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    Rob Wildhack • Autonomous Research

    Rob Wildhack's questions to Shopify Inc (SHOP) leadership

    Rob Wildhack's questions to Shopify Inc (SHOP) leadership • Q1 2025

    Question

    Rob Wildhack from Autonomous Research inquired about the new merchant acquisition pipeline for both SMB and enterprise, questioning if market uncertainty was causing hesitation among potential new customers.

    Answer

    President Harley Finkelstein countered that market uncertainty is actually accelerating the move to Shopify, especially for larger brands. He explained that legacy and custom-built platforms are being exposed as slow and restrictive, driving brands to seek Shopify's agility, lower total cost of ownership, and rapid feature deployment. He confirmed the new merchant pipeline has not slowed down.

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    Rob Wildhack's questions to Synchrony Financial (SYF) leadership

    Rob Wildhack's questions to Synchrony Financial (SYF) leadership • Q4 2024

    Question

    Rob Wildhack asked for insight into the expected progression of loan growth throughout 2025 and what waypoints to watch for a potential loosening of credit. He also sought clarification on the 2025 deposit beta assumption of 60% compared to prior commentary.

    Answer

    EVP and CFO Brian Wenzel projected that Q1 would be the most challenging for loan growth, with acceleration expected through the rest of the year. He clarified that loosening credit is not in the base plan but could be considered later, with a key waypoint being the successful delivery on the 2025 charge-off guidance. On deposit betas, he explained the 60% assumption reflects the typical lag for digital banks and the timing of the single rate cut assumed late in the year.

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