Mogo is a digital financial brand who is appealing to the next generation of consumers looking for a more Uber-like experience in finances. Uber disrupted the taxi industry and Mogo is looking to disrupt the banking industry, so getting access to money online within three minutes from your phone in a very easy transparent way, tells you your daily spends and other financial tools like that. So we love gamification at Mogo we use gamification when we develop products such as our level-up program which rewards you for on-time payments with a lower interest rate every 12 months. Our customer demographic at Mogo is Millennials. It’s more of a behaviour. So that behaviour would be someone who’s looking to access their finances online in a more convenient way.