Get a clear, practical overview of the subscription revenue model, including benefits, challenges, and tips for building steady, recurring income.

Think about the services you pay for every month without a second thought—your streaming accounts, your software tools, maybe even your coffee delivery. These companies have successfully implemented a subscription revenue model, turning you from a one-time buyer into a source of predictable, recurring income. This isn't a trend reserved for tech giants; it's a powerful strategy that businesses across many industries are using to stabilize cash flow and increase customer lifetime value. This article breaks down how this model works, the different types you can choose from, and the key benefits and challenges you should consider before making the switch.
If you’ve ever signed up for Netflix, a meal-kit box, or a software tool, you’re already familiar with the subscription revenue model. At its core, this model is about shifting from one-time sales to a system where customers pay a recurring fee—usually weekly, monthly, or annually—for ongoing access to a product or service.
This approach transforms unpredictable, single purchases into a steady stream of recurring revenue. Instead of constantly chasing new customers for one-off transactions, businesses can focus on building lasting relationships with the ones they already have. It’s a fundamental change that prioritizes long-term value over short-term sales, creating a more stable and predictable financial foundation for your company.
Subscription billing is a straightforward process for the customer but requires careful management on the business side. It starts when a customer chooses a plan and agrees to pay on a regular schedule. Their payment information is securely stored, and they are automatically charged at the start of each new billing cycle, whether that’s every month or every year.
This automated cycle is what generates subscription revenue—the income a company earns from these regular payments. While it sounds simple, managing thousands of these cycles, handling different plans, and recognizing that revenue correctly can get complicated fast. The key is to have a system that can handle these recurring transactions smoothly, ensuring a seamless experience for your customers and accurate financial records for your business.
So, why is this model becoming so popular? The biggest draw is financial predictability. Knowing how much money is coming in each month makes it much easier to budget, forecast, and plan for growth. This stability allows you to invest in improving your product or service instead of pouring all your resources into acquiring new customers.
Beyond the numbers, subscriptions help you build stronger, more direct relationships with your customers. You get continuous feedback and data, which you can use to refine your offerings and create a better experience. With a reliable income stream and a loyal customer base, you have more freedom to innovate, test new ideas, and find new ways to serve your audience. It’s a powerful model for building a resilient and customer-focused business.
Choosing the right subscription model is a lot like picking the right tool for a job—what works for one business might not work for another. The best approach depends entirely on your product, your customers, and what you’re trying to achieve. A simple, one-size-fits-all plan might be perfect for a straightforward service, while a more complex product could benefit from flexible, tiered options. The goal is to find a structure that delivers value to your customers while creating a predictable revenue stream for you.
Getting this right from the start makes everything downstream easier, from marketing your service to recognizing revenue correctly. As you grow, your model also needs to be able to scale with you. Let’s walk through some of the most common subscription models to help you find the perfect fit for your business.
This is the simplest model of all: one product, one set of features, one price. Think of it as the "all-you-can-eat" buffet of subscriptions. Customers pay a single fixed fee, usually monthly or annually, and get access to everything you offer. This approach is incredibly straightforward, making it easy for customers to understand and simple for you to manage.
The beauty of the flat-rate model is its predictability. You know exactly how much revenue each customer brings in, which simplifies financial forecasting. However, its main drawback is that you can’t cater to different types of customers. A small startup and a massive enterprise pay the same price, which means you might be leaving money on the table with your larger clients.
The tiered model is one of the most popular choices, especially for SaaS companies. It involves offering several different packages at various price points. Typically, you’ll see options like Basic, Standard, and Premium, with each tier providing more features, higher usage limits, or better support. This structure allows you to serve a wider audience, from individuals and small businesses to large enterprises.
A well-designed tiered system creates a clear path for customers to upgrade as their needs grow. It lets you capture more value from customers who require more from your service. The key is to make sure your tiers are distinct and clearly communicate the value of each level. You can see how we structure our own pricing information to cater to different business needs.
The freemium model works by offering a basic version of your product completely free of charge, with the option to upgrade to a paid plan for advanced features. This is a powerful strategy for customer acquisition because it removes the price barrier, allowing people to try your service without any commitment. Companies like Spotify and Dropbox have used this model to build massive user bases.
The challenge, however, is converting those free users into paying customers. You have to provide enough value in the free version to get people hooked, but hold back enough premium features to make the upgrade compelling. It can also be costly to support a large number of free users who may never convert, so you’ll need to monitor your metrics carefully.
