Mogo Inc. (MOGO): Marketing Mix Analysis [Dec-2025 Updated]

You're sifting through the latest data on this fintech, and what you'll find is a company that's definitely made some hard choices, like stepping back from lending due to those new Canadian interest rate caps at 35% APR. Honestly, the pivot is complete: the focus is now squarely on the 'Intelligent Investing' platform, which unifies wealth offerings and is supported by a growing $4.7 million Bitcoin treasury as of Q3 2025. With Q3 revenue hitting $10.3 million and a raised Adjusted EBITDA guidance of $6-7 million (CAD), the new strategy is clear, but how they plan to sell it-from digital-only distribution to subscription pricing-is what matters now. Dive in below to see the precise Product, Place, Promotion, and Price breakdown for this AI-native push.

Mogo Inc. (MOGO) - Marketing Mix: Product

You're looking at the core offering of Mogo Inc. (MOGO) as of late 2025, which is heavily centered on its digital wealth and payments infrastructure. The product strategy has clearly pivoted to focus on higher-margin, scalable digital services.

The Intelligent Investing platform is the centerpiece of the wealth offering. This is a reimagined product that unifies the former MogoTrade and Moka experiences into a single brand. It combines both managed and self-directed investing, all operating under one behavioral operating system designed to improve investor outcomes by focusing on temperament over activity.

The business is strategically focused on two primary growth pillars: digital wealth and payments processing through its wholly-owned subsidiary, Carta Worldwide. The performance of these two areas drives the current product narrative.

Here's a look at the key product-related financial metrics as of the third quarter ended September 30, 2025:

The capital allocation strategy is also a product of the current environment. Mogo Inc. has made a significant move into digital assets as a long-term reserve. The Board authorized up to $50 million for investment in Bitcoin. By Q3 2025, the company increased its Bitcoin holdings by over 300% quarter-over-quarter, reaching a total treasury value of $4.7 million. This Bitcoin holding now serves as a hurdle rate for all future capital deployment decisions.

Conversely, the lending product line is being de-emphasized. This is a direct response to regulatory changes in Canada, where new legislation effective January 1, 2025, reduced the maximum allowable interest rate to 35% APR. As a result, Mogo anticipates interest revenue from this segment to decrease by approximately 8-10% in 2025. For context, the MogoMini line of credit product offers amounts between $200 - $5,000.

Finally, the platform incorporates a unique environmental component into its product experience. The MogoCard, a prepaid Visa product, includes a green initiative where the company plants a tree for every purchase made. Furthermore, the wealth offering supports social impact by partnering with Flashforest to help replant Canadian forests devastated by wildfires.

The total membership base across the platform reached 2.29 million members as of Q3 2025.

Mogo Inc. (MOGO) - Marketing Mix: Place

You're looking at how Mogo Inc. gets its digital products into the hands of its members as of late 2025. Since Mogo Inc. is a pure-play fintech, the concept of 'Place' is entirely about digital accessibility and geographic targeting, not physical storefronts.

Distribution is entirely digital via the Mogo Inc. mobile app and web platform. This means every transaction, investment, and service interaction happens through their technology interface. There are no physical branch networks; this is a pure-play fintech model, so physical branch networks are non-existent.

The geographic strategy is segmented by business line. The wealth and lending businesses are primarily focused on the Canadian market. This focus is underpinned by the rollout of the unified Intelligent Investing platform designed specifically to help more Canadians invest better.

The Payments segment, operated through Carta Worldwide, has seen a strategic shift. Following a strategic realignment, the Payments segment (Carta Worldwide) is now focused on Europe, having ceased Canadian operations in Q1 2025. This international focus is driving volume growth.

The platform serves a total member base of approximately 2.29 million users as of Q3 2025. This digital reach is the core of their distribution strategy.

Here's a quick look at the scale of their digital distribution footprint as reported for Q3 2025:

The digital distribution channels are critical to supporting the growth across the core pillars:

• Distribution is entirely digital via the Mogo Inc. mobile app and web platform.
• Wealth and lending businesses are primarily focused on the Canadian market.
• Payments segment (Carta Worldwide) is now focused on Europe, having ceased Canadian operations in Q1 2025.
• The platform serves a total member base of approximately 2.29 million users as of Q3 2025.
• This is a pure-play fintech model, so physical branch networks are non-existent.

The growth in the Payments segment, while focused internationally, is significant; Payments Revenue was up 11% year-over-year in Q3 2025. Meanwhile, the Wealth segment, focused on Canada, saw Wealth Revenue increase by 27% year-over-year, driven by the record AUM of $498 million (CAD).

Finance: review the Q4 2025 investor deck for any stated changes to the Q1 2026 geographic focus by Friday.

