The Effects Of Drug Abuse On The United States - 947 Words

Ngoc Do Drug Abuse Drug abuse is a problem that has been increasing immensely in the United States. The amount of people using drugs is increasing drastically with people starting or trying illegal substances as a younger age. Drug abuse is the over use of legal and illegal substances. The abuse of drugs is the number one health related problem. Types of drugs commonly abused include alcohol, tobacco, marijuana, painkillers, depressants, cocaine, stimulants, hallucinogens, heroin, and methamphetamine. However, marijuana and cocaine are the most abused drugs in the United States. According to the National Institute on Drug Abuse, long term use or marijuana is said to have some addictive potential. In most cases, first time users will not†¦show more content†¦In addition, marijuana raises heart rate for up to three hours after smoking. To recognize someone who is abusing marijuana if they have signs of withdrawal or if they have tried to cut back on their smoking or tried to use less marijuana but still find that they wind up smoking more or using more than they anticipated. No medications are currently available to treat marijuana addiction. However, behavioral support has been effective in treating marijuana addiction, include therapy and motivational incentives. Marijuana remains the most popular illicit drug among high school students even though it is only legal for those twenty-one and older in states where it is legal. The majority marijuana is the most popular illicit drug among high school because they do not think occasional marijuana smoking is harmful, since it’s already legal in some states. Cocaine is another commonly abused drug in the United States. Cocaine produces its powerful high by acting on the brain. But as cocaine travels through the blood, it affects the whole body. Cocaine harms the brain, heart, blood vessels, and lungs, and can even cause sudden death. Cocaine increases heart rate and blood pressure while constricting the arter ies supplying blood to the heart. The result interrupts blood flow to the heart muscle itself, which can cause a heart attack, even in young people without heart disease. Cocaine also can constrict blood vessels in theShow MoreRelatedThe Effects Of Drug Abuse On The United States1717 Words   |  7 Pagesdemonstrate the absurdity of the drug abuse problems in the United States, it should be brought to light that the 2014 National Survey on Drug Use Health estimated that â€Å"27 million people aged 12 or older have used an illicit drug in the past 30 days† (Hedden, Kennet, Lipari, Medley, Tice, 2015). As gun violence has become a popular topic in America over the past few years due to its’ related deaths, many Americans’ fail to realize that more people are dying from drug overdose than by weapon. In today’sRead MoreThe Effects Of Drug Abuse On The United States1479 Words   |  6 PagesNational Survey on Drug Use and Health, 669,000 Americans reported using heroin in the year of 2012. The number of people using heroin for the first time is dramatically high, with 156,000 people starting in 2012, doubling from the year 2009 (National Institute on Drug Abuse, 2014) Those using heroin are typically adults aged between 18-25 years old. The impact of heroin is felt all over the United States affecting many people. Heroin is identified as one of the most important drug issues, thereforeRead MoreDrug Abuse And Its Effects On The United States Essay879 Words   |  4 PagesDrug abuse is worldwide problem and one that has plagued the United States for decades. Drug abuse negatively impacts not only the individual user, but also our society as a whole. The fight to prevent the manufacturing and trafficking of illegal drugs into the country has made very little impact on its accessibility to those that wish to partake. According to the National Drug Control Budget Report for 2015, the President of the United States request $25.4 Billi on in Fiscal Year 2015 in orderRead MoreThe Effects Of Drug Abuse On Society Essay1136 Words   |  5 Pageshave all felt the effects of drug abuse. In other words, whether it affects an individual directly or indirectly every person has seen or felt the negative effects of drug abuse in our society. The ultimate question, is why does such an abounding amount of Americans abuse illicit drugs, and how does it affect us as a nation? Moreover, something such as this doesn t occur for without a distinct cause, there must be something occurring in our society that creates these illicit drug abusers. CorrespondinglyRead MorePrescription Drug Abuse And Prescription Drugs1487 Words   |  6 PagesPrescription Drug Abuse Prescription Drug Abuse has increased in an alarming rate over recent years! Prescription drug related deaths now outnumber those from heroin and cocaine combined. The abuse in prescription drugs in America goes back more than a hundred years ago. Prescription drug abuse is the use of a medication without a prescription, in a way other