diff --git a/README.md b/README.md
index f42dec5..afb07c9 100644
--- a/README.md
+++ b/README.md
@@ -21,9 +21,9 @@ And then to the module level `build.gradle.kts`:
 
 ```
 dependencies {
-    implementation 'com.revolut.rxdata:dod:1.4'
-    implementation 'com.revolut.rxdata:core:1.4'
-    implementation 'com.revolut.rxdata:scheduler:1.4'
+    implementation 'com.revolut.rxdata:dod:1.5.13'
+    implementation 'com.revolut.rxdata:core:1.5.13'
+    implementation 'com.revolut.rxdata:scheduler:1.5.13'
 }
 ```
 
diff --git a/dfd/gradle.properties b/dfd/gradle.properties
index 0314d80..ad320a0 100644
--- a/dfd/gradle.properties
+++ b/dfd/gradle.properties
@@ -1,5 +1,5 @@
 POM_ARTIFACT_ID=dfd
-VERSION_NAME=1.5.12
+VERSION_NAME=1.5.13
 POM_NAME=dfd
 POM_PACKAGING=jar
 GROUP=com.revolut.flowdata
diff --git a/dod-wrapper/gradle.properties b/dod-wrapper/gradle.properties
index 6844e8e..816a47d 100644
--- a/dod-wrapper/gradle.properties
+++ b/dod-wrapper/gradle.properties
@@ -1,5 +1,5 @@
 POM_ARTIFACT_ID=dod-wrapper
-VERSION_NAME=1.5.12
+VERSION_NAME=1.5.13
 POM_NAME=dod-wrapper
 POM_PACKAGING=jar
 GROUP=com.revolut.rxdata
diff --git a/dod/gradle.properties b/dod/gradle.properties
index 22ac62c..c111629 100644
--- a/dod/gradle.properties
+++ b/dod/gradle.properties
@@ -1,5 +1,5 @@
 POM_ARTIFACT_ID=dod
-VERSION_NAME=1.5.12
+VERSION_NAME=1.5.13
 POM_NAME=dod
 POM_PACKAGING=jar
 GROUP=com.revolut.rxdata
diff --git a/dod/src/main/java/com/revolut/rxdata/dod/DataObservableDelegate.kt b/dod/src/main/java/com/revolut/rxdata/dod/DataObservableDelegate.kt
index b7a1728..510ff17 100644
--- a/dod/src/main/java/com/revolut/rxdata/dod/DataObservableDelegate.kt
+++ b/dod/src/main/java/com/revolut/rxdata/dod/DataObservableDelegate.kt
@@ -98,15 +98,14 @@ class DataObservableDelegate<Params : Any, Domain : Any> constructor(
      * Requests data from network and subscribes to updates
      * (can be triggered by other subscribers or manual cache overrides)
      *
-     * @param forceReload - if true network request will be made even if data exists in caches
+     * @param loadingStrategy - [LoadingStrategy]
      */
-    @Suppress("RedundantLambdaArrow")
-    fun observe(params: Params, forceReload: Boolean = true): Observable<Data<Domain>> =
+    fun observe(params: Params, loadingStrategy: LoadingStrategy): Observable<Data<Domain>> =
         Observable.defer {
             val memCache = fromMemory(params)
             val memoryIsEmpty = memCache == null
             val subject = subject(params)
-            val loading = forceReload || memoryIsEmpty || failedNetworkRequests.containsKey(params)
+            val loading = loadingStrategy.refreshMemory || memoryIsEmpty || failedNetworkRequests.containsKey(params)
 
             val observable: Observable<Data<Domain>> = if (memCache != null) {
                 concat(
@@ -114,7 +113,7 @@ class DataObservableDelegate<Params : Any, Domain : Any> constructor(
                     subject
                 ).doAfterSubscribe {
                     if (loading) {
-                        subject.onNext(Data(content = memCache, loading = loading))
+                        subject.onNext(Data(content = memCache, loading = true))
                         fetchFromNetwork(memCache, params)
                     }
                 }
@@ -125,7 +124,9 @@ class DataObservableDelegate<Params : Any, Domain : Any> constructor(
                             just(cached),
                             subject
                         ).doAfterSubscribe {
-                            fetchFromNetwork(cached.content, params)
+                            if (loadingStrategy.refreshStorage || cached.content == null) {
+                                fetchFromNetwork(cached.content, params)
+                            }
                         }
                     }
                     .startWith(Data(null, loading = true))
@@ -136,6 +137,19 @@ class DataObservableDelegate<Params : Any, Domain : Any> constructor(
                 .muteRepetitiveReloading()
         }
 
