This conceptual paper examines bancassurance from the perspectives of banks, insurers, and customers. In general, bancassurance refers to the collaboration between banks and insurers to distribute insurance products to bank customers. In Malaysia, bancassurance significantly contributes to the growth of the Malaysia market. As the nature of the banking atmosphere grows more competitive, the role of bancassurance develops more meaningfully in this industry. In the context of this concern, this study seeks to discuss the concept of bancassurance and its benefits to the banking sector, insurance industry, and customers. This study would be useful to insurance companies and banking institutions to formulate strategies for sustainability of bancassurance in the industry.

Building trust throughout an organisation is not an easy task. Generally, it takes a longer time to build trust and culture in an organisation. As the nature of the market atmosphere grows more competitive, the role of organisational culture has developed more meaningfully recently. In the context of this concern, this study seeks to discuss the concept of organisational culture and why organisational culture is important. Apart from that, this article discusses the effects of organisational culture and how to cultivate culture in the organisations.