoors and outdoors unless it is required by the law of the specific state. In addition, it is no longer compulsory to do COVID test or stay in self-isolation for domestic or international travels. This helps to revive the tourism and allow companies and their employees operating in this sector to go back to economic activity.

With help of high level of vaccination, these countries manage to open economy, restore everyday activities and enable business sector to work fully – this supports generation of new jobs and is the first step to restoring country’s economy.

From tough challenges to new opportunities 

We all know the world before the pandemic, but we can only assume what it will be like after the pandemic is over. Based on past experiences of overcoming crisis situations, such was big depression in 30ies, global economic crisis after World War II, economic recession after the collapse of Soviet Union or world financial crisis in 2009-2010, together with world leading analysists/experts we can assume that the end of this pandemic will be followed even more changes:

Altered consumer behavior – the pandemic has already drastically altered consumer behavior and this change will become even more distinct in long-term perspective. When coping with instability, people had priorities, requirements and values shifted. Consumers’ expectations towards companies will change, they will want new way of receiving service and purchasing products. Respectively, companies will have to remodel their working methods and presumably, role of e-commerce, remote services and automatization of processes will grow even bigger in future.

Labor market – remote format of work provides new challenges and opportunities for employers and employees. Nowadays, more and more employees have a desire to work remotely or choose hybrid format of work implying shift of remote and office formats. It is presumable, that employers will consider switching their employees to remote format in the post-pandemic era which will enable them to cut costs.

Business sector – many industries face inevitable changes and in order to cope with the pandemic, companies had to beat off rather painful hits. Such change of the environment pushed businesses to revise their strategy. Traditional methods of doing business turned out to be ineffective in many industries, while business companies showed insufficient flexibility and adaptation ability. Companies like that will have to develop renewed business models, remodel their strategies and adjust to new requirements of consumers which need to be appropriate to the post-pandemic era as well.

Digital era – digitalization process of business sector started even before the pandemic, but COVID-19 outbreak drastically accelerated this process. Digital transformation is inevitable in today’s reality and its need will be even more obvious after the pandemic is over. It was digital technologies that made it possible to remotely work, study and in general, communicate in a new way during the pandemic. Intense investment in the sector of digital technologies will continue after the pandemic too and new services or completely new industries will inevitable emerge.

The Coronavirus Pandemic made the mankind face a variety of challenges and opportunities at the same time. Fighting against the virus is a complex process where you can only gain advantage through joined forces. In the process of coping with the pandemic, economic rates may get equal or even exceed pre-COVID results, but considering its tremendous size, the pandemic thoroughly changed external factors and people’s mindset as well. Even though no one knows for sure that the new world will look like, but it is vitally important for all of us to realize that mass vaccination is not a simple solution to the problem and key to improve global/local economic condition. Vaccination just gives us a chance to live with fewer regulations, return to social space and restore economy with our bare hands. To say it in other words – mass vaccination will help us pass the road together from immunization of population to regeneration of economy.

Author: Saba Khergiani 

Junior analyst, management consulting


Public opinion polls conducted in recent years clearly show the positive attitude of the Georgian population towards European and North Atlantic integration. At the same time, for the last two decades, the Georgian authorities have always confirmed the country's aspirations towards European institutions. Moreover, the current government has loudly stated that the country is preparing to apply for EU membership by 2024. There is an expectation that this promise was made in advance coordination with European partners, which increases the expectation of a positive outcome.

One of the most effective tools for rapprochement with the EU is the Eastern European Partnership political initiative, which aims to deepen and strengthen relations between the EU member states and their six eastern neighbors: Armenia, Azerbaijan, Belarus, Georgia, the Republic of Moldova and Ukraine. The Eastern Partnership platform, on the one hand, enables countries to join efforts to move closer to European institutions, on the other hand, is an effective tool for the EU to assess countries' progress and plan appropriate policies.

At the same time, the European institutions are actively monitoring the population of the Partnership member states and their attitudes towards both European integration and these institutions themselves. Since 2016, ACT has been actively cooperating with international organizations and monitoring public opinion in the Eastern Partnership countries. One such study was conducted in the spring of 2021, the results of which allow us to draw interesting conclusions about the attitudes and preferences of the population, as well as the different picture in these six countries.

63% of Georgia's adult population is positive about the EU

According to a survey conducted by ACT in all six Eastern Partnership countries in March 2021, the majority of Georgia's adult population (aged 15 and older) is positive towards the EU and, as it turns out, Positive attitude of Georgian population is the highesе among the six Eastern Partnership countries. Interestingly, the number of neutrals is not small either (35%), while only 1% evaluate this institution negatively.

