The automation of primary industries, such as agriculture, happened over many generations; the automation of secondary industry happened within one or two generations, and neither process is yet complete. However, the next wave of automation could replace most existing jobs within just one or two decades. 

Public sector workers are likely to face "further postponement of their living standard dividends" while they are expected to show enthusiasm for overall fiscal reforms.

 Vision 2030 Jamaica can be achieved if both the private and public sectors embrace digital transformation in meaningful ways.

 Joseph Schumpeter’s description of the capitalist process of innovation and renewal as “creative destruction” has become an interesting catchphrase for the incredible information and communications technologies innovations that have transformed and are revolutionizing organisations which have engaged digital technologies and talent across the business to drive new and value-engendering business models in order to renovate and invigorate their business processes

Unleashing the power of the stock market will drive wealth creation by funding ventures that local banks are not inclined to support adequately.

This article discusses the business models of two mutual firms in Jamaica with a view towards answering one critical question: What strategy should Jamaican mutual firms adopt to avert or reverse declining financial health? Observations span a period of nine years to obtain a long-term picture of financial performance. The firms examined are the Community & Workers of Jamaica Cooperative Credit Union Ltd. (C&WJ) and the Jamaica National Building Society (JNBS).