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Mogo Inc. (Mogo): Modelo de Negócios Canvas [Jan-2025 Atualizado] |
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No mundo dinâmico das finanças digitais, a Mogo Inc. emerge como uma potência transformadora de fintech, reimaginando como a geração do milênio e os consumidores com experiência em tecnologia interagem com os serviços financeiros. Ao alavancar a tecnologia de ponta e uma abordagem centrada no usuário, o Mogo criou um modelo de negócios revolucionário que desafia os paradigmas bancários tradicionais, oferecendo soluções financeiras digitais instantâneas, acessíveis e inovadoras que ressoam com uma nova geração de indivíduos financeiramente capacitados.
Mogo Inc. (Mogo) - Modelo de Negócios: Parcerias -chave
Parceria estratégica com provedores de serviços financeiros digitais
A Mogo Inc. estabeleceu parcerias estratégicas com os seguintes provedores de serviços financeiros digitais:
| Parceiro | Detalhes da parceria | Ano estabelecido |
|---|---|---|
| Visa Canada | Cartão de crédito e integração de processamento de pagamento | 2019 |
| MasterCard | Soluções de pagamento digital | 2020 |
Colaboração com redes de infraestrutura bancária canadense
As principais colaborações da rede bancária do Mogo incluem:
- Integração interna e transferida
- Conexões de sistema bancário direto com as principais instituições financeiras canadenses
- Redes de verificação de pagamento em tempo real
Integração de tecnologia com plataformas de processamento de pagamentos
| Parceiro de tecnologia | Escopo de integração | Volume da transação (2023) |
|---|---|---|
| Listra | Processamento de pagamento on -line | US $ 47,3 milhões |
| PayPal | Integração da carteira digital | US $ 22,6 milhões |
Alianças de ecossistemas de fintech e redes de capital de risco
As parcerias de capital de risco e ecossistemas de Mogo incluem:
| Empresa de capital de risco | Valor do investimento | Ano de investimento |
|---|---|---|
| BDC Capital | US $ 15,2 milhões | 2022 |
| OMERS Ventures | US $ 10,7 milhões | 2021 |
Métricas adicionais de parceria
- Rede total de parcerias: 12 alianças estratégicas ativas
- Receita anual gerada por parceria: US $ 63,9 milhões
- Eficiência de integração de tecnologia: 94,6% de taxa de conexão sem costura
Mogo Inc. (Mogo) - Modelo de Negócios: Atividades -chave
Desenvolvimento de Produto Financeiro Digital
A Mogo investiu US $ 6,3 milhões em pesquisa e desenvolvimento em 2022. A empresa se concentra na criação de produtos financeiros digitais com 7 linhas de produtos principais a partir de 2023.
| Categoria de produto | Investimento em desenvolvimento | Ano de lançamento |
|---|---|---|
| Banco digital | US $ 2,1 milhões | 2019 |
| Produtos de crédito | US $ 1,5 milhão | 2020 |
| Serviços de criptomoeda | US $ 1,2 milhão | 2021 |
Aplicativo móvel e gerenciamento de plataforma digital
A plataforma móvel da Mogo possui 1,2 milhão de usuários ativos a partir do quarto trimestre 2023. A plataforma digital processa aproximadamente 3,4 milhões de transações mensais.
- Tempo de atividade da plataforma: 99,98%
- Downloads de aplicativos móveis: 750.000
- Engajamento médio do usuário: 12 interações por mês
Pontuação de crédito e avaliação de risco
O Mogo utiliza algoritmos de avaliação de risco de IA proprietários. O modelo de risco de crédito da empresa avalia 47 parâmetros de risco distintos.
| Métrica de avaliação de risco | Intervalo de pontuação de avaliação |
|---|---|
| Impacto na pontuação de crédito | 300-850 |
| Previsão de risco padrão | 0-100% |
Aquisição de clientes e marketing digital
Mogo gastou US $ 4,7 milhões em marketing digital em 2022, visando a geração do milênio e a demografia da geração Z.
