Zogo

What Zogo does

Zogo Finance is a B2B SaaS company that delivers gamified financial education to end users through its own mobile and web apps, a white-label mobile offering, and an embeddable SDK called Zogo 360 that places financial literacy modules inside the digital banking surfaces of partner institutions. The platform is built on a content library of more than 1,200 modules aligned to Jump$tart national standards, with localized variants including Zogo Español, and exposes a Partner Portal Analytics layer that lets institutions track learner engagement and outcomes. Its underlying technology combines a recommendation engine for personalized learning paths with algorithm-driven content sequencing, and recent product moves — Money Minute (short-form daily lessons) and the Zogo 360 SDK — are designed to move from standalone app distribution to embedded, in-context learning inside partner apps.

Zogo sells primarily on a SaaS licensing basis to US financial institutions, with tiered offerings spanning a white-label app, web/desktop modules, the Zogo 360 SDK, and an analytics/partner portal, supplemented by education-channel distribution through a College Board / BigFuture partnership. Its customer base of 200-250+ institutions spans credit unions and community banks, fintechs (notably Chime and Sezzle), large insurers (New York Life), large card issuers (American Express), and educators, giving it breadth across both regulated depository institutions and consumer fintechs. The company is a private Delaware corporation headquartered in Austin, Texas, with 11-50 employees, and operates under the ownership or affiliation of Peak6, a private investment firm. Strategic emphasis through 2024-2026 has been on deeper distribution via core/digital banking platform integrations (Q2, NCR, Jack Henry Banno) and on broadening the user base beyond depositors into students and BNPL users.

Name

Zogo

Legal name

Zogo, Inc.

Website

https://zogo.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Zogo Finance is a B2B SaaS platform that delivers gamified financial education through mobile, web, and an embeddable SDK to 200-250+ US financial institutions, fintechs, insurers, and educators, with Peak6 ownership and Austin, TX headquarters.

Ownership category

akta.pro rank

Product category

Financial Education Software

NAICS

Business Schools and Computer and Management Training (6114)

akta.pro primary industry

Interactive Learning Games & Gamified Courseware (EDAGALAL)

akta.pro secondary industry

Online Learning Content & Course Publishing Platforms (BPAMAJAL)

Keywords

• Financial education platform
• Gamified learning software
• Mobile banking integration
• Financial literacy SDK
• White-label education app

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. B2B SaaS Platform Licensing: Zogo generates revenue by licensing its gamified financial education platform to financial institutions (credit unions, community banks, fintechs). Partners pay for access to the platform, SDK integrations, white-label solutions, and partner portal analytics. Users sponsored by partners access the platform for free.
2. Embedded Integration Services: Revenue from embedding Zogo's platform into partner mobile banking apps and digital ecosystems via SDK. Includes customization and co-branding options.
3. Custom Content & Module Creation: Partners can create custom modules within Zogo's existing curriculum to target specific educational needs and bring exposure to their brand.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels8 records

Core offering

Zogo provides a gamified financial education platform licensed to financial institutions through its Zogo 360 SDK, a white-label mobile app, and a browser-based web product (Zogo Classroom). The platform delivers bite-sized interactive modules covering personal finance topics, paired with points-based rewards, branded gift cards, and analytics. It is sold on a B2B SaaS basis to credit unions, community banks, fintechs, and enterprises who deploy it to their end users.

Product overview

Zogo is a gamified financial education platform offering a multi-product suite designed to help financial institutions boost customer engagement and retention. The core portfolio consists of Zogo 360 Integration (SDK for embedding into banking apps), the Zogo Mobile App (white-label iOS/Android app), and Zogo Web/Desktop (browser-based platform including Zogo Classroom for schools). These products share a common content library of 1,200+ interactive modules across 8 categories and are powered by the Partner Portal for analytics and insights. Key features include personalized learning pathways, the Money Minute real-time news feature, Zogo Español Spanish language content, and customizable rewards. The platform uses gamification mechanics including points (Coins/Pineapples), leaderboards, streaks, hearts, and badges to incentivize learning completion.

Differentiator

Problem solved

Functional benefit

Brands

• MoneyIQ: In-app financial education program powered by Zogo, launched in partnership with Sezzle, that rewards users with Sezzle cash for completing educational modules.
• Zogo 360 Integration
• Money Minute
• Zogo Español

Products and services

• Zogo 360 Integration SDK product that enables financial institutions to embed Zogo's gamified financial education modules directly into their own mobile banking apps, allowing end users to learn personal finance topics without leaving the bank's app.
• Zogo Mobile App White-label mobile application that partner financial institutions can rebrand and publish under their own name in the App Store and Google Play to deliver gamified financial education to their customers.
• Zogo Web (Zogo Classroom) Browser-based version of the Zogo platform, also known as Zogo Classroom, that delivers gamified personal finance modules via the web for students, teachers, and end users without requiring a mobile app download.
• Partner Portal Analytics and operations dashboard for Zogo's financial institution partners to monitor end-user engagement, learning progress, completion rates, and program outcomes on the Zogo platform.

Quantifiable outcome

• 95% of learners report increased financial confidence
• +9 more outcomes

Named customers14 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability4 records

Feature6 records

Partnerships

14 partnerships are on record, tiered core, major, flagship and minor.