With a usage-based model, customers only pay for what they consume. This is sometimes called the "pay-as-you-go" model and is common for services like cloud computing platforms or data providers. The price is directly tied to consumption—the more a customer uses, the more they pay. This feels fair to customers, as their bill directly reflects the value they received.
This model can be great for aligning cost with value, but it makes revenue less predictable. A customer’s bill can fluctuate significantly from month to month, which can be a challenge for both their budgeting and your financial forecasting. This variability also adds complexity to your revenue recognition process, a topic we cover in our Insights blog.
The per-user model is exactly what it sounds like: you charge a flat rate for each person on a team who uses the service. This is a go-to pricing strategy for many B2B SaaS products, like project management tools or CRMs, where the value increases as more team members get on board. It’s simple for customers to understand—if they want to add a new team member, they just pay for another seat.
This model makes revenue predictable and scalable. As your customer’s company grows, so does your revenue. The downside is that it can discourage wider adoption within an organization, as companies might try to limit costs by sharing logins among multiple employees.
Switching to a subscription model is more than just a pricing change; it’s a fundamental shift in how you approach your business. Instead of focusing on one-time transactions, you build a foundation for long-term growth, stability, and deeper customer connections. This model offers a powerful way to create a more resilient and predictable business, which is why so many companies are making the move. The benefits ripple through every part of your operations, from financial planning and customer service to product development. By creating a steady, reliable revenue stream, you can move from simply reacting to the market to strategically planning your next move with confidence. It allows you to invest in your product and your team, knowing you have a solid financial base. This isn't just about getting paid regularly; it's about transforming your entire business dynamic into one that prioritizes ongoing value and customer satisfaction. When your success is directly tied to your customers' continued happiness, your goals become perfectly aligned. This creates a powerful incentive to consistently deliver an excellent experience, which in turn fuels loyalty and reduces churn. Let’s look at the specific advantages that make this model so appealing for modern businesses.
The most significant advantage of a subscription model is the shift from unpredictable, one-time sales to a steady, recurring income. This consistency is a game-changer for financial forecasting and strategic planning. When you know how much revenue to expect each month, you can make smarter decisions about hiring, inventory, and marketing spend. This model helps you build stronger, more durable relationships with your customers because the focus moves from a single transaction to ongoing value. As noted by Stripe, this approach helps businesses build strong, long-lasting relationships with their customers, creating a loyal base that supports sustainable growth.
It almost always costs less to keep an existing customer than to acquire a new one. Subscription models are designed for retention. Once a customer subscribes, they are more likely to continue buying from you, which directly increases their Customer Lifetime Value (CLTV). Instead of constantly spending on acquisition campaigns to fill a leaky bucket, you can focus on delivering an excellent experience that keeps your current subscribers happy. This creates a positive cycle: satisfied customers stick around longer, spend more over time, and are more likely to refer new business, giving you a much higher return on your initial acquisition cost.
Consistent revenue leads directly to stable cash flow, which is the lifeblood of any business. With a subscription model, you have a clear picture of the money coming in each month, which removes much of the financial guesswork. This stability allows you to manage your expenses, pay your team, and invest in growth without the stress of a feast-or-famine sales cycle. Knowing your baseline income helps you plan your budget effectively and make confident, long-term investments in your company’s future. It provides the financial security needed to weather slow periods and seize new opportunities.
Subscriptions create an ongoing dialogue with your customers. Unlike a one-time purchase, this model gives you continuous touchpoints to engage your audience, gather feedback, and build a real community. This direct line of communication is invaluable. You can learn exactly what your customers love about your service and where you can improve. This feedback loop not only helps you refine your offering but also makes customers feel heard and valued, strengthening their loyalty to your brand. You’re not just a faceless company; you’re a trusted partner in their success or enjoyment.
Every interaction a subscriber has with your service generates valuable data. By analyzing how customers use your product, you can uncover powerful insights into their needs and behaviors. This information allows you to personalize their experience and identify clear opportunities for upselling or cross-selling. For example, you might notice a segment of users who would benefit from a higher-tier plan or an add-on feature. With the right data integrations, you can use these insights to make targeted offers that provide more value to the customer and generate more revenue for your business.
Switching to a subscription model can feel like a golden ticket to predictable revenue, but it’s not a set-it-and-forget-it solution. While the benefits are significant, this model comes with its own set of challenges that require constant attention and a smart strategy. From keeping customers happy month after month to setting the right price, there are a few key areas where things can get tricky.
