Abstract: Systems, computer program products, and methods are described herein for modular subscription-centric resource architectures. The invention streamlines the user experience through a mobile banking application interface. It's designed to collect a user's resource account data, which includes their preferences, goals, and affiliations with one or more entities. By employing machine learning algorithms, the system analyzes the saved resource account data to ascertain the most fitting subscription tier recommendation. For those new to the platform, essential packages are recommended, while established users are presented with more detailed packages. The dashboard interface showcases the distinct benefits and features of each subscription tier, allowing for informed user selection. Furthermore, within this dashboard interface, there's a section dedicated to customizable bundle selection.