What is your attitude towards the European Union? (%)

Source: Eastern Partnership Public Opinion Survey, 

Sampling Size - 6000 Respondents, March 2021, ACT


The majority of Georgia's adult population (76%) trust the EU, regardless of whether they like the institution Interestingly, there are even more people who may not like this European institution, although the fact is, they still trust it. In this regard, the level of trust in the European Union is the highest among the population of Georgia.

The results of the public opinion poll in the Eastern Partnership countries have already been heard in Brussels, at the Eastern Partnership and EU headquarters. It is also planned that by 2024, ACT and its international partners will provide Brussels with the results of a survey of the population of all six countries each spring. Ultimately, time will tell the results of the Eastern Partnership countries in fulfilling their commitments to the European institutions.

Confidence in the EU (%)

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Software company Diflex has attracted an investment from the Georgian Healthcare Group (GHG) totaling up to GEL 1 million. Diflex starts developing an international digital product from today, and plans to enter the international market in 2022. Diflex is a subsidiary of ACT, which has transferred the extensive experience of ACT in the field of telephone research into a specific digital product. Using international software and monitoring customer requirements has made it possible to create an online call center service that incorporates the latest technologies and innovative approaches. Diflex offers customers a virtual call center and communication platform. The product is unique in its essence and use, it combines in itself all the priorities provided by separate technologies for different needs. If the company does not have the appropriate infrastructure - offices, servers and does not have operators, but wants to set up a call center or hotline, it can use Diflex services. "We are currently in the process of forming a product development team. At the moment, the product is adjusted to the markets of the two countries and works smoothly, but we have the ambition to master the global market, therefore, it is planned to modify the product in accordance with international regulations and standards, - co-founder and CEO of Diflex Nino Kharshiladze said. Diflex is a product of the future and its specific priorities go beyond the capabilities of the ordinary digital product: It is adaptable to all types of devices Has a flexible system in which people work from anywhere Has an intuitive interface, which simplifies the process of working in it. It has a built-in machine learning module, which helps to quickly status the result. This element of automation saves the operator waiting time and costs in the production process. Given these advantages, the most important thing that Diflex allows is the reduction of costs for companies and the ability to operate with different functions and more flexible approaches. At the same time, Diflex ensures the protection of the privacy of personal databases, because the call center user organizations have the opportunity to leave the existing telephone database on their side and thus receive outsourced services. In order to control the quality, they should monitor and adjust the calls during the process. Attracting investment and the interest of the Georgian medical group in the product with international potential took place after Diflex played a successful and fruitful role in the production process of ACT during the crisis caused by the pandemic. Carrying out telephone surveys while switching to a digital line in the Diflex program has proved to be a vital train for the company, thereby reducing costs and increasing efficiency. An important and credible indicator for the partners was the information that the representatives of QuestionPro and SurveyToGo, the management of the largest software company in the world market with digital products, were interested and expressed their willingness to cooperate. Diflex is going through an active phase of development and is preparing to enter the world arena. ACT's many years of experience in product development and offering, and the potential of the Georgian Healthcare Group to scale, make the creating a project created in collaboration with two companies into the global market a reality. The main concept is based on the Win to Win principle, companies get the opportunity to provide a complete service using Dileplex, and ACT subsidiary "Diflex" - gets new customers around the world.
On November 5, the presentation of the ACT Development Consulting research project "Legal Market Research in Georgia" was held. The project was commissioned by the East-West Management Institute (EWMI). At the presentation, ACT Lead Consultant Keso Esebua presented a qualitative research report, which reflects the requirements of the legal market in Georgia and the extent to which the current level of training of lawyers meets these requirements. As the results of the research show, the main demand in the legal labor market is for novice lawyers with practical and professional skills, critical thinking and various soft skills. However, knowledge of English is less important for the public sector but more important for the private sector. These are the basic requirements that young lawyers find most difficult to meet, however, the main challenge still lies in the transition from theoretical knowledge into practice. Research Report: Legal Market Research in Georgia
The Leadership Scanner is relevant for organizations that are development-oriented, want to discover talents, and look for effective ways to retain it; This product is also designed for companies that are planning or undergoing a transformation or large-scale reorganization, and its managers want to find out who they can rely on for process of changing, identify thought leaders, and find out who has the potential to lead in the future. Event Speakers: Lasha Bokuchava / Lead in Business Analytics, Partner - Introduces Leadership Scanner and talks about its unique capabilities. Tinatin Rukhadze / Vision Lead, ACT Founder - will talk about the role of this tool in managerial decisions and its benefits. Invited guests of the event: Nino Maisuradze - Director of Organizational Development of Adjarabet. Nino Shaduri - Director of Organizational Development of Evex Hospitals. Webinar entry:
