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Publications

Bridging the Cultural Divide Between Banks and Life Insurers: 2010 Australia Bancassurance Study 

10/1/2010

 
This Study is the first exploration of the cultural and perceptual issues that come between the Australian banks and life insurers engaged in the business of bancassurance. It investigates concerns confronting the banks and their life insurance partners, and provides a cross-sectional analysis and snapshot of a sample of the population at a single point in time. 

Bridging the Cultural Divide Between Banks and Life Insurers: 2010 India Bancassurance Study 

4/1/2010

 
This Study is the first exploration of the cultural and perceptual issues that divide the banks and life insurers in India that are engaged in the business of bancassurance. It investigates the concerns confronting banks and their life insurance partners, and provides a cross-sectional analysis – that is, a snapshot of a sample of a surveyed population at a single point in time. 

Bridging the Cultural Divide Between Banks and Life Insurers: 2010 South Africa Bancassurance Study 

1/1/2010

 
This Study explores the cultural and perceptual issues that divide banks and life insurers. The 2010 Study is the second investigation of the concerns confronting banks and their life insurance partners in South Africa. This survey is now both a cross-sectional analysis (that is, it provides a snapshot of a sample of a population at a single point in time) and a longitudinal analysis (the study of change over time). 

Bridging the Cultural Divide Between Banks and Life Insurers: 2009 Middle East Bancassurance Study

11/1/2009

 
This Study explores the cultural and perceptual issues that divide banks and life insurers. The 2009 Study is the first investigation of the concerns confronting banks and their insurance partners in the Middle East. This survey is a cross-sectional analysis. It provides a snapshot of a sample of a population at a single point in time. The C F Effron Company, LLC, conducted a ground-breaking study to quantify the issues that create barriers to success and to understand the nonstatutory disincentives to affiliation. These disincentives are rooted in the cultural differences between banks and life insurers — their distinctive business models, as well as how these institutions are regulated, attract customers, distribute their products and make a profit — in essence their business culture. The Study uses a statistical “gap analysis” technique to quantify the cultural issues, therefore using hard evidence to uncover and explore the qualitative issues banks and life insurers must tackle to achieve success. 


Bridging the Cultural Divide Between Banks and Insurers: 2007 Bancassurance Study - South Africa 

2/1/2007

 
This Study explores the cultural and perceptual issues that divide banks and insurers. It uses hard evidence to uncover and explore the issues that banks and insurers must tackle to achieve success in what is becoming a highly competitive bancassurance market space. The following represent some of the more significant findings of the Survey. A total of 2 questionnaires were completed, believed to represent more than 70% of the bancassurance market in South Africa. 


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