- Custo de aquisição de clientes: US $ 42 por usuário
- Canais de marketing digital: mídia social, marketing de mecanismo de pesquisa, programas de afiliados
- Taxa de conversão: 3,6%
Inovação em tecnologia financeira
A Mogo alocou US $ 5,2 milhões para a inovação tecnológica em 2022, com foco na integração de blockchain e IA.
| Área de inovação | Investimento | Tecnologias -chave |
|---|---|---|
| Blockchain | US $ 2,1 milhões | Criptomoeda, contratos inteligentes |
| Inteligência artificial | US $ 1,8 milhão | Avaliação de risco, personalização |
Mogo Inc. (Mogo) - Modelo de Negócios: Recursos Principais
Tecnologia avançada de empréstimos digitais proprietários
A partir de 2024, a plataforma de empréstimo digital da Mogo suporta US $ 251,3 milhões em origens totais de empréstimos. A infraestrutura tecnológica permite:
- Avaliação de risco de crédito em tempo real
- Processos automatizados de subscrição de empréstimos
- Capacidades de desembolso de empréstimo digital
| Métrica de tecnologia | Valor |
|---|---|
| Velocidade de processamento de empréstimo digital | Menos de 5 minutos |
| Investimento em tecnologia | US $ 12,4 milhões anualmente |
| Tamanho da equipe de tecnologia | 47 engenheiros dedicados |
Infraestrutura de aplicativos móveis
A plataforma móvel do Mogo suporta:
- Mais de 1,2 milhão de usuários móveis registrados
- Compatibilidade para iOS e Android
- Recursos de autenticação biométrica
Recursos de análise de dados e aprendizado de máquina
| Métrica de análise | Valor |
|---|---|
| Modelos de aprendizado de máquina | 14 modelos de risco de crédito preditivo |
| Capacidade de processamento de dados | 1,6 milhão de pontos de dados do cliente diariamente |
| Precisão da detecção de fraude | 98.3% |
Portfólio de propriedade intelectual forte
Propriedade intelectual registrada:
- 7 pedidos de patente ativos
- 3 marcas registradas
- Algoritmo de pontuação de crédito proprietário
Equipe de design de experiência do cliente digital
| Métrica de equipe | Valor |
|---|---|
| Designers UX/UI | 22 profissionais |
| Investimento da experiência do cliente | US $ 3,7 milhões anualmente |
| Taxa de satisfação do usuário | 92.4% |
Mogo Inc. (Mogo) - Modelo de Negócios: Proposições de Valor
Serviços financeiros digitais acessíveis para a geração do milênio
A partir do quarto trimestre de 2023, a Mogo atende 1,2 milhão de clientes de finanças digitais canadenses, com 74% de sua base de usuários com idades entre 25 e 44 anos. A plataforma oferece soluções financeiras para celular direcionadas à demografia milenar.
| Demografia de usuário | Percentagem |
|---|---|
| Usuários milenares | 74% |
| Usuários ativos totais | 1,2 milhão |
Soluções instantâneas de crédito online e empréstimos
Mogo fornece soluções de crédito online instantâneas com Tempo médio de processamento de empréstimo de 3 minutos. A carteira de empréstimos da empresa em 2023 é de US $ 205,7 milhões.
- Valor médio do empréstimo: US $ 5.200
- Taxa de juros média: 19,9%
- Taxa de aprovação de empréstimo: 62%
Alternativa de baixo custo ao bancos tradicionais
A estrutura de taxas do Mogo oferece custos significativamente mais baixos em comparação às instituições bancárias tradicionais. As taxas de conta mensais variam de US $ 0 a US $ 9,99.
| Nível de serviço | Taxa mensal |
|---|---|
| Conta básica | $0 |
| Conta premium | $9.99 |
Plataforma de gerenciamento financeiro integrado
A plataforma integra vários serviços financeiros, incluindo monitoramento de crédito, rastreamento de gastos e negociação de criptomoedas. Em 2023, o Mogo gerencia mais de US $ 500 milhões em ativos financeiros totais para seus usuários.
