Subscription-Based Banking: A New Business Model for 2025
Introduction The membership economy has changed industries such as entertainment , retail and software. Platforms such as Netflix, Spotify and Amazon Prime have shown how powerful recurrent income models can be the income models when connected to individual services. Now this trend takes the road in financial services. Member -based bank appears as a disruptive model in 2025, and explains how consumers interact with banks and how banks structure revenue. Instead of traditional fees or hidden fees, customers pay a flat monthly membership for bundle financial services, openness and convenience. This article examines the term member -based bank, why this traction, benefits, challenges and future may look. What is a member -based bank? The member -based bank standard “per transaction” or “HIDDEN FEE” model replaces the model with a flat monthly or annual fee. For example, instead of paying ATM withdrawal fees, maintenance fees, covers or separate service fees, customers c...