On September 8, youth affairs agency hosted a presentation of a study conducted by ACT: "Youth Needs and Challenges at the Municipal and Regional Levels." Flora (Keso) Esebua, Senior Consultant, Development Consulting, presented the final report of the work, which reviewed and analyzed in detail the opinions and assessments of young people surveyed across Georgia on various issues. The study included 2,790 face-to-face interviews in 10 regions of the country, 56 focus discussions and 43 in-depth interviews in 14 target municipalities. The analysis shows that most of the young people in different regions of Georgia are faced with the challenges of employment, civic activities and involvement in the processes. One of the main findings of the research is the motives of the intention of internal and external migration among young people: in case of internal migration, the surveyed young people care about access to better education, and in case of external migration - seek better opportunities of employment The survey also found that young people living in different regions of Georgia believe that their basic rights are protected, although the level of information about these rights is very low. In-depth research on all of these issues and the availability of research results are important because the evidence-based Youth Initiative, with the support of the Friedrich-Ebert-Foundation, plans to develop local and national youth policies and build relevant youth ecosystems. Offer services and opportunities and facilitate the realization of their potential. "Part of our recommendations is to work actively with young people to raise awareness on various issues. "In addition to educating young people about municipal youth programs and services, it is essential to raise awareness of civic activism and involvement, decision-making opportunities for young people, the importance of different rights and healthy lifestyles," ACT Development Consulting (Keso) Esebua said. Final Report of the Survey: Youth Needs and Challenges at Municipal and Regional Levels
Research and consulting company ACT has become a member of the UN Global Compact Georgia network. The network brings together more than 13,500 responsible companies from 160 countries around the world, striving to create a better and more desirable world by encouraging and supporting the achievement of the Sustainable Development Goals (SDGs). On July 18, the Stamba Hotel hosted the annual general meeting of the Georgia Global Compact Network, where members of the ACT Development Advisory Group, senior consultant Natia Rukhadze and analyst Keti Antadze took part in the work of the Georgia General Agreement Network (GCNG). Presented are the results of a study commissioned by this network last year - “The role of the private sector in achieving the Sustainable Development Goals”. The event was initiated by the Global Compact Georgia network. Currently, the Georgian network has 110 members. “The ACT team supports and strengthens private and public organizations to bring about significant economic, social and political change in more than 20 countries around the world, and in this regard, our efforts and aspirations are fully aligned with the Sustainable Development Goals (SDGs). We believe that membership of the Global Compact network is the best platform for networking, sharing and implementing best practices, and expanding globally; We believe that membership in the network will help us implement sustainable approaches in accordance with international standards in our team and share the experience with our partners across the region. ” - says Sopho Chachanidze, head of the consulting company ACT Development. “I believe that membership in the UN Global Compact network is an even more serious and significant responsibility, which is fully consistent with the vision and development vector of our company. I believe that membership of the Network will allow us to be fully informed about the steps and progress made in the implementation of the 2030 Agenda, which, in turn, will allow us to make a valuable contribution to creating a better and more desirable world. I also think that ongoing activities to raise awareness of the Global Development Goals (SDGs) among local companies will significantly help companies to better understand their role in this area, which will further increase their motivation and commitment to create a healthy, sustainable environment that meets international standards as a local level, and throughout the region or country ”, - senior consultant Natia Rukhadze.
Research and consulting company ACT presented itself to society with a renewed concept, brand, and business model. After successfully coping with the world challenge – the pandemic year of 2020, with new energy and ambitions, ACT sets global goals and offers high standard, proactive vision-oriented on the market needs to its clients. With the main slogan – Power of Changes we support our partners in the process of big and much-needed transformation. ACT is a global research and consulting company that supports leaders and organizations of the future and empowers them for significant changes. Our main advantage is a transformation of data, ideas, and competences into valuable outcomes. ACT’s history starts with the early 2000-ies when Georgia was still under important political, social, and economic fluctuations and the market economy still was under-developed. Throughout its 19 years of history, ACT made a significant contribution to the development of the research industry in Georgia, and nowadays, it implements successful projects in 28 countries. A new reality and long-term perspective pushed ACT towards large-scale transformation. We changed the business model, organizational structure, way of thinking, and approach, which logically was followed by the need to make changes in visual rebranding. „For rather a long period of time we were proud that we were a research company and we conducted studies tailored to individual needs, we were proud of our analytical capacities. It’s all in our DNA. However, the time came when the company’s growth rate significantly slowed down and the growth rate varied from 3% to 5% in 2013-2018.  