Understanding Subscription Habits Across Generations

Wednesday, 16 July 2025
Fintech & Payments
Michelle Joynson
Research Analyst

Subscription services have transformed how we consume everything from entertainment and software to meal kits and personal care products. But not all subscribers are the same: their preferences, spending habits, and loyalty vary widely depending on their generation.

Why does this matter? For businesses, knowing how different age groups interact with subscriptions is crucial for designing offers that resonate, improving customer retention, and maximising revenue. From Baby Boomers to Generation Z, each generation brings distinct attitudes and behaviours to the subscription economy.

Boomers (Born 1946-1964): Loyal but Cautious

Boomers tend to be loyal subscribers but are cautious about adopting new services. They usually spend less on subscriptions and prefer simple, straightforward offerings without complicated features or bells and whistles. When it comes to subscriptions, ease of use and reliability matter most to this group.

Generation X (Born 1965-1980): Brand-loyal & Steady

Generation X sticks to what they know. They are steady spenders who value trusted brands and reliable service over novelty. They’re more moderate in their subscription spending and tend to renew with providers they’ve had good experiences with, making brand reputation crucial to retaining their loyalty.

Millennials (Born 1981-1996): Heavy Adopters Seeking Flexibility

Millennials are the heavy users of subscription services. They spend more and actively seek value for their money. Flexibility is key - they want subscription plans that adapt to their needs, with options to pause, upgrade, or customize. Millennials drive innovation in subscription models, pushing companies to offer more dynamic options.

Generation Z (Born 1997-2012): Fast Adopters, High Expectations

Generation Z is the most experimental and biggest spenders in the subscription space. They’re quick to try new services but equally quick to switch if their expectations aren’t met. Personalisation and flexible payment options are essential to this group. Brands that can offer seamless, tailored experiences are the ones that win over Gen Z.


Source: Subscription Economy Market 2025-2030

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