+    /**
+     * Requests data from network and subscribes to updates
+     * (can be triggered by other subscribers or manual cache overrides)
+     *
+     * @param forceReload - if true network request will be made even if data exists in caches
+     */
+    @Deprecated(
+        message = "please migrate to the method with the LoadingStrategy",
+        replaceWith = ReplaceWith("fun observe(params: Params, loadingStrategy: LoadingStrategy)")
+    )
+    fun observe(params: Params, forceReload: Boolean = true): Observable<Data<Domain>> =
+        observe(params, loadingStrategy = if (forceReload) LoadingStrategy.ForceReload else LoadingStrategy.Auto)
+
     private fun Observable<Data<Domain>>.muteRepetitiveReloading(): Observable<Data<Domain>> =
         this.scan(ReloadingDataScanner<Domain>()) { scanner, newEmit ->
             scanner.registerData(newEmit)
diff --git a/dod/src/main/java/com/revolut/rxdata/dod/LoadingStrategy.kt b/dod/src/main/java/com/revolut/rxdata/dod/LoadingStrategy.kt
new file mode 100644
index 0000000..f9516d6
--- /dev/null
+++ b/dod/src/main/java/com/revolut/rxdata/dod/LoadingStrategy.kt
@@ -0,0 +1,36 @@
+package com.revolut.rxdata.dod
+
+/**
+ * [DataObservableDelegate] observation loading strategy
+ *
+ * @param refreshMemory - if true data will be fetched from network even if there is something in the memory
+ * @param refreshStorage - if true data will be fetched from network even if there is something in the storage
+ */
+sealed class LoadingStrategy(
+    internal val refreshMemory: Boolean,
+    internal val refreshStorage: Boolean,
+) {
+    /**
+     * data will be fetched from the Network even if the data exists in the cache
+     */
+    object ForceReload: LoadingStrategy(
+        refreshMemory = true,
+        refreshStorage = true,
+    )
+
+    /**
+     * data will not be fetched from the Network if the data exists in the memory cache
+     */
+    object Auto: LoadingStrategy(
+        refreshMemory = false,
+        refreshStorage = true,
+    )
+
+    /**
+     * data will not be fetched from the Network if the data exists in the cache memory or storage
+     */
+    object LazyReload: LoadingStrategy(
+        refreshMemory = false,
+        refreshStorage = false,
+    )
+}
\ No newline at end of file
diff --git a/dod/src/test/java/com/revolut/rxdata/dod/DataObservableDelegateTest.kt b/dod/src/test/java/com/revolut/rxdata/dod/DataObservableDelegateTest.kt
index e67af2c..0cdff23 100644
--- a/dod/src/test/java/com/revolut/rxdata/dod/DataObservableDelegateTest.kt
+++ b/dod/src/test/java/com/revolut/rxdata/dod/DataObservableDelegateTest.kt
@@ -48,7 +48,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         whenever(fromNetwork.invoke(eq(params))).thenReturn(Single.fromCallable { domain })
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = true).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.ForceReload).test()
 
         testObserver.assertValueCount(1)
         testObserver.assertValueAt(0, Data(null, error = null, loading = true))
@@ -71,7 +71,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         storage[params] = cachedDomain
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = true).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.ForceReload).test()
 
         testObserver.assertValueCount(1)
         testObserver.assertValueAt(0, Data(null, error = null, loading = true))
@@ -100,7 +100,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
             domain
         })
 
-        dataObservableDelegate.observe(params = params, forceReload = true).test()
+        dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.ForceReload).test()
 
         verifyNoMoreInteractions(fromNetwork)
 
@@ -118,7 +118,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         storage[params] = cachedDomain
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = false)
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto)
                 .extractContent()
                 .firstOrError() // gets storage and unsubscribes before network emits
                 .test()
@@ -157,7 +157,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         storage[params] = cachedDomain
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = false)
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto)
                 .extractContent()
                 .firstOrError() // gets storage and un-subscribes before network emits
                 .test()
@@ -178,7 +178,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         whenever(fromNetwork.invoke(eq(params))).thenReturn(Single.fromCallable { domain })
         whenever(toStorage.invoke(any(), any())).thenThrow(IllegalStateException())
 