Naturally, we started looking for answers to our questions, we asked ourselves – what does our client need today? What can we do to create values for them? We observed the market and saw how actively companies undergo transformation. This applies to the pandemic challenges, digital, mental, and other aspects. I don’t know any field which does not face an inevitable need of changes, that included us” – noted founder and Vision Lead of the company, Tinatin Rukhadze. As a result of the transformation, now ACT has four business units: Management Consulting, Development Consulting, Research, and Business Analytics. The business model is no longer research, but ACT became a research-driven consulting company where a core is business analytics. The company pointed its strength – analytics and tools created for management consulting towards supporting organizations in making the right decisions. The transformation started within the company, now ACT applies renewed approaches with a new target segment. As a result, the company had 80% growth only in 2019. This business model was the reason why the set plan was fulfilled even during the world crisis caused by the pandemic and thus, ACT proved that there are no good and bad times, we make time. As explained by the company’s Vision Lead – “naturally, change of business model solely was not enough. In addition to organizational mindset, we have also significantly extended our team – new people of different competences joined us. The organizational structure underwent drastic changes –a change of business model was followed by the agile transformation that opened new ways of effectiveness and creativity. The company is driven by three main powers: vision, culture, and enforcement, this is why it has three managers each having their own element. We view the organization as a network that pushed us towards making changes in the traditional structure and makes the management model three-dimensional where all three elements – vision, culture, and enforcement serve the achievement of one common goal. Development is visible in every aspect – entire team, products, incomes, with this transformation we achieved what was the most important for us – we create more values for our clients”.  Changes did not affect the main values of the company: love, support, efficiency, and development. The given mix was enriched with one more – creativity. Interesting ideas, putting things in a new perspective and innovative decisions help the company fulfill its mission excellently. As we believe, the universe is full of resources and opportunities to fulfill any idea you wish for, creativity makes it easier to detect and utilize them. This is why, we turned creativity, optimism, and joy into our everyday life and part of the working process. “We do not believe in consulting that dictates business how to do its job. On contrary, we assist our clients externally to make the best decision with its own wisdom and experience. Our approach is to empower them” – notes Tinatin Rukhadze. Organizational transformation naturally resulted in the need for visual rebranding. ACT’s brand underwent a transformation, the company made a completely innovative and ambitious statement on the market. The brand transformation was led by the company’s Marketing and Strategic Communication Unit Lead Ana Ivanishvili. As stated by her “changes were large-scale. We naturally had a feeling that renewed team, products, or brand philosophy could not be pulled through by old brand. Stakes were high as ACT provides others with the same service. So, we decided to cooperate with a designer Gia Bokhua who worked on the initial branding of ACT – we had a belief that he would understand our new destination precisely and find the appropriate visual solution.  When doing rebranding, we felt hesitant whether to fully get rid of ACT’s identity or keep it at least partially. This renewed logo of ours still carries our DNA – data – that are presented in smaller font, while the name ACT is distinctly visible. This indicates that we kept our core, but now we are more complex than ever and ready to become more valuable for our partners”.  As intended, the renewed brand was supposed to fully reflect organizational transformation. Rebranding should show ACT as a modern, ambitious, global company that offers much more than research. This is why the visual style was completely altered. Such a familiar red color was replaced by blue. Typography was developed. Changes affected our slogan too – Think Big was replaced by encouragement to positive change: Empower the Change. For all those years, our clients were those who thought big, who had big dreams and goals. Modern challenges and reality transformed our vision – today, our clients are leaders and organizations of the future – those, who try to change the world for the better every single day. We see ourselves as supporters of those changes, that is why our new slogan reflects faith in positive changes. A graphic designer Gia Bokhua worked on renewed visual branding, he is an author of ACT’s previous visual identity. „I worked on ACT’s branding 13 years ago for the first time. Now, as ACT undergoes transformation, I decided to jazz up the logo. We sized up the name and made it more apparent, as the name itself – ACT also means “motion” it complements the slogan – Empower the Change even more. The main concept of the logo – data – is preserved. In a new positioning, action is a core, leading – encouragement of the idea and inspiration which is driven by data. As for identity, we decided to choose B&W photos as a unique style, main visual touch is a globe that emphasizes the global nature of the company and makes an image more dynamic. We also developed a new design for the slogan” – explains designer Gia Bokhua. According to a new vision, ACT operates as a “Mall of Business Processes” – “we wish to become a hub for business services that will provide clients with all the necessary services and the company will not have to interact with completely different providers which are time-consuming and overall, less effective. We cannot imagine a business without expansion. This ambition follows us since the day we founded this company, we always wanted to be a successful Georgian company on the international market. We wanted to export Georgian intellectual capacities. During the last year only, ACT worked in 28 countries. In this digital era, you don’t even need an office to work, which opens up a broader horizon for opportunities. We also plan on strengthening partnership alliances and become extremely valuable for clients in business consulting” – states Tinatin Rukhadze. As a result of transformation and rebranding, ACT continues to operate with a renewed concept. In response to modern challenges of the global market, Research and Consulting company ACT already made a successful step – underwent a transformation to discover and take advantage of new opportunities.