Think of these challenges not as roadblocks, but as guideposts that help you build a more resilient and customer-focused business. Getting ahead of them means you’re better prepared to create a subscription service that doesn’t just attract customers, but keeps them for the long haul. Let’s walk through what you need to keep on your radar.
While predictable income is a huge plus, it’s only predictable as long as your customers stick around. With subscriptions, customers can cancel at any time, making customer churn a constant threat to your revenue stream. A high churn rate can quickly erase your growth and put a serious strain on your finances.
The best way to counter this is by focusing on what happens after the sale. You need to continuously prove your value and build strong customer relationships. This means keeping your product or service fresh with updates, offering stellar customer support, and actively listening to feedback. Your goal is to make your subscription so essential that customers can’t imagine their lives without it.
Setting the right price for your subscription is both an art and a science. Price it too high, and you might scare away potential customers. Price it too low, and you could leave money on the table or devalue your offering. If you offer multiple options, you also run the risk of lower-priced tiers taking sales away from your more profitable ones.
To find the sweet spot, you need a deep understanding of your customers and the specific value you provide to each segment. Whether you choose a flat-rate, tiered, or usage-based model, your pricing should align with the value customers receive. Don’t be afraid to test and adjust your pricing as you learn more about your customers’ needs and willingness to pay.
One of the biggest draws of the subscription model is its stability. It’s generally less vulnerable to seasonal dips compared to one-time purchase models. However, it’s not completely immune to broader market and economic changes. When budgets get tight during an economic downturn, subscriptions are often one of the first things households and businesses cut.
Your challenge is to position your service as a must-have, not a nice-to-have. This goes back to demonstrating undeniable value. Businesses that build strong partnerships and become deeply integrated into their customers' routines are better equipped to weather economic uncertainty. Always have a pulse on the market so you can adapt your offerings or messaging when conditions change.
Let’s be honest: some people just don’t like commitment. The idea of being locked into a recurring payment can make potential customers hesitate, especially if they’ve had a bad experience with another service. This "subscription fatigue" is a real hurdle you’ll need to clear. It’s your job to overcome any negative perceptions by being transparent and flexible.
Clearly communicate the ongoing value and benefits customers get by subscribing. Make your terms clear and your cancellation process simple—hiding the "unsubscribe" button only creates frustration and damages your brand. By showing customers that you’re providing consistent, tangible value for their money, you can build the trust needed to turn skeptics into loyal subscribers.
The subscription model has popped up everywhere, but it truly shines in industries where businesses can offer continuous value. Think about services that provide ongoing access, regular deliveries, or constantly updated content. These are the areas where customers are happy to pay a recurring fee because they’re getting something in return month after month.
From software to streaming, the subscription economy has transformed how we consume products and services. It’s a powerful shift that has created new opportunities for businesses to build lasting relationships with their customers. Let's look at a few of the industries that have mastered this model and see what makes them such a perfect fit. Understanding these examples can help you see if a subscription approach could work for your own business.
SaaS is the classic example of the subscription model in action. Instead of buying a software license outright for a hefty one-time fee, customers pay a recurring fee—usually monthly or annually—for access to the software. This approach is a win-win: customers get continuous updates, support, and lower upfront costs, while businesses secure a steady stream of predictable revenue. Companies like Salesforce and Adobe pioneered this, proving that ongoing access to powerful tools is something businesses are more than willing to pay for regularly. It’s a model built on delivering consistent value and evolving with customer needs.
Remember buying CDs or DVDs? The media industry has completely shifted thanks to subscriptions. Companies like Netflix and Spotify offer massive libraries of content for a flat monthly fee. This model works because it trades ownership for access. Customers don't need to own every movie or album; they just want to watch or listen whenever they feel like it. This provides incredible convenience and variety that a-la-carte purchasing can't match. For creators and distributors, it turns one-time buyers into long-term, loyal subscribers who generate consistent income.
Subscription boxes have carved out a fun and profitable niche by delivering curated products right to a customer's door. Whether it's beauty samples from Birchbox, meal kits from HelloFresh, or snacks from Graze, these services tap into the excitement of discovery and personalization. Customers love the convenience and the feeling of receiving a personalized gift each month. For businesses, this model is great for building a loyal community and creating a direct-to-consumer channel with reliable, repeating sales. It’s a fantastic way to turn a physical product into a recurring service.
