This white paper argues fintechs are hitting a revenue plateau where interchange and freemium models are not enough, so digital banks are adding mobile services as a monetizable feature set. It explains three MVNO models that fit different needs, branded reseller for fastest launch with lower control, light MVNO for more control over billing and support, and full MVNO for maximum control and margin with higher complexity. It outlines five monetization paths, monthly subscriptions, usage add-ons like roaming, bundled premium tiers, SMB mobile offers, and loyalty bundles, and includes a case where a freelancer-focused digital bank launched a $9/month roaming bundle, reporting higher retention and net margin. It positions Enghouse as the enablement layer, providing plan configuration, usage m

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