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The premium subscriptions neobanks offer usually don’t win on features but solely on nicer looking cards. The N26 or Revolut Metal plans, for example, don’t offer any additional features that really justify the ~€15 / month price tag. They do include a nice looking metal card though – that’s what people pay for.

With Web1, I am not claiming people are going to directly interact with protocols. You did not directly go and interact with SMTP. You were mediated by client software, like Gmail — back then it was Hotmail — or Outlook. The key difference when you have a protocol there is that the user can switch. If I am hosting with Rackspace, or using email... See more

Upgrade paths can even exist without a de facto subscription. Both Chewy and Stitch Fix* offer an auto-ship feature, which gives meaningful discounts to the most active customers in exchange for predictable revenue.

In this case, Apple should both allow ClassPass to sell its classes via a webview (i.e. loading a webpage within its app), and also offer in-app purchases for, say, 10%; yes, that’s more expensive than credit card processing fees (which are ~$0.30+2.5%~2.9%, or around 6% of a $10 purchase), but the superiority of the user experience may convert... See more

3. Regulations can impact social tokens.