“The reason people stay with Digit and pay for Digit is because it has a life-changing financial impact for them. The average Digit customer saves more than $2,000 per year,” Bloch said. “We’re able to have that level of impact because we can be maniacally focused on that single need of how do we help someone save more.”  Bloch emphasized that since Digit is a subscription-based service, the company doesn’t have to worry about making money through interchange fees or borrowing. Through an interchange fee-based traditional model, the company would make money whenever a customer spends money, which, according to Bloch, runs counter to Digit’s mission of assisting users with savings and paying off debt.

https://bankinnovation.net/allposts/biz-lines/payments/digit-to-focus-on-automation-as-it-evolves-its-future-plans/