They are already generating revenue through interchange fee's with the beta users in US of which 90% belongs to DOU and 10% to Banking Partner from memory. Naturally MasterCard also take their clip and has a vested interest in DOUUGH's success to combat Apple Pay and other Payment Platforms.
Subscription is a "nice to have" later down the track when they introduce trading/investing etc but by no means is it essential to make a profitable consumer app linked with card.
They are already generating revenue through interchange fee's...
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