The world of learning has also embraced subscriptions. Platforms like Coursera and Skillshare offer unlimited access to a wide range of courses for a recurring fee. This model makes education more accessible and flexible, allowing people to learn at their own pace without the commitment of a traditional degree program. The value is ongoing; there's always a new skill to learn or a new topic to explore. This keeps subscribers engaged and provides a stable revenue base for the platforms, allowing them to continually add new content and instructors.
The health and wellness industry is a natural fit for subscriptions. Think about your gym membership—that’s a classic subscription. But the model has expanded into the digital realm with apps like Peloton and Calm, which offer access to workout classes, meditation guides, and wellness content for a monthly fee. Since health is an ongoing journey, not a one-time goal, customers are often looking for continuous support and motivation. Subscriptions provide exactly that, creating a framework for long-term engagement and helping businesses build strong, supportive communities around their services.
You’ve worked hard to get customers in the door, but in a subscription model, that’s just the beginning. The real challenge—and where long-term success lies—is keeping them. Customer churn, or the rate at which subscribers cancel, is a constant threat. If you’re losing customers as fast as you’re gaining them, you’re stuck on a treadmill, working hard just to stay in the same place. Reducing churn is one of the most effective ways to grow your business sustainably.
Happy, long-term customers don't just provide predictable revenue; they become your best advocates. They're more likely to try new products, forgive occasional mistakes, and refer others to your service. Focusing on retention means you're not just plugging a leak in a bucket; you're building a stronger, more resilient business. The following strategies are practical, actionable steps you can take to make your customers feel valued and give them every reason to stick around for the long haul.
First impressions matter, especially when a new customer is deciding if your service is worth their recurring payment. A clunky or confusing start is a fast track to cancellation. Your goal is to make the onboarding process—how new customers start using your service—as smooth and intuitive as possible. Think of it as rolling out the welcome mat and showing them exactly how to get the most value from their subscription right away.
You can achieve this with a welcome email series, in-app tutorials, or easy-to-follow guides and videos. Don’t assume users will figure it out on their own. Proactively guide them to that "aha!" moment where they see the true benefit of your service. A strong start builds confidence and sets the foundation for a lasting customer relationship.
Once a customer is successfully onboarded, your work isn’t done. The key to retention is ensuring they continue to get great value and service. The best way to do this is to talk to your customers often to understand what they need and personalize their experience accordingly. Generic, one-size-fits-all communication can make customers feel like just another number. Personalization shows you’re paying attention.
Use the data you have to tailor recommendations, send relevant content, or highlight features they might find useful based on their behavior. HubiFi’s dynamic segmentation capabilities allow businesses to group customers based on specific criteria, making it easier to deliver these targeted experiences. When customers feel understood, they’re far more likely to stay engaged and loyal.
Everyone likes to feel appreciated. Rewarding your long-term customers is a powerful way to show them you value their business and encourage them to stay. A loyalty program doesn’t have to be complicated. It can be as simple as offering an anniversary discount, providing early access to new features, or creating exclusive content for your most dedicated subscribers.
These programs give customers a tangible incentive to remain with your service. By creating loyalty programs, you’re not just thanking customers for their business; you’re building a community and giving them a reason to choose you over a competitor. It’s a simple gesture that can have a significant impact on your retention rates.
Reducing churn isn't a one-time fix; it's an ongoing process of listening, learning, and adapting. You should constantly watch your churn rate and actively work to reduce it. Pay close attention to customer feedback, whether it comes from surveys, support tickets, or online reviews. This feedback is a goldmine of information that can tell you exactly what you need to improve.
The effort is well worth it. Research shows that improving customer retention by just 1% can increase profits by more than 6%. Use data to identify patterns in why customers leave and address those issues head-on. By committing to continuous improvement, you not only fix problems for existing customers but also create a better, more valuable service for everyone.
Running a subscription business without tracking key metrics is like driving a car without a dashboard. You might be moving, but you have no idea how fast you're going, how much fuel you have left, or if the engine is about to overheat. The numbers tell the story of your company’s health, showing you what’s working and what needs your immediate attention. Getting a handle on these metrics is the first step toward making smarter, data-driven decisions that lead to sustainable growth.
