Start Where the Cost Is Countable Why the back office is the fastest route from AI to EBIT — and how to choose the first three workflows to redesign When a Caribbean board first approves money for AI, it is usually spent where AI is most visible: a customer chatbot, a marketing content tool, a...
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...
The lowest substantive grade in the Jamaican public service pays about US$6,200 a year. In Barbados the equivalent post pays about US$12,900. In the Cayman Islands it pays about US$43,200. Seven times the Jamaican figure, for work that is recognisably the same work — cleaning, portering, general duties — in three public services that share...
Article 4 walked through the interior of the segregated accounts company — the linking, the recourse rules, the priority ladder. This article stands at the front door. Becoming a segregated accounts company (SAC) is not a box ticked on an incorporation form; it is a supervised admission, designed by the regional model on which...
The first three articles in this series established why Jamaica’s Segregated Accounts Companies Act, 2024 matters: it converts asset segregation from a contractual promise into a property of the law, drawing on a quarter-century of Caribbean cell-company practice. This article — the first of the series’ second arc, on the rules themselves — moves...
New legal vehicles usually arrive as strangers. Jamaica’s segregated accounts company (SAC) arrives as family. The SAC that entered Jamaican law in 2024 is the newest member of a lineage that runs back a quarter-century through Nassau and Hamilton to the captive insurance boards of the mid-1990s — a lineage in which every major...
The chain will always out-spend you. It does not have to out-know you — and in a local market, knowing is the higher ground. The Problem, Lived “Rohan” has run a supermarket in Georgetown for sixteen years — two floors, forty staff, a name his parish trusts. Four months ago, a regional chain announced...
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...
Executive Summary The global venture capital industry is undergoing a structural reset. Venture-backed companies are staying private for longer, exits are slowing, liquidity is becoming harder to achieve, secondary markets are emerging as an important private-market tool, and artificial intelligence is reshaping how companies are built, valued, funded, and scaled. For the Caribbean, the lesson...
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...
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