"When I first came out of university a million years ago, everybody was like, why build something here? Just take what's in Europe, lift and shift. That has been the approach of most of the organizations in the Caribbean."
A cheque written on one branch of a commercial bank takes four working days to clear at another branch of the same bank. Cheques between two different banks take longer.
Regardless of the geography, the size of the country, the size of the government, and the level of development, governments are designed to work in a fragmented way by default.