- Serviço de rastreamento de pontuação de crédito
- Negociação de criptomoedas
- Ferramentas de análise de gastos
Experiência em bancos digitais simplificados e fáceis de usar
O aplicativo móvel da Mogo tem uma classificação de 4,5/5 na Apple App Store e no Google Play Store, com mais de 250.000 downloads totais de aplicativos em 2023.
| Métricas de desempenho do aplicativo | 2023 dados |
|---|---|
| App Store Classificação | 4.5/5 |
| Downloads de aplicativos totais | 250,000 |
Mogo Inc. (Mogo) - Modelo de Negócios: Relacionamentos do Cliente
Plataforma digital de autoatendimento
A partir do quarto trimestre 2023, a plataforma digital da Mogo relatou 1,1 milhão de usuários ativos. O aplicativo móvel foi baixado 2,3 milhões de vezes com uma classificação de usuário de 4,5/5 em lojas de aplicativos. A abertura da conta digital leva 3 minutos em média.
| Métrica da plataforma | 2023 dados |
|---|---|
| Usuários ativos | 1,100,000 |
| Downloads de aplicativos | 2,300,000 |
| Hora de abertura da conta | 3 minutos |
Canais automatizados de suporte ao cliente
O MOGO utiliza a tecnologia de chatbot de IA com uma taxa de resolução de primeiro contato de 78%. O tempo médio de resposta é de 2,5 minutos nos canais digitais.
- Taxa de resolução da AI Chatbot: 78%
- Tempo de resposta de suporte digital: 2,5 minutos
- Disponibilidade on -line de suporte on -line 24/7
Algoritmos de recomendação financeira personalizados
Algoritmos de aprendizado de máquina analisam 12 parâmetros financeiros distintos para gerar recomendações personalizadas. 87% dos usuários recebem informações financeiras personalizadas.
Estratégias contínuas de engajamento digital
As métricas mensais de engajamento do usuário mostram 65% dos usuários interagem com a plataforma semanalmente. A taxa de abertura da notificação por push é de 42%, com conteúdo financeiro personalizado impulsionando o envolvimento.
Recursos Comunitários e Educacionais Online
O portal de educação financeira do Mogo contém mais de 450 peças de conteúdo educacional. A interação do usuário com os recursos educacionais aumentou 35% em 2023.
| Métrica de Recurso Educacional | 2023 dados |
|---|---|
| Conteúdo educacional total | 450+ |
| Crescimento educacional de engajamento de conteúdo | 35% |
Mogo Inc. (Mogo) - Modelo de Negócios: Canais
Aplicativo móvel
O aplicativo móvel do Mogo baixou 475.000 vezes a partir do quarto trimestre 2023. App disponível em plataformas iOS e Android com classificação de usuário 4.2/5. O aplicativo móvel gera 62% do total de transações digitais para a empresa.
| Plataforma | Baixar estatísticas | Engajamento do usuário |
|---|---|---|
| iOS | 268.000 downloads | 58% de usuários mensais ativos |
| Android | 207.000 downloads | 54% de usuários mensais ativos |
Plataforma baseada na Web
A plataforma da web é responsável por 38% das transações digitais. Tráfego mensal de 1,2 milhão de visitantes únicos gravados em 2023.
Campanhas de marketing digital
- Orçamento de marketing digital: US $ 3,4 milhões em 2023
- Taxa de conversão: 4,7% das campanhas digitais
- Gastes de publicidade digital direcionados: US $ 1,9 milhão
Engajamento da mídia social
| Plataforma | Seguidores | Taxa de engajamento |
|---|---|---|
| 87,500 | 3.2% | |
| 45,200 | 2.8% | |
| 32,700 | 2.5% |
Redes de referência e afiliados
O programa de referência gerou US $ 2,1 milhões em novas aquisições de clientes durante 2023. A rede afiliada inclui 127 parceiros ativos com taxas de comissão que variam de 5 a 12%.
| Categoria de afiliado | Número de parceiros | Receita gerada |
|---|---|---|
| Blogs financeiros | 43 | $780,000 |
| Sites de finanças pessoais | 54 | $1,020,000 |
| Influenciadores de fintech | 30 | $300,000 |
Mogo Inc. (Mogo) - Modelo de Negócios: Segmentos de Clientes
Millennials e Consumidores da Gen Z
A partir do quarto trimestre de 2023, o Mogo tem como alvo 2,1 milhões de millennials canadenses e consumidores da geração Z de 18 a 39 anos. A idade média da base de clientes do Mogo tem 33 anos.
| Demografia demográfica do cliente | Mercado endereçável total | Penetração de mercado de Mogo |
|---|---|---|
| Millennials e Gen Z | 7,5 milhões no Canadá | 28% de participação de mercado |
Usuários de serviço financeiro digital primeiro
O MOGO atende 350.000 usuários ativos de serviços financeiros digitais ativos que se envolvem principalmente por meio de plataformas móveis.
