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    Chris Zhang

    Vice President and Equity Research Analyst at UBS

    Chris Zhang is a Vice President and Equity Research Analyst at UBS, specializing in coverage of technology and financial services companies including Wix.com and International Money Express. He has delivered notable performance with a most profitable rating generating a +68.1% return on Wix.com stock over the one-year period from May 2023 to May 2024, while maintaining a 45.45% success rate across his recommendations. Zhang began his analyst career at UBS and holds relevant securities credentials, including FINRA registration and equities licenses. His work has been recognized on professional platforms for providing comprehensive sector analysis and actionable investment advice.

    Chris Zhang's questions to Global-E Online (GLBE) leadership

    Chris Zhang's questions to Global-E Online (GLBE) leadership • Q2 2025

    Question

    Chris Zhang of UBS Group AG asked for confirmation on the timing of the Shopify rev-share reduction and its impact on the EBITDA guide, particularly the implied Q4 margin step-up. He also inquired about the potential impact of making Shop Pay available on the 3P side.

    Answer

    CFO Ofer Koren confirmed the rev-share reduction will occur late in Q3, with its full effect in Q4, and is factored into guidance, which should improve adjusted EBITDA over time. Co-Founder and President Nir Debbi added that Shop Pay is expected to launch late Q3/early Q4 and be heavily adopted by merchants, but Shopify Payments itself is not planned for the 3P solution, only for the 1P managed markets model.

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    Chris Zhang's questions to BIGC leadership

    Chris Zhang's questions to BIGC leadership • Q4 2024

    Question

    Asked for customer feedback on the new Catalyst offering and for details on foreign exchange assumptions in the full-year guidance.

    Answer

    Customer feedback on Catalyst has been positive, with customers appreciating its agility and speed. The future strategy involves offering pre-composed versions for specific industries. Foreign exchange exposure is immaterial to the business and not a significant factor in the guidance.

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    Chris Zhang's questions to International Money Express (IMXI) leadership

    Chris Zhang's questions to International Money Express (IMXI) leadership • Q3 2024

    Question

    Chris Zhang asked for a prioritized list of near-term investment needs beyond digital and inquired about the customer impact of changing the loyalty points expiration policy.

    Answer

    CEO Robert Lisy stated that the core investment focus is exclusively on digital customer acquisition, as other business areas are fully staffed and efficient. He anticipates some costs, like customer care, will decrease as digital's share grows. Regarding the loyalty program change (expiring points in 90 vs. 180 days), Lisy asserted it is expected to have no impact on customer retention, as the key benefit of faster service for loyalty members remains intact.

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