-        val testObserver = dataObservableDelegate.observe(params = params).test()
+        val testObserver = dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto).test()
 
         ioScheduler.triggerActions()
 
@@ -191,7 +191,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         whenever(fromNetwork.invoke(eq(params))).thenReturn(Single.fromCallable { domain })
         whenever(toMemory.invoke(any(), any())).thenThrow(IllegalStateException())
 
-        val testObserver = dataObservableDelegate.observe(params = params).test()
+        val testObserver = dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto).test()
 
         ioScheduler.triggerActions()
 
@@ -210,7 +210,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         storage[params] = cachedDomain
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = false)
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto)
                 .extractContent()
                 .firstOrError() // gets storage and un-subscribes before network emits
                 .test()
@@ -239,7 +239,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         val network2 = Single.fromCallable { domain2 }
 
         whenever(fromNetwork.invoke(eq(params))).thenReturn(network2)
-        dataObservableDelegate.observe(params = params, forceReload = false)
+        dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto)
             .test()
 
         ioScheduler.triggerActions()
@@ -259,7 +259,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         storage[params] = cachedDomain
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = false)
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto)
                 .extractContent()
                 .firstOrError() // gets storage and unsubscribes before network emits
                 .test()
@@ -283,7 +283,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         whenever(fromNetwork.invoke(eq(params))).thenReturn(Single.fromCallable { domain })
 
         //observing with forceReload = false expecting to trigger network call again
-        dataObservableDelegate.observe(params = params, forceReload = false)
+        dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto)
             .extractContent()
             .firstOrError() // gets storage and unsubscribes before network emits
             .test()
@@ -302,7 +302,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         whenever(fromNetwork.invoke(eq(params))).thenReturn(Single.fromCallable { throw backendException })
         storage[params] = cachedDomain
 
-        dataObservableDelegate.observe(params = params, forceReload = false)
+        dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto)
             .extractContent()
             .test().apply { ioScheduler.triggerActions() }
             .assertError(backendException)
@@ -312,7 +312,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
 
         whenever(fromNetwork.invoke(eq(params))).thenReturn(Single.fromCallable { domain })
 
-        dataObservableDelegate.observe(params = params, forceReload = false)
+        dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto)
             .extractContent()
             .test().apply { ioScheduler.triggerActions() }
             .assertValues(cachedDomain, domain)
@@ -327,7 +327,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         whenever(fromNetwork.invoke(eq(params))).thenReturn(Single.fromCallable { throw CustomException() })
         storage[params] = cachedDomain
 
-        dataObservableDelegate.observe(params = params, forceReload = false)
+        dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto)
             .extractContent(consumeErrors = { error, _ -> error.takeUnless { it is CustomException } })
             .test().apply { ioScheduler.triggerActions() }
             .assertValues(cachedDomain)
@@ -337,7 +337,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
 
         whenever(fromNetwork.invoke(eq(params))).thenReturn(Single.fromCallable { domain })
 
-        dataObservableDelegate.observe(params = params, forceReload = false)
+        dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto)
             .extractContent()
             .test().apply { ioScheduler.triggerActions() }
             .assertValues(cachedDomain)
@@ -351,7 +351,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         memCache[params] = cachedDomain
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = true).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.ForceReload).test()
 
         testObserver.assertValueCount(1)
         testObserver.assertValueAt(0, Data(content = cachedDomain, error = null, loading = true))
@@ -375,7 +375,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
 
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = true).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.ForceReload).test()
 
         testObserver.assertValueCount(1)
         testObserver.assertValueAt(0, Data(content = cachedDomain, error = null, loading = true))
@@ -392,7 +392,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         whenever(fromNetwork.invoke(eq(params))).thenReturn(Single.fromCallable { throw backendException })
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = true).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.ForceReload).test()
 
         testObserver.assertValueCount(1)
         testObserver.assertValueAt(0, Data(null, error = null, loading = true))
@@ -416,7 +416,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         storage[params] = cachedDomain
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = true).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.ForceReload).test()
         testObserver.assertValueCount(1)
         testObserver.assertValueAt(0, Data(null, error = null, loading = true))
 