Think of these metrics as falling into three main categories: growth, profitability, and customer loyalty. Your growth metrics tell you if you're expanding, your profitability metrics show if that growth is sustainable, and your loyalty metrics reveal how happy your customers are. By monitoring a few key performance indicators (KPIs) in each area, you can get a clear, comprehensive picture of your business performance. For more on financial operations, you can find helpful insights on our blog.
Your recurring revenue is the lifeblood of your subscription business, and the two most important metrics to track here are Monthly Recurring Revenue (MRR) and Annual Recurring Revenue (ARR). MRR is the predictable revenue your business can expect to bring in every month from all your active subscriptions. It’s a powerful indicator of your company’s short-term health and momentum.
ARR is simply your MRR multiplied by 12. It annualizes your monthly revenue, giving you a broader, year-over-year perspective on your company’s growth and financial trajectory. Together, MRR and ARR provide a clear view of your top-line growth, helping you forecast future revenue and plan your budget with confidence. They are the foundational metrics for any subscription company.
While growing your revenue is exciting, it’s only half the story. You also need to know if that growth is profitable. That’s where Customer Acquisition Cost (CAC) and Customer Lifetime Value (CLTV) come in. CAC is the total cost of sales and marketing efforts needed to acquire a single new customer. It includes everything from ad spend to sales commissions.
CLTV, on the other hand, is the total revenue you can reasonably expect from a single customer throughout their entire relationship with your company. The magic happens when you compare these two metrics. For a healthy, sustainable business, your CLTV should be significantly higher than your CAC. If you’re spending more to acquire customers than they’re worth, your business model needs a second look.
Acquiring new customers is important, but keeping the ones you have is just as critical. Churn rate measures the percentage of subscribers who cancel their service within a specific time frame. Think of it as a leak in your revenue bucket—the higher the churn, the faster your revenue is draining out. It’s a direct reflection of customer satisfaction and product value.
The opposite of churn is your customer retention rate, which is the percentage of customers who remain subscribed over a period. A high retention rate is a strong signal that your customers are happy and find ongoing value in your service. Focusing on improving customer satisfaction is one of the most effective ways to plug the leaks in your bucket, reduce churn, and build a more stable business.
When you’re running a subscription business, accounting isn't as simple as tracking cash in and cash out. Because you receive payments upfront for services delivered over time, you have to recognize that revenue gradually. This is a critical part of financial reporting that keeps your books accurate and compliant, especially as you grow. Let's break down what this means for you.
The main rulebook for revenue recognition is ASC 606. The core principle is that you should recognize revenue when you transfer control of a service to your customer—in other words, when you earn it. For subscription businesses, this means identifying your performance obligations, which are the distinct promises you make to your customers in a contract. You then have to allocate a portion of the transaction price to each one. This requires a consistent, controlled method to ensure your financial statements accurately reflect the value you're delivering over the subscription term.
Trying to manage ASC 606 with spreadsheets is a recipe for headaches and human error. As your business scales, the complexity of tracking different subscription terms, upgrades, and prorated charges becomes overwhelming. An automated revenue recognition solution handles this complexity for you. The ASC 606 5-Step Model provides a clear framework for compliance, and automation ensures each step is managed accurately and efficiently. This not only saves countless hours but also reduces the risk of costly mistakes that could surface during an audit.
Proper revenue recognition has a direct impact on your company's financial story. It’s not just about revenue; it applies to associated costs, too. For example, if you pay a salesperson a $1,200 commission for signing up a new annual subscriber, you can't expense that entire cost in the first month. Instead, that cost should be capitalized and recognized at $100 per month over the year. This approach to financial reporting provides a much truer picture of your company's profitability from month to month.
Managing a subscription business on spreadsheets is like trying to build a house with a single screwdriver—it might work for a tiny shed, but it's a recipe for disaster when you start scaling. As your customer base grows, so does the complexity. You're dealing with different billing cycles, prorated charges, upgrades, downgrades, and the intricate rules of revenue recognition. Manually tracking all of this is not just time-consuming; it’s a huge risk for errors that can lead to inaccurate financial statements and poor business decisions.
This is where automation comes in. Instead of getting bogged down in manual data entry and complex calculations, you can use specialized software to handle the financial operations of your subscription model. The right technology acts as the central nervous system for your revenue data, pulling information from different sources, applying the correct accounting rules, and generating the reports you need to see what’s really going on. This frees you and your team to focus on what truly matters: growing the business, improving your product, and keeping your customers happy. Think of it as hiring a brilliant, tireless financial assistant who never makes a mistake.
