We are pleased to share this latest guest blog from Max Tiong Oon Choon, Head of Innovation at ICMIF member organisation NTUC Income (Income) in Singapore. The article was originally written by Max and shared on his LinkedIn page and it is reproduced here for the benefit of ICMIF members as a great example of the development process of a truly innovative product by a thriving social enterprise. The article is shared here with the kind permission of Income.