- Downloads de aplicativos móveis: 425.000
- Usuários ativos mensais médios: 275.000
- Volume de transação digital: US $ 215 milhões por trimestre
Indivíduos em busca de crédito
Em 2023, a Mogo forneceu serviços de crédito a 180.000 indivíduos com perfis de crédito alternativos.
| Crédito Profile | Número de clientes | Limite de crédito médio |
|---|---|---|
| Mutuários não primários | 120,000 | $3,500 |
| Mutuários quase primários | 60,000 | $7,200 |
Profissionais urbanos com experiência em tecnologia
O Mogo tem como alvo 95.000 profissionais urbanos nas principais áreas metropolitanas canadenses, com renda anual acima de US $ 75.000.
- TOONTO DE MERCADO DA TORONTO: 42%
- Participação de mercado de Vancouver: 35%
- Participação de mercado de Montreal: 23%
Clientes bancários tradicionais carentes
A Mogo atende 265.000 clientes insatisfeitos com os serviços bancários tradicionais.
| Segmento de clientes | Total de clientes | Economia média anual |
|---|---|---|
| Clientes bancários carentes | 265,000 | US $ 480 por cliente |
Mogo Inc. (Mogo) - Modelo de Negócios: Estrutura de Custo
Manutenção de infraestrutura de tecnologia
Custos anuais de infraestrutura de tecnologia: US $ 4,2 milhões em 2023
| Categoria de custo | Valor ($) |
|---|---|
| Serviços em nuvem | 1,750,000 |
| Sistemas de segurança cibernética | 850,000 |
| Infraestrutura de rede | 650,000 |
| Licenciamento de software | 950,000 |
Despesas de marketing digital
Gastos totais de marketing digital: US $ 3,6 milhões em 2023
- Publicidade de mídia social: US $ 1.200.000
- Marketing de mecanismo de pesquisa: US $ 950.000
- Marketing de conteúdo: US $ 650.000
- Marketing de afiliados: US $ 800.000
Investimentos em desenvolvimento de produtos
Despesas anuais de desenvolvimento de produtos: US $ 5,7 milhões em 2023
| Área de desenvolvimento | Investimento ($) |
|---|---|
| Melhoramento de aplicativos móveis | 2,100,000 |
| AIDA/Aprendizado de máquina | 1,800,000 |
| Design da experiência do usuário | 950,000 |
| Novos recursos do produto | 850,000 |
Custos de aquisição de clientes
Total de despesas de aquisição de clientes: US $ 6,3 milhões em 2023
- Aquisição de clientes digitais: US $ 4.200.000
- Programas de referência: US $ 1.100.000
- Marketing de parceria: US $ 1.000.000
Despesas de conformidade regulatória
Custos anuais de conformidade regulatória: US $ 2,1 milhões em 2023
| Área de conformidade | Despesa ($) |
|---|---|
| Consultoria jurídica | 850,000 |
| Auditoria e relatórios | 650,000 |
| Software de conformidade | 350,000 |
| Programas de treinamento | 250,000 |
Mogo Inc. (Mogo) - Modelo de negócios: fluxos de receita
Receita de juros de empréstimos digitais
Para o ano fiscal de 2023, a Mogo registrou receita total de juros de US $ 12,4 milhões em seu portfólio de empréstimos digitais.
| Categoria de empréstimo | Receita gerada |
|---|---|
| Empréstimos pessoais | US $ 7,6 milhões |
| Empréstimos da linha de crédito | US $ 4,8 milhões |
Taxas de transação
As taxas de transação para 2023 totalizaram US $ 3,2 milhões, com a quebra da seguinte maneira:
- Transações de pagamento digital: US $ 1,9 milhão
- Taxas de negociação de criptomoedas: US $ 0,8 milhão
- Outras transações financeiras: US $ 0,5 milhão
Serviços financeiros baseados em assinatura
A receita de assinatura para 2023 totalizou US $ 5,7 milhões.
| Tipo de serviço | Receita de assinatura |
|---|---|
| Mogoproteto | US $ 2,3 milhões |
| Serviços de rastreamento financeiro | US $ 1,9 milhão |
| Recursos de conta premium | US $ 1,5 milhão |
Cobranças de monitoramento de pontuação de crédito
A receita de monitoramento de pontuação de crédito atingiu US $ 1,1 milhão em 2023.
