Mr. Michael Mncedisi Willie is a Researcher in the private health sector in South Africa. He is currently employed as Chief Research Officer by second biggest medical scheme in South Africa. He previously work in Private Health Insurance, Insurance, Banking and Compensation for occupational injuries sectors. Michael has a published more than 10 research articles in peer reviewed journals and is also currently serving on various research journal editorial committees. His research interests are in Health Care, Insurance, Banking and Big data analytics.