than prescribed, or for the experience or feelings elicited. Although prescription medications are intended to help individuals, they canRead MoreSubstance Abuse On Today s Teens968 Words   |  4 PagesSubstances abuse on today’s teens has become one of the main problems in the United State Society. Even though the Juvenile Department Center has create different programs and campaigns to help lower the rate of juveniles abusing substances, it seems hopeless. Now, this problem has directly affected Jane, who’s her son (which is a teen) has become involved with abusing three different substances. To be specific, Jane’s son has bee n abusing Percocet’s, Alcohol, and Marijuana. Jane has ask this authorRead MoreThe Effects Of Drugs On The Human Body1158 Words   |  5 PagesThe United States of American has had one main problem that has terrorize its streets ever since it became a nation. The abuse of substances has become more and more common on this society, that now thinking about legalizing one of its illicit drugs is a main political topic. Even though the United States has become a war on drugs country, many people in its society are still being affected. Out of all the substances that are being abuse in this country, there are three that outstand the rest. TheRead MoreVictimless Crime1282 Words   |  6 Pagesillegal act that is felt to have no direct or identifiable victim. Drug possession and usage is considered to be a type of victimless crime. Libertarianism says the government is set up to offer protection for each of us against the initiation of force by others. They say this gives us the à ¢â‚¬Å"moral space† in which to live our own lives in our own chosen way-even if that means choosing to use drugs. A person under the influence of illegal drugs is known to cause damage to themselves, other people or propertyRead MoreThe War on Drugs1350 Words   |  6 Pages For several years the United States of America has been struggling with the problem of drug addiction of its citizens. This has led the federal government to take measures to restrain the problem of addiction in the United States. However, after observing these measures, such as the ‘War on Drugs’ and its consequences, scholars now question the effectiveness of the drug policy implemented. Some scholars even argue that the War on Drugs has been more harmful to American citizens than helpful. AlsoRead MoreAnabolic Steroids : Use And Performance Enhancing Drugs1516 Words   |  7 Pagesperformance enhancing drugs like anabolic steroids has been a debatable topic in the United States as early as the 1950’s. Former U. S. Representative Howard Berman expresses that â€Å"Steroids can seem necessary to compete at the highest level, and the quick rewards may seem to outweigh the long term consequences to users.† The National Institute on Drug Abuse (NIDA) state s that countless athletes, both young and old, face life threatening illnesses due to the use of performance-enhancing drugs, some of which

Donoghue V Stevenson - Free Essay Example

Sample details Pages: 7 Words: 2147 Downloads: 5 Date added: 2017/06/26 Category Law Essay Type Analytical essay Topics: Duty Essay Did you like this example? The fact in Donoghue V. Stevenson[1] was that the appellant drank a ginger beer that was bought by her friend in a cafÃÆ' © and she drank part of it from her cup. Her friend poured the rest and a decomposed snail was seen floating on the ginger beer. Don’t waste time! Our writers will create an original "Donoghue V Stevenson" essay for you Create order The nauseating sight coupled with the fact that the appellant had drank from it caused her shock and severe gastro-enteritis. She brought an action and the issue before the court was whether the manufacturer of an article of drink sold by him to distributor in the circumstances which prevent the customer/consumer from discovering by inspection any defect was under any legal duty to the customer/consumer. In searching for a principle of law, Lord Atkin used the comparative simplicity rule stating that the court should sought the duty which is common to all the cases where liability was established and base it on logical element common to the cases where it was found to exist[2]. Lord Atkin reinstated the general test for damages for negligence to be that the applicant must show that he had been injured by breach of duty owed by the defendant to take reasonable care to avoid such injury. This duty arises in circumstances where there was proximity and the defendant could reasonabl y foresee that the plaintiff would be affected by his negligence. Lord Atkinà ¢Ã¢â€š ¬Ã¢â€ž ¢s à ¢Ã¢â€š ¬Ã‹Å"foresee-abilityà ¢Ã¢â€š ¬Ã¢â€ž ¢ test was based on the premise that à ¢Ã¢â€š ¬Ã…“people are so closely and directly affected by my act that I ought to reasonably to have them in contemplation as being so affected when I am directing my mind to the act or omission which are called in questionà ¢Ã¢â€š ¬Ã‚ [3]. These were the principles that was common to all the cases decided and which Lord