If you offer a product for people in economically precarious situations with the idea that consumption of your product will improve their situation and yay all good all around, you may be building a transitional product. Transitional products are tricky.
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Another way of possibly expanding the VDC is to branch them into other products that are similar but not in the same vertical that have a higher difficulty for approval like car and home loans etc. Like a graduation program for financial stability which is our approach @reblcards
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