Advisory & Consulting

Predictive Underwriting in the Caribbean: Pharmacy Data, Mortality Models, and the Future of Life Pricing

May 20, 2026by Dr Dawkins Brown

What pharmacy claims, electronic health records, and behavioural data can tell underwriters that medical questionnaires never could — and why the Caribbean is closer to building these models than most boards realise Three years ago, the dominant question in U.S. life insurance underwriting was how to accelerate decisions without losing underwriting quality. The answer,...

Actuarial Services Financial Services Pricing & Commercial Excellence Risk & Compliance

Why Caribbean Group Life Pricing Is About to Break — And What Insurers Can Do Now

May 20, 2026by Dr Dawkins Brown

How a decade of below-cost group life pricing built a structural vulnerability across the region — and the five-step repricing protocol that recovers it Three converging forces — pandemic-era mortality reset, accelerating non-communicable disease prevalence, and a decade of competitive pricing that ignored the underlying experience signals — have left Caribbean group life insurers carrying...

Advisory & Consulting Caribbean Business Cybersecurity & Data Protection Data & Analytics Regulatory & Standards Risk & Compliance

Data Protection in Operational Practice: What the Data Protection Act 2020 Actually Requires

May 19, 2026by Dr Dawkins Brown

The Jamaican Data Protection Act 2020 has been in force since the end of its transition period. Every Caribbean firm reading this article is either subject to it directly, subject to a comparable regional act, or doing business with parties that are. This article does not summarise the legislation — there are competent legal summaries...

Advisory & Consulting AI & Emerging Technology Cybersecurity & Data Protection IT & Digital Transformation Regulatory & Standards Risk & Compliance Strategy & Transformation

The Bill That Changes Everything: Inside the U.S. CLARITY Act and the Triad That Will Reshape Caribbean Capital Markets

May 12, 2026by Dr Dawkins Brown

On Thursday morning, in a hearing room in Washington, the United States Senate Banking Committee will mark up a 309-page Bill that almost no one in the Caribbean is talking about. By Friday morning, the financial architecture that will govern the next decade of global capital formation will look meaningfully different. This article explains what...

Accounting & BPO Advisory & Consulting Board & Governance Caribbean Business Corporate Finance & M&A Strategy & Transformation

Secondary Markets and Private Company Liquidity: A Future Opportunity for the Caribbean

May 12, 2026by Dr Dawkins Brown

Executive Summary Private companies across the Caribbean often represent substantial economic value, but that value is frequently locked inside illiquid ownership structures. Founders, early investors, family shareholders, employees, and private capital providers may hold interests in growing businesses for many years without a clear pathway to realize part of that value. Globally, this liquidity challenge...

Advisory & Consulting Board & Governance Business Development & Entrepreneurship Caribbean Business Corporate Finance & M&A Crisis & Resilience Data & Analytics Marketing & Brand Strategy & Transformation

Anchored Expectations: How Caribbean Entrepreneurs Should Read the New Monetary Landscape

May 10, 2026by Dr Dawkins Brown

In Article 6 of this series, I argued that the capital structure which worked in 2021 will not work in 2026 — and that the refinance, the hedge, and the equity raise belong on the next board agenda. This week, the series turns to a less visible but equally consequential question: what does it mean...

Accounting & BPO Advisory & Consulting Board & Governance Business Development & Entrepreneurship Corporate Finance & M&A Crisis & Resilience Data & Analytics Economy & Markets Marketing & Brand Real Estate & Construction Strategy & Transformation Tax

Higher for Longer: Refinancing, Maturity Management, and the New Mathematics of Caribbean Debt

May 10, 2026by Dr Dawkins Brown

In Article 5 of this series, I argued that Caribbean firms which pre-position their balance sheets for the next risk-off episode will gain market share from those that do not. This week, the series turns to the structural condition that makes that pre-positioning so consequential — the most important shift in the cost of capital...

Advisory & Consulting Board & Governance Cybersecurity & Data Protection Data & Analytics Leadership & Careers Strategy & Transformation

When Global Risk Turns: Stress-Testing the Caribbean Balance Sheet

May 10, 2026by Dr Dawkins Brown

In Article 4 of this series, I argued that the critical-minerals window is the most consequential capital-allocation opportunity opening for our region. This week, the series turns to the dynamic that determines whether Caribbean firms can hold and compound the value they capture from such opportunities — or whether they lose it back, painfully and...

Advisory & Consulting Board & Governance Corporate Finance & M&A Crisis & Resilience Data & Analytics Energy & Utilities ESG & Sustainability Strategy & Transformation

Critical Minerals, Critical Choices: What Caribbean Boards Must Decide Now

May 10, 2026by Dr Dawkins Brown

In Article 3 of this series, I argued that the Caribbean firms that will compound earnings over the next decade are the ones rebuilding their workforce around AI fluency. This week, the series turns from the internal to the external — from talent and productivity to the most important structural opportunity now opening in front...

Advisory & Consulting Board & Governance Caribbean Business Corporate Finance & M&A Crisis & Resilience Data & Analytics Strategy & Transformation

The Productivity Imperative: Why Caribbean Firms Cannot Grow Through Headcount Anymore

May 10, 2026by Dr Dawkins Brown

Last week, in the opening article of this series, I argued that the Caribbean has built genuine resilience but is operating with thinning buffers. Several readers wrote to me afterwards with a related question: where, exactly, will Caribbean growth come from in the next decade if the macro tailwinds keep fading? The answer is in...

Newer Posts

Older Posts

Data Protection in Operational Practice: What the Data Protection Act 2020 Actually Requires

The Bill That Changes Everything: Inside the U.S. CLARITY Act and the Triad That Will Reshape Caribbean Capital Markets

Anchored Expectations: How Caribbean Entrepreneurs Should Read the New Monetary Landscape

Higher for Longer: Refinancing, Maturity Management, and the New Mathematics of Caribbean Debt

When Global Risk Turns: Stress-Testing the Caribbean Balance Sheet

The Productivity Imperative: Why Caribbean Firms Cannot Grow Through Headcount Anymore

Where to find us?

Dawgen Social links

Stay ahead of Caribbean business