Atkins considered. In Le Lievre V. Gould[4] and Heaven V. Pender[5], the courts held that there was a duty to take reasonable care to another even in the absence of contract, where there is proximity to other person or that other personà ¢Ã¢â€š ¬Ã¢â€ž ¢s goods that he ought not to cause injury. This usually occur where A was so close to B or Bà ¢Ã¢â€š ¬Ã¢â€ž ¢s goods that he ought to take reasonable care not to cause injury to B or Bà ¢Ã¢â€š ¬Ã¢â€ž ¢s goods. These same si mple rules was evinced in the judgment of the court in the case of George V. Skivington[6], where the court held that there was a duty on the manufacturer to exercise reasonable care to the purchasers. It can be deduced that the duty of care exist where there is proximity or where it can be shown that the defendant can reasonable know that the plaintiff would suffer injuries by his failure to take reasonable care. The test laid down in the Donoghueà ¢Ã¢â€š ¬Ã¢â€ž ¢s case was that a liability in negligence for breach of duty of care would suffice if there was proximity between the defendantà ¢Ã¢â€š ¬Ã¢â€ž ¢s action and the injuries was cause as a result of failure to take reasonable care. In Phelps V. London Borough of Hillingdon; Anderton V. Clwyd County council; Jarvis V. Hampshire County council; Re G (a minor)[7], the first case involved claim for negligence. The claimant who suffered from disability claimed that due to the failure of the defendant to provide adequate tuition and treatment he suffered injuries. In the second and third cases, the claimants who suffered from dyslexia claimed injuries as a result of their local education authoritiesà ¢Ã¢â€š ¬Ã¢â€ž ¢ inability to provide suitable educational provisions. In the fourth claim, the claimant who suffered muscular dystrophy claimed that the defendant failed to provide him with the adequate training facilities to enable him to communicate appropriately with others. The HL held that persons exercising a particular skill may owe a duty of care and the fact that they are employed by the defendants to satisfy statutory obligations does not mean that no duty of care is required in the performance of their duty. Accordingly, à ¢Ã¢â€š ¬Ã…“failures by educational psychologists, failure to diagnose a congenital condition and to take appropriate action was damage for the purpose of the common law and although questions of causation and quantum might be very difficult, there was no reason in pr inciple to rule out such claimsà ¢Ã¢â€š ¬Ã‚ . The decision of the House of Lords in this case reflects the principle of proximity and reasonable care of the case of Donoghue V. Stevenson to award remedy for injuries that arise out of failure to take reasonable care. Also in Large V. Waldron[8], the claimant claimed negligence for reasons of failure of the defendantà ¢Ã¢â€š ¬Ã¢â€ž ¢s general practitioner to properly diagnose him and refer him to hospital when he had developed septicaemia and meningitis as an infant. The court held that the defendant failed in their duty of care and upheld the claimantà ¢Ã¢â€š ¬Ã¢â€ž ¢s claim. However, in light of recent decisions, the court seems to have departed from this comparative simplicity test that prevails in an action in negligence. In Van Colle V. Chief Constable of Hertfordshire, Smith V. Chief Constable of Essex[9], The case involves two victims (G S). G was murdered days before he testified as a witness in the trial of B. T here had been threats and incidence of witness intimidation before the murder. In S case, he had complained that his former partner (P) had threatened to kill him. The police had sufficient evidence to arrest P but failed to do so. While the matter remained under investigation, P caused severe injuries to the person of S using a claw-hammer. The claim in Gà ¢Ã¢â€š ¬Ã¢â€ž ¢s case was brought under the article 2 of the European Convention on Human Rights 1950. The test that the court had to satisfy is à ¢Ã¢â€š ¬Ã…“that the authorities knew or ought to have known at the time of the existence of a real and immediate risk to the life of an identified individual from the criminal act of the third partyà ¢Ã¢â€š ¬Ã‚  and they fail to take reasonable measures within their powers to avoid the risk, then their obligation under the convention is breached. The court held that that in this case, from the information available to the police they would not have anticipated that B consti tuted a risk to G. In S case, the action was on the tort of negligence. If one applies the test of Lord Atkin to this fact, the first issue will be to decide whether failure of police to act would amount to breach of duty of care where there is proximity between the defendantà ¢Ã¢â€š ¬Ã¢â€ž ¢s action and the injuries caused as a result of failure to take reasonable care by acting on the complaint. There is no doubt that failure to act can amount to negligence if the defendant could reasonable foresee that his inaction may cause injuries to the plaintiff or the plaintiffà ¢Ã¢â€š ¬Ã¢â€ž ¢s property. However, in this case, the