• BigFuture (College Board)coreStrategic or Co-development Partner · 5 September 2024Partnership to provide free financial education modules to high school students and families. First module 'Apply for Scholarships and Grants' available in Zogo app. Leverages Zogo's interactive content with BigFuture's broad reach to address financial literacy gaps.
• Q2coreTechnology or IntegrationTechnology integration partner enabling Zogo's financial education platform to be embedded within Q2's digital banking solutions used by financial institutions.
• NCRcoreTechnology or IntegrationTechnology integration partner enabling Zogo's platform to be embedded within NCR's digital banking and payment solutions.
• Jack Henry BannocoreTechnology or IntegrationTechnology integration partner enabling Zogo's platform to be embedded within Jack Henry Banno's digital banking platform.
• ChimemajorStrategic or Co-development PartnerChime offers Zogo's gamified financial education to its customers as part of its mobile banking experience to improve financial literacy among its user base.
• New York LifemajorStrategic or Co-development PartnerPartnership with New York Life for financial education initiatives. New York Life participated in Zogo Effect 2026 event. Part of NY Life's financial wellness and ESG initiatives.
• American ExpressmajorStrategic or Co-development PartnerAmerican Express partnered with Zogo in 2021 for a pilot program offering custom-tailored content and incentives. Zogo featured in Amex's ESG report as an innovative startup partnership supporting financial literacy for Gen Z users.
• SezzleflagshipStrategic or Co-development PartnerZogo powers Sezzle's MoneyIQ financial literacy tool. Over 1 million lessons completed in under a year. Users earn Sezzle cash for completing educational modules. 200,000+ users. 91% find tool helpful, 90% report increased confidence.
• Tucson Federal Credit UnionflagshipStrategic or Co-development PartnerZogo integrated into TFCU's mobile banking app. Results: $400k in new deposits, $300k in loans originated, 41% of membership active Zogo users (21,667 members), 5-7% increase in online banking enrollment, 500+ new accounts.
• Educators Credit UnioncoreStrategic or Co-development PartnerWhite-label app solution for reaching next generation of members. Internal rollout achieved 75%+ staff engagement. Majority of users in 13-25 age range. Platform used at youth-facing events and through digital campaigns.
• SpringFourcoreChannel Partner/ Reseller/ DistributorOppFi delivers 173,792 financial health referrals through SpringFour partner. SpringFour provides resources to help customers manage household expenses.
• NasdaqcoreStrategic or Co-development PartnerFeatured partner in 'Transforming Investing for the Next Generation' webinar. Joint discussion on democratizing investing landscape and future of investor education.
• BusyKidminorStrategic or Co-development PartnerFeatured in Zogo Effect 2026 event discussing engaging next generation. BusyKid provides financial tools for kids.
• Q2 Innovation StudiocoreTechnology or IntegrationJoint webinar on financial wellness innovation. Q2 Innovation Studio collaborates with Zogo on mobile banking experiences and financial wellness programming.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Greenlight: Greenlight is a financial education and money management platform for kids and teens, with a debit card and parent-managed app. It competes directly with Zogo for the same Gen Z/teen financial literacy wallet within credit unions, banks, and families.
• BusyKid: BusyKid provides kids' financial education tools including chore-based allowance, saving, and investing. Like Zogo, it targets financial literacy for younger users; Zogo lists BusyKid as an event partner, underscoring direct category overlap.
• Goalsetter: Goalsetter is a financial education and literacy platform aimed at kids and teens, often sold into schools, credit unions, and financial institutions. It is highly comparable to Zogo on target demographic and B2B2C distribution model.
• EverFi (Blackbaud): EverFi provides digital financial literacy curricula to schools, banks, and employers. It is a direct competitor to Zogo's educator and financial institution segments with comparable content library and analytics capabilities.
• iGrad (Enrich Financial Wellness): iGrad offers financial wellness and education platforms to financial institutions, employers, and universities. It overlaps with Zogo on financial institution and enterprise (employee benefit) segments but skews older in demographic focus.

Broad incumbents

• Stash: Stash is an investing and financial education platform combining content with brokerage accounts. It overlaps with Zogo on financial literacy for younger users and on subscription-based consumer engagement.
• Dave: Dave is a consumer banking/financial wellness app with educational content and money management features. It competes with Zogo's consumer app and white-label offerings at the consumer-engagement layer.
• MoneyLion: MoneyLion is a broader consumer fintech platform that includes financial education, banking, lending, and investing. It overlaps with Zogo where it offers embedded financial wellness content to its members and via partner channels.
• Khan Academy (Personal Finance): Khan Academy offers free, high-quality personal finance content for students and adults, including curriculum mapped to standards. It is a free alternative and indirect competitor for Zogo's educator and consumer segments.

Emerging players

• CashCourse (NEFE): CashCourse is a nonprofit financial education resource for college students operated by NEFE. It overlaps with Zogo's student/young-adult segment and represents a non-commercial benchmark in the same category.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/zogoapp
• LinkedInlinkedin.com/company/zogo-inc
• Instagraminstagram.com/learnwithzogo
• Xx.com/zogofinance

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Zogo