iCare Benefits gets often termed as unfair competition and a disrupter to the traditional retail sector. Competitors complain that our model is not sustainable long-term and that the damage it creates short-term might be irreversible.

We obviously disagree. Not only have we proved we are a sustainable business, we have shown that it is possible for the retail market to cater to low-income clients if the financing cost of the product is transferred from the customer to the supplier. Our customers get access to a long-term, viable purchase plan to allow them to accumulate necessary, everyday products for themselves and their families. We have disrupted our industry by leveraging its own vulnerabilities: not helping the largest part of the customer base.

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Full post on HBR.com

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