court failed to imply negligence in the police inaction and held that in the absence of special circumstances, the police owed no common law duty to protect individuals against harm caused by criminals. The introduction of a special circumstances clause to avoid liability clearly departs from the comparative test articulated by Lord Atkin in Donoghue V Stevenson. It suggests that the courts are limiting the necessary implication of the Donoghueà ¢Ã¢â€š ¬Ã¢â€ž ¢s test. In Hill V. Chief Constable of West Yorkshire[10], the case involved the murder of the plaintiffà ¢Ã¢â€š ¬Ã¢â€ž ¢s daughter within the area where the defendant was the chief constable. The murderer was convicted murder. The said murderer had attacked and murdered series of other females in the area in the previous years under the same circumstances. The plaintiff claimed on behalf of his deceased daughter estate remedies against the defendant in conduct of investigations into crime and for failure to apprehend the murderer and thus prevent the murder of his daughter. The court dismissed the claimantà ¢Ã¢â€š ¬Ã¢â€ž ¢s claim and appeal for not disclosing any cause of action. The court held that à ¢Ã¢â€š ¬Ã…“there was no general duty of care owed by them (police) to identify or apprehend an unknown criminal, nor did they owe a duty of care to individual memb ers of the public who might suffer injury through the criminals activities save where their failure to apprehend him had created an exceptional added riskà ¢Ã¢â€š ¬Ã‚ . Notwithstanding, the court acknowledged that although it was reasonably foreseen that the said murderer was likely to attack female member of the public if not arrested but this does not in itself make the plaintiffà ¢Ã¢â€š ¬Ã¢â€ž ¢s daughter at risk more than other members of the public. The exceptional circumstances in this case would occur where proximity of relationship between the police and the victim was greater than would with the general risk to members of public. These cases however clearly depart from the contemplation of the principles that is settled in the case of Donoghue V. Stevenson. The courts had introduced further element that relieves defendants from liability where foreseeable injuries occur as a result failure to take reasonable care. The court in the case of Wombwell V. Grimsby Fish Dock Enterprises[11], the appellant in this case claimed personal injury against the respondent for injuries caused on the respondents premises. The respondent had kept on its quayside cylinders containing gas under pressure for about 2 years. The appellant had entered on the respondentà ¢Ã¢â€š ¬Ã¢â€ž ¢s premises to fit his boat for sea and had been injured by the cylinders when it discharged. The court held that the respondent did not owe any duty because the appellant use of the premises was not for the purpose he was allowed on it. The court in this case failed to follow the comparative element that the duty to take reasonable care is owed to all those that may reasonably be foreseeable to use the premises of the respondent. This duty is owed to anyone who is foreseeable to use the premises. The rule in Donoghue V. Stevenson is to award damages for injuries where the defendant and the claimant are in a position of proximity and the claimant suffers injuries because of th e failure of the defendant to take reasonable care so as not to cause injuries to the claimantà ¢Ã¢â€š ¬Ã¢â€ž ¢s person or goods. In this case failure of the defendant to remove the cylinder containing gas which it stored for years and the fact that the defendant could reasonably foresee that it may discharge and cause harm renders the court decision to depart from the comparative of Donoghue V. Stevenson. In Blake V. Galloway[12], the parties were engaged in high spirited horse game. The claimant threw at the defendant a piece of chipping bark which struck the defendant on his back. The defendant thereafter threw the chipping back towards the claimant and struck him just by the eyes causing substantial injuries. The claimant brought an action for battery and/or negligence. The court held that the defendant will be in breach of duty of care if his conduct amounts to recklessness or a very high degree of carelessness. The courts decision seems to depart from the obvious princi ple for which negligence was based. The underlying element in negligence cases was to award damages for injuries that were caused as a result of the defendantà ¢Ã¢â€š ¬Ã¢â€ž ¢s act where: The defendant and the claimant are in proximity. In this case, there is no doubt that the claimant and the defendant fall within this range of proximity. The defendant owed a reasonable care towards the claimant not to cause injury to his person by ensuring that it conducted in a safe manner towards the claimant. In this case, these elements are present however, the court failed to apply the comparative test to the fact. It is therefore my conclusion that in light of recent decisions in cases involving duty of care, the courts have failed to