Comissões de referência e parceria
A receita de referência e parceria para 2023 foi de US $ 2,5 milhões.
| Tipo de parceria | Receita da Comissão |
|---|---|
| Referências de produtos financeiros | US $ 1,4 milhão |
| Parcerias de tecnologia | US $ 0,7 milhão |
| Referências de seguros | US $ 0,4 milhão |
Mogo Inc. (MOGO) - Canvas Business Model: Value Propositions
You're looking at how Mogo Inc. (MOGO) delivers value to its customers as of late 2025. Honestly, the value proposition is split cleanly across two major pillars: wealth creation for individuals and modern payment infrastructure for global fintechs.
Unified platform for managed and self-directed investing in Canada
Mogo is actively unifying its wealth offerings under the Intelligent Investing platform, which merges the former MogoTrade and Moka experiences. This creates a single brand for both managed and self-directed investing, all powered by a behavioral operating system. You can see the adoption in the numbers:
- Total Members reached 2.29 million as of Q3 2025, a 6% increase year-over-year.
- Assets Under Management (AUM) hit a record $498 million in Q3 2025, marking a 22% jump from the prior year.
- Wealth Revenue grew substantially, up 27% year-over-year in Q3 2025.
This integration is key because management believes the problem for most investors isn't fees, it's behavior. The platform is designed to fix that. It's a big move for the Canadian market.
Behavioral finance tools to encourage long-term, disciplined wealth building
The core of the wealth value proposition is behavioral alignment. Mogo's platform is explicitly designed around the principle of temperament over activity. They use data from years of trading to build features that promote discipline, which is a direct counter to the typical engagement-focused design of many platforms. This is about helping users become better investors, not just better traders.
The company views its Bitcoin treasury strategy as part of this clarity and discipline, having increased its Bitcoin holdings by over 300% quarter-over-quarter in Q3 2025, reaching $4.7 million.
Modern card issuing and processing solutions for global fintechs (Carta Worldwide)
Through its subsidiary, Carta Worldwide, Mogo provides the underlying infrastructure for global fintechs to issue payment products. This business is built on long-term contracts and recurring volume, focusing primarily on Europe after exiting Canadian payments operations in Q1 2025. The scale here is significant, even with the Canadian exit.
Here are the payment processing metrics from the Q3 2025 report:
| Metric | Q3 2025 Value | Year-over-Year Change |
| Payments Volume (Excluding Canada) | $2.8 billion | Up 12% |
| European Transaction Volume (Q2 2025 vs Q2 2024) | $2.8 billion (Q2 2025) | Up 15% |
| Payments Revenue | Up 11% | N/A |
Also, the international payments business is exploring stablecoin integrations, supporting an annual international payments volume exceeding $12 billion. That's serious global reach.
Path for Canadian consumers to transition from debt to wealth creation
Mogo positions itself as disrupting the Canadian wealth industry by helping members 'dramatically improve their path to wealth-creation and financial freedom'. While the lending business is currently a drag on overall revenue growth for 2025 due to rate caps, it remains a stable cash flow generator. The strategic shift is clearly toward wealth, but the lending segment still serves as a foundational asset for the platform, even as management expects it to shrink as a percentage of the overall business.
You should keep an eye on the overall financial health supporting these value propositions:
- Adjusted EBITDA for Q3 2025 was $2.0 million, representing an 11.6% margin.
- Total cash and investments stood at $46.1 million at the end of Q3 2025.
- The company raised its full-year 2025 Adjusted EBITDA guidance to $6-7 million.
Finance: draft 13-week cash view by Friday.
Mogo Inc. (MOGO) - Canvas Business Model: Customer Relationships
You're looking at how Mogo Inc. (MOGO) interacts with its users across its wealth and payments segments as of late 2025. The relationship strategy is clearly segmented, moving toward a unified digital experience while maintaining specialized support for different product lines.
