Customer DemographicsOnly older demographics are calling in to make payments, indicating a potential disconnect with younger, tech-savvy customers.
Economic EnvironmentInflation and economic uncertainty are challenging the value-conscious customer base, increasing the demand for pawn loans and potentially leading to higher default risks.
Regional Financial PerformanceIn Latin America, the average loan amount is significantly lower than in the U.S., as customers are bringing in cheaper goods, which may impact profitability.