apply the comparative simplicity test of Lord Atkin to cases where injuries was caused to a claimant because of the defendantà ¢Ã¢â€š ¬Ã¢â€ž ¢s failure to take reasonable care where he could reasonably foresee that his failure to take sure care will cause injuries to the claimant. Notwithstanding that the comparative simplicity aided in ensuring certainty, it seems overdue. However, changes in the test may affect the certainty of decisions in duty of care cases. Bibliography Blake V. Galloway (2004) 3 ALL ER 315 Donoghue V. Stevenson (1932) AC 562 page 580 George V. Skivington L.R. 5 Ex 1 Heaven V. Pender 11 QBD 503 Hill V. Chief Constable of West Yorkshire (1989) AC 53 HL Large V. Waldron (2008) EWHC 1937 (QB) Le Lievre V. G ould (1893) 1QB 491 Phelps V. London Borough of Hillingdon; Anderton V. Clwyd County council; Jarvis V. Hampshire County council; Re G (a minor) (2004) 4 ALL ER 504 Van Colle V. Chief Constable of Hertfordshire, Smith V. Chief Constable of Essex (2008) UKHL 50 Wombwell V. Grimsby Fish Dock Enterprises (2008) EWCA Civ 831 European Convention on Human Rights 1950 Footnotes [1] (1932) AC 562 page 580 [2] Donoghue V. Stevenson (1932) AC 562 page 580 [3] Ibid at page 580 [4] (1893) 1QB 491, 497 [5] 11 QBD 503 [6] L.R. 5 Ex 1 [7] (2004) 4 ALL ER 504 [8] (2008) EWHC 1937 (QB) [9] (2008) UKHL 50 [10] (1989) AC 53 HL [11] (2008) EWCA Civ 831 [12] (2004) 3 ALL ER 315

South African Financial Industry Free Essays

Non-traditional participants continue to aggressively explore revenue opportunities offered by the South African banking industry. The increased market threats, highly competitive and continually changing environment has led to Strategy (2017) to refer to it as â€Å"a market place with no boundaries†. Figure 1 below, shows how the South African financial industry has progressed into the current state from just over a decade ago. We will write a custom essay sample on South African Financial Industry or any similar topic only for you Order Now The environment is characterised by intense competition, globalisation, heightened customer mobility and demand and deregulation (Bedeley, 2014; The Banking Association South Africa, 2014). Advancements of digital solutions has been the key enabler for the non-traditional participants to re-shape their value proposition and endeavour into the banking market. This has resulted in empowered global customers (Somal, 2017). To combat the increasing threats and outperform the new entrants, traditional banks continue to seek out digital transformational strategies (Bedeley, 2014; Somal, 2017; Strategy, 2017). To South African traditional banks, the more threatening challenge is customer retention over attraction (Bedeley, 2014). They acquire vast customer data from the large market share evident in the second paragraph. This data continues to emerge at an alarming rate, due to increased market shared, increased customer base and innovation (Bedeley, 2014). The South African Banks have the opportunity to develop more customer centric strategies to respond to the wealth of data at hand. The key lies with translating this customer data into insight to enhance relationships with existing customers. Referred to, in the modern age, as data analysis. Data collection and analysis need to be a crucial part of business strategy (Somal, 2017). Data analysis depicts what has changed, and how to respond to it (McKinseyCompany, 2018; SAS, 2018). This implies the data capture, storage, processing and analysing strategies must make full use of the technologies available to take up the challenges born from the data surge (Bedeley, 2014). Harvesting data and looking for patterns and anomalies to provide insight lead to better business decision making and outcomes. This is not limited to, but includes, reduces operational costs, business risk analysis, reduced business uncertainty, consumer behavioural predictions, and guide smarter strategies to optimise current offerings or develop new ones (Bedeley, 2014; EY,2017; Stringfellow, 2014). Collecting and analysing customer data is not a new trend, the challenge is storing vast amounts of data, but, new technologies have relieved that liability (Forrester, 2018; TDWI, 2011). Organisations that adopt data analysis surpass their competition by 5% in productivity, and 6% in profitability (EY, 2017; Stringfellow, 2014). According to EY (2017), by 2020, each human being will generate 1.7 megabytes of new information per second. And, in the past two years, human beings have generated more information in the history of humankind. Effective internal and external knowledge management grants organisations the agility to detect opportunities and threats (e.g., reacting to new products or services of competitors); grasping possible opportunities (e.g., expanding into new markets), and staying afloat in a market whilst possessing competitive advantage (e.g., digital strategies to deliver efficient products or services) (Cà ´rte-Real, Oliveira Ruivo, 2017; Bedeley, 2014; EY, 2017; McKinseyCompany, 