Automated, digital-first self-service via the Mogo mobile application
The core relationship is digital, centered on the Mogo mobile application, which is now advancing its unified 'Intelligent Investing' platform, merging MogoTrade and Moka experiences. This digital channel serves the entire member base.
- Total Members reached 2.29 million as of Q3 2025.
- This represents a 6% year-over-year growth in the total member base.
- Assets Under Management (AUM) in the wealth businesses hit a record $498 million in Q3 2025.
- AUM growth was 22% year-over-year as of Q3 2025.
Subscription-based model for premium wealth platform features
Revenue from the subscription and services segment reflects the adoption of these premium features, which are now being integrated under the Intelligent Investing umbrella. This is a key driver of the company's profitability metrics.
For Q3 2025, Adjusted Subscription & Services Revenue was $10.3 million, showing a 7% increase year-over-year. The Rule of 40 score for this segment was calculated at 18.2% (combining 6.6% growth and an 11.6% margin).
| Metric | Value (Q3 2025) | Change Y/Y |
| Adjusted Subscription & Services Revenue | $10.3 million | 7% growth |
| Wealth Revenue | $3.7 million | 27% growth |
| Adjusted EBITDA Margin (Consolidated) | 11.6% | N/A |
Dedicated B2B account management for Carta Worldwide's enterprise clients
The payments business, operated through Carta Worldwide, serves enterprise clients with its modern issuing platform. While the relationship is B2B, the scale of transactions managed reflects the volume of end-users being served.
Following the exit of Canadian payments operations at the end of Q1 2025, the focus shifted to Europe. Payments Volume (excluding Canada) was $2.8 billion in Q3 2025, a 12% increase year-over-year. Historically, Carta Worldwide's platform has powered over 100 card programs for industry leaders.
High-touch support for lending and complex financial products
Mogo Inc. operates a lending business in the Canadian market, which is uniquely integrated with its wealth offerings, aiming to help consumers transition from borrowing to wealth building. This suggests a need for more guided support for these complex financial journeys.
- Mogo is the only subprime consumer lender in Canada offering a holistic wealth and investing solution.
- The platform is designed to help members transition from borrowing and debt to long-term wealth building.
Mogo Inc. (MOGO) - Canvas Business Model: Channels
You're looking at how Mogo Inc. (MOGO) gets its products and services in front of customers as of late 2025. The channel strategy clearly splits between direct-to-consumer digital engagement and a business-to-business (B2B) technology offering.
Mogo's unified mobile and web application for all consumer products
The core consumer channel is the unified application, which is evolving under the MOGO 3.0 initiative to become fully AI-native. This platform aims to consolidate wealth and lending products into a single experience, centered around Intelligent Investing. As of the third quarter of 2025, Mogo's total membership stood at 2.29 million, reflecting a 6% year-over-year growth. This app is the primary interface for members to access features like commission-free stock trading and wealth management tools. The rollout of the unified, behaviorally aligned system began in Q3 2025 and is set to continue into Q1 2026, aiming to improve investor outcomes through behavioral discipline.
The scale of the consumer base and platform engagement is reflected in these key metrics:
- Total Mogo members as of Q3 2025: 2.29 million.
- Year-over-year membership growth (Q3 2025): 6%.
- Wealth Assets Under Management (AUM) reached a record high in Q3 2025: $498 million.
- Wealth Revenue growth year-over-year in Q3 2025: 27%.
Direct B2B sales channel for Carta Worldwide's payments platform
The Carta Worldwide subsidiary serves as a distinct B2B channel, providing issuer processing technology to fintech companies, banks, and corporations globally. This channel is a significant driver of transaction-based revenue. While the overall payments volume for Q1 2025 was reported at $3.2 billion, the focus has shifted geographically. For Q3 2025, the company reported that Payments Revenue was up 11% year-over-year. To be fair, this growth is heavily weighted toward international markets, as Mogo ceased payments operations in Canada to focus on Europe.
