A finance startup wants to minimize upfront hardware investment and pay only for monthly usage. Which pricing model does this describe?

OpEx (Operational Expenditure) describes the pay-as-you-go model where you pay for services as you consume them, like a utility bill. This aligns with the startup's goal of minimizing upfront costs and paying only for monthly usage. CapEx (Capital Expenditure) involves significant upfront investment in physical infrastructure, which the startup wants to avoid. Reserved pricing is a specific Azure billing option that offers discounts for committing to a certain usage level over a period, but it still falls under an OpEx model and isn't the overarching pricing model being described. Bulk purchase is a general procurement term and not a specific cloud pricing model.