Articles

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...

Board & Governance Crisis & Resilience Cybersecurity & Data Protection Data & Analytics Regulatory & Standards Risk & Compliance Strategy & Transformation

The Caribbean Cyber Hygiene Scorecard: Twenty-Five Items, Five Dimensions, One Quarterly Review

May 19, 2026by Dr Dawkins Brown

This is the closing article of Pillar 2 of the Caribbean Digital Foundations Series. Articles 2.1 through 2.5 built five operational disciplines: posture, access, data, continuity, and the third-party perimeter. This article produces the instrument that converts those five disciplines into a single composite measure the Caribbean SMB can actually track. The Caribbean Cyber Hygiene...

Board & Governance Crisis & Resilience Cybersecurity & Data Protection Data & Analytics IT & Digital Transformation

The Perimeter Is Not Where You Think It Is: Third Parties, External Lingerers, and What the Caribbean SMB Inherits from Its Suppliers

May 19, 2026by Dr Dawkins Brown

Pillar 2 has so far treated the firm as a closed system: its own posture, its own access, its own data, its own recovery. That treatment is editorially useful but operationally incomplete. In practice, the Caribbean SMB’s data sits on three or four cloud platforms it does not control, is processed by a dozen suppliers...

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...

Cybersecurity & Data Protection Data & Analytics Regulatory & Standards

Identity and Access Management for the Caribbean SMB

May 19, 2026by Dr Dawkins Brown

Article 2.1 of this series named four cybersecurity postures and asked every Caribbean board to choose one consciously. This article begins the substantive work of moving from any of the lesser postures toward Posture D — and starts where every meaningful improvement starts: with the question of who has access to what, how that gets...

Cybersecurity & Data Protection

The Caribbean Cybersecurity Posture: Beyond Antivirus

May 18, 2026by Dr Dawkins Brown

Pillar 1 of this series asked Caribbean boards to put their digital foundations in order. Pillar 2 begins from the assumption that they have, and asks the question that immediately follows: what is the firm actually defending those foundations against, and from what posture? “We have antivirus and the staff don’t open suspicious emails” is...

AI & Emerging Technology Board & Governance Corporate Finance & M&A Crisis & Resilience Cybersecurity & Data Protection Data & Analytics Dawgen Frameworks & Series Fraud & Forensics IT & Digital Transformation

From Personal Inbox to Professional Brand: A Migration Playbook for Caribbean Family Businesses

May 17, 2026by Dr Dawkins Brown

The first five articles in this series were largely diagnostic and prescriptive. This article — the final piece in the Foundations pillar — is neither. It is a migration playbook for the Caribbean family business that has been operating successfully for ten, twenty, or thirty years on a tangle of personal email, founder-controlled accounts, and...

Board & Governance Business Development & Entrepreneurship Corporate Finance & M&A Dawgen Frameworks & Series IT & Digital Transformation Risk & Compliance Strategy & Transformation

Email Authentication for the Caribbean Board: SPF, DKIM and DMARC Explained Without the Jargon

May 17, 2026by Dr Dawkins Brown

Article 1.2 of this series asked Caribbean boards whether they were running their business on personal email. This article is the technical follow-up that boards have largely been spared until now: three small entries in the firm’s domain settings — SPF, DKIM, and DMARC — that quietly decide whether the firm’s mailboxes can be impersonated....

Board & Governance Crisis & Resilience Cybersecurity & Data Protection Fraud & Forensics Risk & Compliance

Gmail Is Not a Strategy: The Professional Email Maturity Curve for Caribbean Firms

May 17, 2026by Dr Dawkins Brown

Across the Caribbean private sector, a remarkable number of serious businesses are still run from free personal email accounts. Each one is a quiet credibility tax, a slow leak of confidential information, and — under the Jamaican Data Protection Act 2020 — an unbounded legal exposure. This is the maturity curve every Caribbean board has...

Newer Posts

Older Posts

The Caribbean Cyber Hygiene Scorecard: Twenty-Five Items, Five Dimensions, One Quarterly Review

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

Identity and Access Management for the Caribbean SMB

The Caribbean Cybersecurity Posture: Beyond Antivirus

From Personal Inbox to Professional Brand: A Migration Playbook for Caribbean Family Businesses

Email Authentication for the Caribbean Board: SPF, DKIM and DMARC Explained Without the Jargon

Gmail Is Not a Strategy: The Professional Email Maturity Curve for Caribbean Firms

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