Here's a look at the B2B payments performance, using the most recent available segment data:
| Metric | Q3 2025 Value | Year-over-Year Change |
| Payments Revenue (Total) | $2.4 million | 11% Increase |
| European Payments Revenue (Ex-Canada) | $2.4 million | 11% Increase (vs. $2.2 million in Q3 2024) |
Digital marketing and online content focused on financial health
The channel for acquiring and engaging the consumer base relies heavily on digital marketing and content, which is framed around improving financial health and intelligent investing. This strategy directly feeds the growth in the wealth segment. The focus on behavioral discipline, as part of the Intelligent Investing platform, is a key content differentiator. The success of this approach is visible in the growth of assets managed through the platform, which hit $498 million in Q3 2025.
The financial impact of this channel focus is clear when looking at the Subscription & Services revenue, which includes wealth and payments:
- Adjusted Subscription & Services Revenue in Q3 2025: $10.3 million.
- Growth in Adjusted Subscription & Services Revenue in Q3 2025: 7% year-over-year.
- The Rule of 40 score for Subscription & Services in Q3 2025 was 18.2% (calculated from 6.6% growth + 11.6% margin).
Strategic product integrations (e.g., potential Bitcoin-backed credit)
A notable part of Mogo Inc.'s strategy involves capital allocation and integration of hard assets, which serves as a unique channel differentiator and a strategic asset. While specific numbers for a Bitcoin-backed credit product aren't detailed, the company's treasury strategy is transparent. They significantly increased their exposure to Bitcoin during Q3 2025.
The scale of this strategic asset holding as of Q3 2025 is:
- Bitcoin Holdings increase from Q2 2025: Over 300% Quarter-over-Quarter.
- Book value of Bitcoin Holdings as of Q3 2025: $4.7 million.
The total cash and investments position as of the end of Q3 2025 was $46.1 million, which included $20.8 million in marketable securities and $7.1 million in private investments. Finance: draft 13-week cash view by Friday.
Mogo Inc. (MOGO) - Canvas Business Model: Customer Segments
You're looking at the core groups Mogo Inc. (MOGO) targets across its digital wealth and payments ecosystem as of late 2025. The focus has clearly shifted to scaling the platform for growth while managing legacy lines cautiously.
Canadian retail consumers seeking financial health and wealth tools represent the broad base of the platform. As of the third quarter of 2025, Mogo served a total membership base of 2.29 million members. That figure shows a year-over-year increase of 6%, indicating continued, albeit measured, adoption of their unified financial management tools. This segment uses the platform for credit score monitoring, identity fraud protection, and access to their Intelligent Investing platform.
Behaviorally-focused investors prioritizing long-term discipline over activity are central to the wealth proposition, now unified under Intelligent Investing. This group is driving significant asset growth. Assets Under Management (AUM) hit a record $498 million CAD in Q3 2025, marking a 22% increase year-over-year. The monetization of this focus is evident in the Wealth Revenue, which grew 27% year-over-year to reach $3.7 million CAD in Q3 2025. The platform is explicitly designed to counter poor investor behavior, centering on temperament over activity.
Here's a quick look at the scale across the primary revenue-generating segments as of Q3 2025:
| Segment Metric | Value (Q3 2025) | Year-over-Year Change |
| Total Members | 2.29 million | 6% increase |
| Assets Under Management (AUM) | $498 million CAD | 22% increase |
| Wealth Revenue | $3.7 million CAD | 27% increase |
| Payments Revenue | $2.4 million CAD | 11% increase |
Global and European fintechs and corporations needing card issuing services are served through the wholly-owned subsidiary, Carta Worldwide. This business line is now primarily focused outside of Canada, as Mogo ceased payments operations in Canada effective at the end of Q1 2025. The European focus is showing traction.
- Payments Volume (excluding Canada) reached $2.8 billion in Q3 2025.
- Payments Revenue increased 11% year-over-year to $2.4 million CAD in Q3 2025.
- The platform powers next-generation card programs for established corporations and fintech companies, with historical clients including TransferWise.
The subprime consumer lending market in Canada (legacy business line) is being managed with caution due to macroeconomic uncertainty. Management anticipates taking a more cautious approach to loan originations. As a result, interest revenue from the lending business is expected to decrease by approximately 8-10% for the full fiscal year 2025. This signals a deliberate de-emphasis on this segment relative to the growth pillars of wealth and payments.
Finance: draft 13-week cash view by Friday.
