The world has been on a significant interest rate hike cycle in the last year and it doesn't look like it's going to end anytime soon. South Africa has experienced six interest rate hikes in 2022 alone, with the last one hitting us by 75 basis points on the 24th of November. As a result, consumers view credit as the only option when it comes to purchasing  some big items, and this leaves them trapped in a never-ending debt cycle.  However,  there is apparently another solution to mitigate all this; Subscription. Subscription pricing does not change regardless of interest rate hikes or global conditions. To explain how this works, we spoke to Mishaan Ratan, Co-founder of the on-demand subscription platform, Rentoza.