Cybercrime does not skip small businesses. It prefers them — and its favorite tool is not code. It is your trust, your busyness, and a Friday afternoon. The Problem, Lived “Michelle” runs a customs brokerage in Kingston — fourteen staff, twenty years of reputation, and a business that lives in its inbox: shipping documents,...
The Problem, Lived “Alicia” runs a catering and events company in St. John’s, Antigua, and her marketing history reads like a drawer of lottery tickets. A boosted post whenever bookings look thin — fifty dollars here, a hundred there, aimed at everyone. A radio spot last Christmas whose results she cannot name. A website...
The Caribbean is not one market. It is a chain of small ones — and regional expansion fails when it is treated as the same business at a new address The Problem, Lived “Danielle” makes natural skincare products in Kingston — a brand strong enough that a Trinidadian distributor sought her out at a regional...
The most expensive software in the world is the software that never gets used. Selection is a discipline — and the one party who cannot do it for you is the vendor The Problem, Lived “Trevor” runs a building-materials distribution business in Nassau, and somewhere in his office is a folder he cannot look...
Digital transformation is not a budget line reserved for big companies. It is a sequence of small, compounding decisions — and the most expensive mistake is buying technology before fixing process The Problem, Lived “Keisha” runs three bakery-cafés in Kingston, and her business runs on paper, memory and WhatsApp. Orders live in duplicate books; the...
The AML/CFT/CPF Guidelines are the backbone of the VASP regime. Here is what they require — from the institution-wide risk assessment to customer due diligence, monitoring, record-keeping and reporting to the FID. In short: of the three instruments in the FSC’s proposed VASP framework, the AML/CFT/CPF Guidelines carry the most weight — they...
From first contact with the FSC to a licence in hand, the application runs through predictable stages. Here is each step, how long it takes, and where applications stall. In short: the VASP licensing journey is not a single submission but a sequence — pre-application engagement, a formal application, a completeness review (proposed at...
The business plan is where the FSC decides whether your VASP is viable, well-governed and safe to license. Here is what the regulator is really looking for, a structure that works, and the mistakes that trigger delay. In short: a VASP licence application stands or falls on its business plan. The FSC does not...
Two of the biggest market-entry hurdles for a VASP licence are money and presence — enough well-documented capital, and genuine local substance. Here is what the FSC requires, and how to prepare for both without stumbling. In short: every VASP applicant must hold at least J$16 million in paid-up capital — the same floor...
Jamaica’s Financial Services Commission has opened its proposed VASP licensing regime for public comment. Here is what is on the table, how to respond, and the road from consultation to a live licence. In short: the FSC published its proposed VASP licensing framework for public consultation on 10 June 2026, with comments due by...
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