Your business already runs on a set of tools you know and trust, whether it's Salesforce for your customer relationships or QuickBooks for your general ledger. The last thing you want is another piece of software that operates in a silo. A powerful revenue management platform should connect directly with your existing systems. This creates a seamless flow of information, eliminating the need for manual data exports and imports, which are notorious for causing errors. When your billing, CRM, and accounting software are all speaking the same language, you get a single, reliable source of truth for your financial data. This unified view helps you make better decisions and use customer feedback to improve your services. HubiFi offers seamless integrations with many popular platforms.
How can you plan for the future if you’re looking at last month’s numbers? In the fast-paced world of subscriptions, you need financial insights in real time. Waiting for your team to close the books manually at the end of the month means you’re always making decisions based on outdated information. An automated system gives you access to live dashboards and reports on your most important metrics, from Monthly Recurring Revenue (MRR) to customer churn. This immediate visibility allows you to spot trends as they happen, identify potential problems before they escalate, and confidently plan for growth. When you have accurate, up-to-the-minute data at your fingertips, you can steer your business with precision. You can find more articles on financial metrics on our company blog.
If the term "ASC 606" makes you nervous, you're not alone. This accounting standard changed the game for subscription businesses, requiring you to recognize revenue as you earn it, not just when a customer pays. For example, if a customer pays $1,200 for an annual plan, you can't book all that cash at once; you have to recognize $100 each month. Manually tracking this for hundreds or thousands of customers is a massive headache and a huge compliance risk. An automated revenue recognition platform does this complex work for you. It applies the correct accounting rules automatically, ensuring your financials are always accurate and compliant. This makes audit preparation a breeze, giving you clean, defensible records on demand. You can schedule a demo to see how automation can simplify your compliance.
How do I choose the right subscription model for my business? The best way to start is by looking at the value you provide. If your service offers a single, powerful solution for everyone, a simple flat-rate model might be perfect. However, if you serve different types of customers with varying needs, like small businesses and large enterprises, a tiered model is usually a better fit. This allows you to align price with features and create a clear path for customers to upgrade as they grow. The key is to match your pricing structure to how your customers actually use and benefit from your product.
If I can only track a few key metrics, which ones are the most important? While there are many numbers you can watch, focus on three to get a clear picture of your business's health. First, track your Monthly Recurring Revenue (MRR) to understand your growth and momentum. Second, compare your Customer Lifetime Value (CLTV) to your Customer Acquisition Cost (CAC) to ensure your growth is profitable. Finally, keep a close eye on your customer churn rate, as this tells you how well you're retaining the customers you worked so hard to win.
My business is losing subscribers. What's the first thing I should focus on to reduce churn? Before you do anything else, make sure your new customers are getting a fantastic first impression. A confusing or difficult onboarding experience is one of the fastest ways to lose a subscriber. Focus on creating a smooth, welcoming process that quickly shows new users how to get value from your service. Guide them to that "aha!" moment where they understand why your product is essential. A strong start builds immediate confidence and sets the stage for a long-term relationship.
I'm just starting out. Do I really need to worry about complex revenue recognition rules like ASC 606 right away? Yes, it's wise to get it right from the beginning. Even if you only have a handful of subscribers, recognizing revenue correctly is a foundational accounting practice. If a customer pays you $1,200 for an annual plan, your books should show that you earned $100 each month, not the full amount upfront. Establishing this process early, even with simple tools, will save you from massive headaches, costly clean-ups, and compliance issues as your business grows.
Can any business switch to a subscription model, or does it only work for certain products? While subscriptions are incredibly versatile, they work best for businesses that can provide continuous, ongoing value. The model is a natural fit for software, content, and services that customers use regularly. If you sell a product that is typically a one-time purchase, you might consider creating a service around it, like a maintenance plan, a curated delivery box, or access to an exclusive community. The goal is to find a way to build a recurring relationship rather than just completing a single transaction.

Former Root, EVP of Finance/Data at multiple FinTech startups
Jason Kyle Berwanger: An accomplished two-time entrepreneur, polyglot in finance, data & tech with 15 years of expertise. Builder, practitioner, leader—pioneering multiple ERP implementations and data solutions. Catalyst behind a 6% gross margin improvement with a sub-90-day IPO at Root insurance, powered by his vision & platform. Having held virtually every role from accountant to finance systems to finance exec, he brings a rare and noteworthy perspective in rethinking the finance tooling landscape.