@@ -440,7 +440,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         memCache[params] = cachedDomain
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = true).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.ForceReload).test()
 
         testObserver.assertValueCount(1)
         testObserver.assertValueAt(0, Data(content = cachedDomain, error = null, loading = true))
@@ -465,7 +465,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         whenever(fromNetwork.invoke(eq(params))).thenReturn(Single.fromCallable { domain })
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = false).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto).test()
         testObserver.assertValueCount(1)
         testObserver.assertValueAt(0, Data(null, error = null, loading = true))
 
@@ -487,7 +487,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         storage[params] = cachedDomain
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = false).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto).test()
         testObserver.assertValueCount(1)
         testObserver.assertValueAt(0, Data(null, error = null, loading = true))
 
@@ -511,7 +511,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         memCache[params] = cachedDomain
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = false).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto).test()
 
         testObserver.assertValueCount(1)
         testObserver.assertValueAt(0, Data(content = cachedDomain, error = null, loading = false))
@@ -528,7 +528,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         whenever(fromNetwork.invoke(eq(params))).thenReturn(Single.fromCallable { throw backendException })
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = false).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto).test()
 
         testObserver.assertValueCount(1)
         testObserver.assertValueAt(0, Data(null, error = null, loading = true))
@@ -551,7 +551,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         storage[params] = cachedDomain
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = false).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto).test()
 
         testObserver.assertValueCount(1)
         testObserver.assertValueAt(0, Data(null, error = null, loading = true))
@@ -585,14 +585,14 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         memCache[params] = cachedDomain
 
         val testObserver1 =
-            dataObservableDelegate.observe(params = params, forceReload = false).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto).test()
 
         testObserver1.assertValueCount(1)
         testObserver1.assertValueAt(0, Data(content = cachedDomain, error = null, loading = false))
 
         // refresh with result
         val testObserver2 =
-            dataObservableDelegate.observe(params = params, forceReload = true).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.ForceReload).test()
 
         testObserver1.assertValueCount(2)
         testObserver1.assertValueAt(0, Data(content = cachedDomain, error = null, loading = false))
@@ -612,7 +612,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
 
         //refresh with error
         val testObserver3 =
-            dataObservableDelegate.observe(params = params, forceReload = true).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.ForceReload).test()
 
         testObserver1.assertValueCount(4)
         testObserver1.assertValueAt(3, Data(content = domain, error = null, loading = true))
@@ -646,7 +646,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
 
     @Test
     fun `re-subscribing to constructed stream re-fetches memory cache`() {
-        val observable = dataObservableDelegate.observe(params, forceReload = true)
+        val observable = dataObservableDelegate.observe(params, loadingStrategy = LoadingStrategy.ForceReload)
 
         observable.test().awaitCount(1).dispose()
         verify(fromMemory, times(1)).invoke(eq(params))
@@ -662,7 +662,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         whenever(fromNetwork.invoke(eq(params))).thenReturn(Single.fromCallable { domain })
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = false).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto).test()
 
         ioScheduler.triggerActions()
 
@@ -727,7 +727,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         whenever(fromStorage.invoke(any())).thenThrow(error)
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = false).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.Auto).test()
 
         ioScheduler.triggerActions()
 
@@ -751,7 +751,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
 
         whenever(fromNetwork.invoke(eq(params))).thenReturn(Single.fromCallable { domain })
 
-        dataObservableDelegate.observe(params = params, forceReload = true)
+        dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.ForceReload)
             .takeUntilLoaded()
             .test()
             .apply { ioScheduler.triggerActions() }
@@ -767,7 +767,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         memCache[params] = cachedDomain
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = true).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.ForceReload).test()
 
         testObserver.assertValueCount(1)
         testObserver.assertValueAt(0, Data(content = cachedDomain, error = null, loading = true))
@@ -790,7 +790,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         memCache[params] = cachedDomain
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = true).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.ForceReload).test()
 
         testObserver.assertValueCount(1)
         testObserver.assertValueAt(0, Data(content = cachedDomain, error = null, loading = true))
@@ -812,7 +812,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         memCache[params] = cachedDomain
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = true).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.ForceReload).test()
 
         testObserver.assertValueCount(1)
         testObserver.assertValueAt(0, Data(content = cachedDomain, error = null, loading = true))
@@ -835,7 +835,7 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         storage[params] = cachedDomain
 