Mogo Inc. (MOGO) - Marketing Mix: Promotion

You're looking at how Mogo Inc. is telling the market about its shift to a unified wealth platform. The promotion strategy is clearly centered on the upcoming launch of Intelligent Investing, which is set to roll out starting in Q4 2025 and continue into Q1 2026. This is a major push to rebrand and consolidate the existing MogoTrade and Moka experiences under one roof.

The core message you'll see pushed is that this new platform functions as a behavioral operating system for wealth building. The company's research suggests most retail investors underperform not because of fees, but because of poor behavior, so the promotion emphasizes rewarding discipline over constant activity. This narrative supports the financial results seen in Q3 2025, where Assets Under Management (AUM) hit a record CAD 498 million, up 22% year-over-year, and wealth revenue grew 27%.

The MOGO 3.0 initiative is the technological backbone being promoted, positioning Mogo Inc. as an AI-native platform. This is a deliberate move away from the older structure of two separate apps to a single, more efficient system.

To give wealth members a tangible edge, Mogo Inc. is heavily promoting its partnership with FS Insight LLC (FSI). This deal makes Mogo the exclusive distributor of FSI's research to the Canadian retail investor market. The promotion highlights access to exclusive interviews and webinars featuring Tom Lee and Mark Newton.

Public relations activity is focused on executive visibility at key industry events. For instance, Gregory Feller, Co-Founder & President, was scheduled to participate at the 3rd Annual Cantor Crypto, A/I Energy Infrastructure Conference from November 10 - Wednesday, November 12, 2025 in Miami Beach, FL. Also, Greg Feller participated in the H.C. Wainwright 27th Annual Global Investment Conference in New York on September 8 -10, 2025.

Here's a quick look at the Q3 2025 operational metrics supporting the promotional narrative of growth and discipline:

The company is using its balance sheet strength to back up its long-term claims. Management raised the full-year 2025 Adjusted EBITDA guidance to a range of CAD 6-7 million based on this strong performance. You should also note the strategic capital allocation, which includes holding $4.7 million in Bitcoin ETFs as of Q3 2025. They are definitely putting their money where their marketing message is.

The promotional focus on a disciplined, AI-native platform is intended to drive better member outcomes, which in turn should fuel recurring revenue. The company ended Q3 2025 with total cash and investments of $46.1 million, giving them flexibility to fund this growth initiative. For context on capital management, in Q2 2025, they repurchased 523,091 common shares at an average price of approximately US $1.44 per share.

Key promotional themes being communicated to the market include:

• The Intelligent Investing platform unifies managed and self-directed investing.
• Messaging centers on fixing investor behavior, not just providing access.
• The platform is being rebuilt to be AI-native under the MOGO 3.0 banner.
• Exclusive access to FSI research provides a competitive edge for wealth members.
• Executive participation in high-profile conferences like the Cantor Crypto, A/I Energy Infrastructure Conference.

The payments subsidiary, Carta Worldwide, also contributes to the overall promotional story of scale, processing $2.8 billion in volume in Q3 2025. The overall strategy is to show that their focus on discipline is translating to financial results, with an Adjusted EBITDA margin of 11.6% in Q3 2025. Finance: draft 13-week cash view by Friday.

Mogo Inc. (MOGO) - Marketing Mix: Price

You're looking at how Mogo Inc. structures the money customers pay for its services. The core strategy here is reflecting the value of a unified, behaviorally-driven platform, especially as they roll out the new Intelligent Investing system.

The Intelligent Investing platform operates on a subscription-based pricing model. This model is designed to align with investor outcomes rather than just engagement, which is a key differentiator in how they approach customer cost.

Here's a quick look at the revenue breakdown from Q3 2025, which shows where the pricing power is concentrated:

Primary revenue streams are subscription and services, which hit $10.3 million in Q3 2025. To be fair, the detailed reporting shows this specific segment, Adjusted Subscription & Services Revenue, grew 7% year-over-year.

Wealth revenue, driven by managed portfolios, grew 27% year-over-year to $3.7 million in Q3 2025. This growth is supported by Assets Under Management reaching a record $498 million, which is up 22% compared to the prior year.

Payments revenue increased 11% year-over-year to $2.4 million in Q3 2025, partly due to pricing changes. The underlying volume supporting this revenue was substantial, with Q3 processing volume hitting $2.8 billion, marking a 12% increase year-over-year.

The company is clearly prioritizing profitability through operational leverage across these fee-based structures. Full-year 2025 Adjusted EBITDA guidance was raised to $6-7 million (CAD) on strong platform performance, up from the previous $5-6 million range.

The pricing strategy is clearly focused on scaling the subscription and wealth management components, which are showing strong top-line growth rates.