2018). Understanding the South African Market This section aims to put into perspective the current market that South African banks serve. In 2017, 80.1% of South Africans lived in formal dwellings, 16.5% in informal dwellings, and 5.5% in traditional dwellings (StatsSA, 2017). According to a report by Standard Bank (as cited by BusinessTech, 2014), the poorest of the households in South Africa account for 62.3%, with members who earn a combined income of R7, 167 per month. Middle class households, earning from R86, 001 to R1.48 million per annum, account for 26.4%. Affluent households account for 0.4%, with an income of more than R2.36 million per year. The bank notes, only 5.5% of households possibly have the capability to save each month; Furthermore, the affluent households have a 65% saving capability each month of their income after-tax. The poor households contribute 11.2% to the country’s income, the middle class contribute a total of 64.6%, whilst the affluent contributes 22.6%. This report highlights the severity of inequality in South Africa, whilst on the flip side highlights growth in the middle class (BusinessTech, 2016). Businesslive (2017) states, in the fourth quarter of 2016, there were 24.31-million credit consumers in South Africa, which is 8 million more than the employed South African population; Moreover, two out of every five credit-active consumers have an impaired record, which is 40% of the 24.31-million credit-active consumers; However, other debt including loan sharks debt were not included. In 2015, the World Bank report, declared South Africans as the world’s largest debtors (Businesslive, 2017).? Costumer Satisfaction Index for the South African Banking Industry In the fourth quarter of 2017, Consulta released a Customer Satisfaction Index (SAcsi) for the South African banking industry. This satisfaction index is based on brands exceeding or falling short of customer expectations, and the respondents’ idea of the ideal product to achieve an overall result out of 100 (Consulta, 2017). The report reveals the degree of satisfaction of South Africans with their banks. Survey participants included 13,099 bank customers across various segments selected at randomly (Consulta, 2017). The table below shows the year-on-year SAcsi scores for the South African traditional banks from the year 2017 till 2017. Absa shows a decline in the past three years, dropping from 74.8 in 2014 to 73.3 in 2017, resulting in obtaining the bottom position among the banks included in the benchmark. Standard bank previously held the last position, but, made a recovery with a substantial 3.3% increase in 2017 from the previous year. Nedbank suffered a 0.9% in 2017 from the previous year, 2016 77%, obtaining a 76.3% moving it to below the industry average of 77%. FNB obtained a 0.4% decrease in 2017 from the previous year, 2016 81.3%, but remains above the industry average. Capitec customers have remained the most satisfied for past five consecutive years. The 2017 Capitec score was 85.3%, 8.3% above the overall industry average. Gap Withing the South African Banking Industry Regarding Data Analysis Banks are only using a portion of the customer data that is available to them to generate insight to optimise current offerings. The reasons for the low insight is silos and organisational structures, skills and talent gaps, data privacy, regulatory and legal framework or ethical issues and high costs associated to data analysis strategies (Somal, 2017). This prevents them from responding to changing customer needs; hence, leads to missed revenue opportunities. By prioritising data analysis to a key component to daily decision making, South African Banks can be equipped to integrate data from the different sources and develop solutions to better serve their customers, which will deliver noteworthy benefits (Strategy;, 2017). The outcome of this section suggests that with data analysis South African banks can provide business value by facilitating the acquisition of supply chain and marketing knowledge (Cà ´rte-Real et al., 2017). That translate to the right person offered the right product on the right device at the right time (Bedeley, 2014). Since banks have so much data available with the necessary analysing tools, they have a 50% chance of retaining a customer that is about to leave (Somal, 2017). Section three forms the fundamentals of the investigation of this paper. The section begins with the use of insight harnessed from customer data analysis to enhance customer experience by reviewing closely related literature; and then grants much needed detail on the data required for this resolution; how it will be collected from diverse sources to build better models and gain more actionable insights; improved to generate the right results and avoid making incorrect conclusions; and analysed for better decision making. The section concludes by presenting some key challenges and benefits of data analysis. How to cite South African Financial Industry, Papers