         val testObserver =
-            dataObservableDelegate.observe(params = params, forceReload = true).test()
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.ForceReload).test()
 
         testObserver.assertValueCount(1)
         testObserver.assertValueAt(0, Data(content = null, error = null, loading = true))
@@ -850,4 +850,47 @@ class DataObservableDelegateTest : BaseDataObservableDelegateTest() {
         testObserver.assertValueCount(3)
         testObserver.assertValueAt(2, Data(content = cachedDomain, error = RuntimeException()))
     }
+
+    @Test
+    fun `WHEN fromMemory returns null, fromStorage has value AND LoadingStrategy is LazyReload THEN subscriber receives storage value`() {
+        whenever(fromMemory.invoke(any())).thenReturn(null)
+        storage[params] = cachedDomain
+
+        val testObserver =
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.LazyReload).test()
+
+        testObserver.assertValueCount(1)
+        testObserver.assertValueAt(0, Data(content = null, error = null, loading = true))
+        ioScheduler.triggerActions()
+
+        testObserver.assertValueCount(2)
+        testObserver.assertValueAt(1, Data(content = cachedDomain, error = null, loading = true))
+
+        ioScheduler.triggerActions()
+
+        verifyNoMoreInteractions(fromNetwork)
+    }
+
+    @Test
+    fun `WHEN fromMemory returns null, fromStorage returns null AND LoadingStrategy is LazyReload THEN subscriber receives network value`() {
+        whenever(fromNetwork.invoke(eq(params))).thenReturn(Single.fromCallable { domain })
+        whenever(fromMemory.invoke(any())).thenReturn(null)
+        val testObserver =
+            dataObservableDelegate.observe(params = params, loadingStrategy = LoadingStrategy.LazyReload).test()
+
+        testObserver.assertValueCount(1)
+        testObserver.assertValueAt(0, Data(content = null, error = null, loading = true))
+        ioScheduler.triggerActions()
+
+        testObserver.assertValueCount(2)
+        testObserver.assertValueAt(1, Data(content = domain, error = null, loading = false))
+
+        ioScheduler.triggerActions()
+
+        verify(fromNetwork, only()).invoke(eq(params))
+        verify(fromMemory, only()).invoke(eq(params))
+        verify(toMemory, only()).invoke(eq(params), eq(domain))
+        verify(fromStorage, only()).invoke(eq(params))
+        verify(toStorage, only()).invoke(eq(params), eq(domain))
+    }
 }
diff --git a/flow-extensions/gradle.properties b/flow-extensions/gradle.properties
index 91b691d..a81ed18 100644
--- a/flow-extensions/gradle.properties
+++ b/flow-extensions/gradle.properties
@@ -1,5 +1,5 @@
 POM_ARTIFACT_ID=extensions
-VERSION_NAME=1.5.12
+VERSION_NAME=1.5.13
 POM_NAME=flow-core
 POM_PACKAGING=jar
 GROUP=com.revolut.flowdata
diff --git a/model/gradle.properties b/model/gradle.properties
index fec3d22..73a348d 100644
--- a/model/gradle.properties
+++ b/model/gradle.properties
@@ -1,5 +1,5 @@
 POM_ARTIFACT_ID=model
-VERSION_NAME=1.5.12
+VERSION_NAME=1.5.13
 POM_NAME=data
 POM_PACKAGING=jar
 GROUP=com.revolut.data
diff --git a/rx-extensions/gradle.properties b/rx-extensions/gradle.properties
index 981d402..a78437a 100644
--- a/rx-extensions/gradle.properties
+++ b/rx-extensions/gradle.properties
@@ -1,5 +1,5 @@
 POM_ARTIFACT_ID=extensions
-VERSION_NAME=1.5.12
+VERSION_NAME=1.5.13
 POM_NAME=core
 POM_PACKAGING=jar
 GROUP=com.revolut.rxdata
diff --git a/scheduler/gradle.properties b/scheduler/gradle.properties
index b393a68..9950add 100644
--- a/scheduler/gradle.properties
+++ b/scheduler/gradle.properties
@@ -1,5 +1,5 @@
 POM_ARTIFACT_ID=scheduler
-VERSION_NAME=1.5.12
+VERSION_NAME=1.5.13
 POM_NAME=scheduler
 POM_PACKAGING=aar
 GROUP=com.revolut.rxdata