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    Pete Christiansen

    Director and Senior Equity Research Analyst at Citigroup Inc.

    Peter Christiansen is a Director and Senior Equity Research Analyst at Citigroup Inc., specializing in the coverage of payments, processors, and information services companies. Throughout his career spanning over two decades at major institutions including Citi and Merrill Lynch, Christiansen has provided in-depth research on firms such as Visa, Mastercard, Fiserv, and Global Payments, earning recognition for his insightful sector analysis and consistently strong investment recommendations. After beginning his career in equity research, he advanced from Vice President to Director at Citi, leveraging extensive industry knowledge to inform clients and drive growth in his coverage universe. A CFA charterholder, Christiansen also holds multiple securities licenses and maintains an active FINRA registration.

    Pete Christiansen's questions to Coinbase Global (COIN) leadership

    Pete Christiansen's questions to Coinbase Global (COIN) leadership • Q2 2025

    Question

    Pete Christiansen from Citigroup asked about Coinbase's customer service strategy, particularly in light of the recent data breach, and how the company's efforts in this area could improve user satisfaction.

    Answer

    President & COO Emilie Choi stated that the company is re-evaluating its BPO strategy, bringing more functions in-house, and investing heavily in AI and automation. CFO Alesia Haas confirmed the company is hardening its systems. CEO Brian Armstrong added that they have opened a new support office in Charlotte, NC, and issued a $25M bounty to aid law enforcement.

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    Pete Christiansen's questions to Coinbase Global (COIN) leadership • Q2 2025

    Question

    Pete Christiansen from Citigroup inquired about Coinbase's customer service strategy, particularly in light of the recent data breach, and how the company's efforts in this area could improve user satisfaction levels.

    Answer

    President & COO Emilie Choi stated that the company is re-evaluating its BPO strategy, bringing more functions in-house, and increasing its focus on AI and automation while ensuring quality control. CFO Alesia Haas added that they are hardening systems and investing in platform security. CEO Brian Armstrong also mentioned the opening of a new customer support office in Charlotte, NC, and a bounty offered to help catch the threat actors.

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    Pete Christiansen's questions to Pagaya Technologies (PGY) leadership

    Pete Christiansen's questions to Pagaya Technologies (PGY) leadership • Q2 2025

    Question

    Pete Christiansen inquired about Pagaya's discussions with potential new banking partners, particularly large card issuers, regarding BNPL capabilities. He also asked about the transformational impact of the recent successful bond offering on the company's capital structure and reputation.

    Answer

    Co-Founder and CEO Gal Krubiner confirmed that banks, including those with large credit card businesses, are increasingly looking to partner with Pagaya for growth initiatives like BNPL, driven by a stabilizing environment. CFO Evangelos Perros added that the bond offering is a transformational step, reducing risk, lowering debt costs, improving cash flow, and opening access to deeper institutional capital markets.

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    Pete Christiansen's questions to Pagaya Technologies (PGY) leadership • Q2 2025

    Question

    Pete Christiansen inquired about Pagaya's discussions with potential new bank partners, particularly large card issuers, regarding Buy Now, Pay Later (BNPL) capabilities. He also asked about the transformational impact of the recent successful bond offering.

    Answer

    Co-Founder and CEO Gal Krubiner confirmed strong interest from banks in growth collaborations like BNPL, noting a stabilizing regulatory environment and several signed term sheets. CFO Evangelos Perros described the bond offering as a pivotal, risk-reducing event that lowers debt costs, improves cash flow, simplifies the capital structure, and opens access to deeper institutional capital pools.

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