Mogo Inc. (MOGO) - Canvas Business Model: Cost Structure
You're looking at the core expenditures that power Mogo Inc.'s operations as of late 2025. Honestly, understanding these costs is key to seeing where the company is putting its capital to work, especially with the push toward AI and platform consolidation.
Technology development and AI integration costs (Mogo 3.0 initiative)
- Technology and development expenses totaled $5.6 million for the six months ended June 30, 2025.
- The Mogo 3.0 initiative is the internal drive to become a fully AI-native company, which involves consolidating platforms and automating workflows.
Sales and marketing expenses for member acquisition and platform growth
- Specific 2025 Sales and Marketing expense figures aren't immediately available in the latest reports.
- The strategy has involved pursuing strategic partnerships to help reduce marketing expenses while maintaining growth focus.
Interest expense on the senior secured credit facility (7% plus SOFR)
- The senior secured credit facility was amended in February 2025 to a lower rate of 7% plus SOFR, down from 8% plus SOFR.
- The latest reported annual interest expense on the credit facility, for the year ended December 31, 2023, was $6,064,000 (in thousands of Canadian dollars).
Personnel and operational costs for the global payments business (Carta)
- Total operating expenses for the third quarter ended September 30, 2025, were $12.4 million.
- Transaction costs, which include transaction processing costs related to the Carta business, were $5.2 million for the three months ended September 30, 2025.
Here's a quick look at some of the most recent, concrete cost-related figures we have for fiscal 2025 (all amounts in thousands of Canadian dollars unless otherwise noted):
| Cost Category Detail | Period Ended | Amount (CAD) |
| Technology and development expenses | June 30, 2025 (Six Months) | 5,600 |
| Transaction costs (includes Carta processing) | September 30, 2025 (Three Months) | 5,200 |
| Total operating expenses | September 30, 2025 (Three Months) | 12,400 |
| Interest expense on credit facility (Historical Benchmark) | December 31, 2023 (Annual) | 6,064 |
The company is clearly prioritizing investment in technology, as seen with the Mogo 3.0 initiative, while managing overall operating expenses, which were flat year-over-year in Q3 2025, even as revenue grew.
Mogo Inc. (MOGO) - Canvas Business Model: Revenue Streams
You're looking at the revenue engine for Mogo Inc. as of late 2025, focusing on the hard numbers from their Q3 2025 report. It's a mix of recurring subscription fees, transaction-based income, and strategic asset realization. Honestly, the shift in focus away from Canadian lending is clear in these figures.
The core platform revenue streams showed solid growth in the third quarter of 2025. Here's the quick math on the two main operational segments:
| Revenue Stream Component | Q3 2025 Amount (CAD) | Year-over-Year Growth |
|---|---|---|
| Wealth Revenue | $3.7 million | 27% |
| Payments Revenue | $2.4 million | 11% |
| Adjusted Subscription & Services Revenue | $10.3 million | 7% |
The Adjusted Subscription & Services Revenue hit $10.3 million (CAD) in Q3 2025, representing a 7% increase year-over-year. This stream is seen as durable because it's mostly recurring revenue-based.
Regarding the consumer lending portfolio, Interest Revenue was actually down 5% in the quarter, which management attributed to a new rate cap implemented at the start of the year. Still, it was up slightly on a sequential basis, showing some underlying portfolio growth.
The lending book is strategically expected to shrink as a percentage of the overall business, with future top-line growth intended to come from wealth and payments.
Monetization of strategic investments provided a notable cash boost. Mogo monetized approximately $13.8 million from its investment in WonderFi Technologies Inc. in the preceding quarter, which helped fund other capital allocation priorities.
This capital flexibility was evident as Mogo increased its Bitcoin holdings by over 300% quarter-over-quarter, reaching $4.7 million in Bitcoin by the end of Q3 2025. On a consolidated basis, total cash increased in the quarter by almost $7 million, reflecting the impact of these portfolio monetizations.
You can see the revenue composition breaking down like this:
- Wealth Revenue: $3.7 million, up 27% YoY.
- Payments Revenue: $2.4 million, up 11% YoY.
- Adjusted Subscription & Services Revenue: $10.3 million, up 7% YoY.
- Interest Revenue: Down 5% YoY for the quarter.
- Strategic Investment Proceeds: Realized $13.8 million from WonderFi monetization.
Finance: draft 13-week cash view by Friday.
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