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Credit Union Member Share Digitisation: Tokenization Inside the Cooperative Movement

In the previous article of this series, we applied DAGAF™ — the Digital Asset Governance and Assurance Framework — to tokenized resort real estate, the most unmistakably Caribbean of the use case applications we set out to test the framework against. We chose that asset class first because it does not let any pillar of...

Tokenized Resort Real Estate: The Caribbean Use Case That Tests the Framework

May 5, 2026by Dr Dawkins Brown

In the seven previous articles of this series, we have constructed the Digital Asset Governance and Assurance Framework — DAGAF™ — pillar by pillar. We have established the case for a Caribbean-anchored framework, mapped the foreign and regional regulatory regimes Caribbean enterprises must operate within, set out the architecture of the framework as a whole,...

After Twin Peaks: A Caribbean Capital Market Worthy of International Capital

May 4, 2026by Dr Dawkins Brown

Eleven articles have set out the case for Twin Peaks, the international evidence base, the legislative reform package, and the operational readiness work the next twelve months require. This closing article steps back and addresses the question that gives the transition its meaning: what is all of this for. The answer cannot be the cutover...

Boardroom Readiness for Twin Peaks: Twelve Months to Build What the New Regime Will Require

May 4, 2026by Dr Dawkins Brown

The shape of the work The boardroom readiness work for Twin Peaks divides into five categories. Each category contains several sub-streams. The categories are governance, supervisory engagement, control functions, management information, and people. They are interlocking rather than sequential. A board that prioritises governance and defers supervisory engagement will discover during the first post-cutover supervisory...

The Legislative Reform Package: What the Twin Peaks Statutes Must Deliver

May 4, 2026by Dr Dawkins Brown

The legislative architecture decision The first and most consequential drafting choice is the legislative architecture itself. Article 6 of this series identified the South African Financial Sector Regulation Act of 2017 as a model — a single comprehensive statute that sets out the entire Twin Peaks framework, both peaks, the coordination mechanisms, the...

Finance & CFO Advisory Finance Transformation Finance Transformation & Performance Improvement Financial Regulation Financial Reporting & CFO Insights Financial Services Financial Services / Regulated Industries Regulatory & Compliance Regulatory & Standards Updates Regulatory Affairs Regulatory Compliance Risk & Compliance Risk & Compliance (GRC)Risk & Compliance)

Investor Protection in a Twin Peaks World: From Disclosure to Outcomes

May 4, 2026by Dr Dawkins Brown

The shift from disclosure to outcomes The most important conceptual shift in international investor protection over the past decade is the shift from disclosure-based to outcomes-based regulation. The shift sounds technical. Its operational implications are substantial. Under disclosure-based regulation, the regulatory framework requires regulated firms to disclose material features of products and services. Risk...

Capital Markets Capital Markets (Loans & Bonds)Capital Structure & Funding Caribbean advisory services Caribbean Business Advisory Compliance Compliance & Regulation Compliance & Regulatory Advisory Compliance & Risk Management Financial Regulation Financial Reporting & CFO Insights Financial Services Regulatory & Compliance Regulatory & Standards Updates Regulatory Affairs Regulatory Compliance

Measuring Jamaica Against IOSCO: A Principles-Based Diagnostic of the Jamaican Capital Market

May 4, 2026by Dr Dawkins Brown

Why the IOSCO Principles matter The International Organization of Securities Commissions is the global standard-setter for securities regulation. Its membership comprises the securities regulators of more than 130 jurisdictions, collectively responsible for over 95 per cent of the world’s securities markets. The IOSCO Objectives and Principles of Securities Regulation, first published in 1998 and...

Board & Audit Committee Board & Audit Committee Insights Board Accountability Board Effectiveness Board Governance Board Oversight Boardroom Perspectives Boardroom Strategy Capital Access Capital Markets Capital Markets (Loans & Bonds)Capital Structure & Funding Regulatory & Compliance Regulatory & Standards Updates Regulatory Affairs Regulatory Compliance Resilience Frameworks The Jamaica Stock Exchange

An SRO at a Crossroads: The Jamaica Stock Exchange Under Twin Peaks.

May 4, 2026by Dr Dawkins Brown

The structural position the JSE actually occupies Most discussions of the Jamaica Stock Exchange focus on what it does — operates a stock market, lists companies, processes trades, publishes prices. Those operational descriptions are accurate, but they obscure the structural position the JSE actually occupies in the regulatory architecture. That structural position is what the...

Three Markets, Three Lessons: What South Africa, the Netherlands and New Zealand Teach the Caribbean

May 3, 2026by Dr Dawkins Brown

Why these three jurisdictions matter The two case studies that have already been examined in this series — Australia and the United Kingdom — are the headline references in international Twin Peaks literature. Both produced extensive operating evidence. Both have generated substantial post-implementation reform programmes. Both are well-documented in IMF Financial Sector Assessment Programs,...

The United Kingdom: From the FSA to the PRA and FCA — A Model in Continuous Reform

May 3, 2026by Dr Dawkins Brown

The United Kingdom adopted Twin Peaks in 2013 because its previous regulator had failed during the global financial crisis. Thirteen years later, the Prudential Regulation Authority and the Financial Conduct Authority operate the most actively reforming Twin Peaks regime in the world — pioneering outcomes-based conduct supervision through the Consumer Duty, embedding individual accountability through...

Tokenized Resort Real Estate: The Caribbean Use Case That Tests the Framework

After Twin Peaks: A Caribbean Capital Market Worthy of International Capital

Boardroom Readiness for Twin Peaks: Twelve Months to Build What the New Regime Will Require

The Legislative Reform Package: What the Twin Peaks Statutes Must Deliver

Investor Protection in a Twin Peaks World: From Disclosure to Outcomes

Measuring Jamaica Against IOSCO: A Principles-Based Diagnostic of the Jamaican Capital Market

An SRO at a Crossroads: The Jamaica Stock Exchange Under Twin Peaks.

Three Markets, Three Lessons: What South Africa, the Netherlands and New Zealand Teach the Caribbean

The United Kingdom: From the FSA to the PRA and FCA — A Model in Continuous Reform

August 5, 2026Nobody Approved It. Everybody Uses It.

August 2, 2026IFRS 17 Beyond Compliance: Turning Data Into Strategy

August 2, 2026Parametric Insurance: Will Your Trigger Actually Pay?

August 2, 2026IAS 19: The Employee Benefit Liability Hidden Behind Payroll

August 2, 2026Is Your Pension Plan Sustainable? Why the Funding Ratio Is Not Enough

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Where to find us?

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