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Time Saved Is Not Money Saved: How to Turn AI Productivity Into Business Profits

October 24, 2026by Dr Dawkins Brown

Why the hours AI frees rarely reach the accounts — and the four routes that carry them there Every AI business case in the Caribbean now contains the same sentence. This tool will save our team so many hours a week. The number is usually true. The finance officer really does draft the variance commentary...

Accounting & BPO Advisory & Consulting AI & Emerging Technology Board & Governance IT & Digital Transformation

When Advertising, SaaS and Royalties Cross a Border

October 3, 2026by Dr Dawkins Brown

One foreign software invoice can carry two Jamaican taxes at once: withholding on the payment and General Consumption Tax on the import. Which applies, and at what rate, turns on a classification most finance teams never write down. Executive summary Caribbean businesses now pay foreign vendors for software as a service (SaaS), cloud hosting, online...

Advisory & Consulting Corporate Finance & M&A Dawgen Frameworks & Series Financial Services

Your Banker Already Knows Your Net Debt to EBITDA. Do You?

September 27, 2026by Dr Dawkins Brown

IN BRIEF Before a lender meets a borrower, it has usually already calculated three numbers: how many years of earnings the debt represents, how many times earnings cover the interest, and how comfortably the cash the business generates covers every payment due. Most chief executives walk into the meeting without knowing any of them....

Accounting & BPO Advisory & Consulting Corporate Finance & M&A Strategy & Transformation

Profit Is an Opinion. EBITA Is a Discipline: Why Caribbean CEOs Must Read Ratios, Not Just Results

September 25, 2026by Dr Dawkins Brown

Why Caribbean CEOs Must Read Ratios, Not Just Results IN BRIEF Net profit is the number most Caribbean chief executives manage to, and it is the number lenders, investors and buyers trust least. They judge a business on a handful of ratios built on two measures of operating earnings: EBITDA (earnings before interest, tax,...

Accounting & BPO Advisory & Consulting Caribbean Business Corporate Finance & M&A Crisis & Resilience

What actually happens on day one.

September 20, 2026by Dr Dawkins Brown

Owners expect a transition to be a technology event. It is not. The first day is about custody, authority and cut-off — and the handovers that fail almost never fail at the ledger. IN SHORT Day one establishes three things and nothing else matters until they exist: who may approve what, from what date the...

Advisory & Consulting Corporate Finance & M&A Crisis & Resilience

Not Everything on the Balance Sheet Is Security

September 7, 2026by Dr Dawkins Brown

A company with two billion dollars of assets can discover it has seven hundred million of security. The gap is not an accounting error. It is five questions nobody asked. The Endurance Capital Series, Part Four · The Dawgen Endurance Capital Framework™ An owner sits down to list what his company owns, because he...

Advisory & Consulting Board & Governance Corporate Finance & M&A Crisis & Resilience Risk & Compliance Strategy & Transformation

Everything That Left the Business

September 6, 2026by Dr Dawkins Brown

A company can cut its dividend by three quarters and still be extracting more than the year before. One number catches it. The covenants in most instruments do not. The Endurance Capital Series, Part Two · The Dawgen Endurance Capital Framework™ A board meets to approve the accounts. The finance director reports that in a...

Advisory & Consulting Corporate Finance & M&A Crisis & Resilience Strategy & Transformation

A Seven-Year Loan Against a Thirty-Year Asset

September 6, 2026by Dr Dawkins Brown

Caribbean enterprises are not failing because they are unprofitable. They are failing because of how they were financed — and the structure that fixes it already exists. Introducing The Dawgen Endurance Capital Framework™ There is a conversation that takes place in this region more often than anyone would like to admit, and it always...

Advisory & Consulting Corporate Finance & M&A IT & Digital Transformation

Invoices that send themselves, and chase themselves.

September 4, 2026by Dr Dawkins Brown

Automating invoicing and receivables collection Days sales outstanding is discussed as a measure of customer behaviour. For most businesses it is mostly a measure of their own delays. This article sets out the four intervals you control, what each day of them is worth in cash, and why a gentle unfailing schedule protects relationships...

Accounting & BPO Advisory & Consulting Corporate Finance & M&A

What a finance function is supposed to produce, and how often.

September 2, 2026by Dr Dawkins Brown

What should a finance department deliver monthly? Finance is the only function in most businesses with no defined output. This article sets out the full schedule — daily, weekly, monthly, quarterly and annual — with what each item is for, and the reader test that removes everything on the list which nobody actually uses. IN...

Older Posts

Time Saved Is Not Money Saved: How to Turn AI Productivity Into Business Profits

Your Banker Already Knows Your Net Debt to EBITDA. Do You?

Profit Is an Opinion. EBITA Is a Discipline: Why Caribbean CEOs Must Read Ratios, Not Just Results

Not Everything on the Balance Sheet Is Security

A Seven-Year Loan Against a Thirty-Year Asset

What a finance function is supposed to produce, and how often.

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