Pawnshop Consulting Group
WORLD-CLASS PAWNSHOP CONSULTING
Home
Consulting
Operational Consulting
Financial Analysis & KPIs
Compensation & Productivity
Recruiting & Management Placement
Business Strategy
E-Commerce & Digital
Bookkeeping & Accounting
Valuations & M&A
Pawn Shop Valuations
Sell Your Pawn Shop
Buy A Pawn Shop
Mergers & Acquisitions
Exit & Succession Planning
About PCG
Jerry Whitehead
PCG Track Record
Awards & Recognition
Blog
Resources
Guides & Downloads
Published Works
Case Studies
Contact
PCG Pawn Industry Cash Access and Payout Survey
Please enable JavaScript in your browser to complete this form.
Please enable JavaScript in your browser to complete this form.
Your Name
First
Last
Email Address
Pawnshop or Company Name
How many pawnshop locations does your company operate?
*
— Select Choice —
1 Location
2-5 Locations
6-10 Locations
11-25 Locations
26-50 Locations
More than 50 Locations
In which state or states do your pawnshops operate?
*
Please list every state in which your company currently operates pawnshop locations.
Address experience an
Which pawn point-of-sale system or systems do your stores currently use?
*
Bravo Store Systems
PawnMaster
PawnMate
PawnSnap
Pawn Shop Pro
Pawn Dex
Proprietary or Internally Developed System
Other
If you selected Other, please identify the system.
During the past two years, has obtaining sufficient physical cash for your pawnshop operations become more difficult?
*
Much more difficult
Somewhat more difficult
No significant change
Somewhat easier
Much easier
Not sure
Which cash-access or cash-management challenges has your company experienced?
*
Bank withdrawal limits
Advance-notice requirements for large currency orders
Insufficient cash available at local branches
Repeated trips to multiple banking locations
Additional bank questions or documentation requirements
Delays obtaining requested currency denominations
Armored-car scheduling or service limitations
Increasing armored-transportation costs
Employee safety or security concerns
Robbery, theft or loss concerns
We have not experienced any of these challenges
Other
Select all that apply. If you selected Other, please describe the challenge.
How often does an average location make an unplanned bank trip or experience a cash shortage?
*
Never
Less than once per month
1–3 times per month
About once per week
Several times per week
Varies significantly by location
Prefer not to answer
Has limited cash availability ever delayed, reduced or prevented a customer loan or merchandise-purchase transaction?
*
Never
Rarely
Occasionally
Frequently
Very frequently
Not sure
Prefer not to answer
Approximately what percentage of your pawn-loan proceeds are currently paid to customers in physical cash?
*
— Select Choice —
Less than 25%
25%–49%
50%–74%
75%–89%
90%–99%
100%
Not sure
Prefer not to answer
Approximately what percentage of your outright merchandise-purchase payments are currently paid to customers in physical cash?
*
— Select Choice —
Less than 25%
25%–49%
50%–74%
75%–89%
90%–99%
100%
Not sure
Prefer not to answer
What is the most common pawn-loan payout amount at your stores?
*
— Select Choice —
Under $100
$100–$249
$250–$499
$500–$999
$1,000–$2,499
$2,500–$4,999
$5,000 or more
Varies significantly by location
Not sure
Prefer not to answer
What is the most common outright merchandise-purchase payout amount at your stores?
*
— Select Choice —
Under $100
$100–$249
$250–$499
$500–$999
$1,000–$2,499
$2,500–$4,999
$5,000 or more
Varies significantly by location
Not sure
Prefer not to answer
Approximately how much physical cash must an average location maintain during normal operations?
*
— Select Choice —
Under $25,000
$25,000–$49,999
$50,000–$99,999
$100,000–$249,999
$250,000–$499,999
$500,000 or more
Varies significantly by location
Not sure
Prefer not to answer
Please select a range only. Exact cash positions are not requested.
If enough customers voluntarily selected an electronic payout, by approximately what percentage could an average store safely reduce its physical cash on hand?
*
— Select Choice —
No meaningful reduction
Less than 10%
10%–24%
25%–39%
40%–49%
50% or more
Not sure without testing
Prefer not to answer
Approximately what percentage of your customers do you believe carry an eligible debit card?
*
— Select Choice —
Less than 25%
25%–49%
50%–74%
75%–89%
90% or more
Not sure
Approximately what percentage of your customers currently use Apple Pay, Google Pay or another mobile wallet?
*
— Select Choice —
Less than 25%
25%–49%
50%–74%
75%–89%
90% or more
Not sure
Would your company consider offering customers a secure electronic payout option alongside cash?
*
Definitely yes
Probably yes
Possibly, depending on cost and POS integration
Possibly, depending on compliance and fraud controls
Probably not
Definitely not
Not sure
If offered voluntarily alongside cash, what percentage of customers do you believe would select an electronic payout?
*
— Select Choice —
Less than 10%
10%–24%
25%–39%
40%–49%
50%–74%
75% or more
Not sure without testing
What would be your company’s primary concerns about offering an electronic customer-payout option?
*
Per-transaction cost
Fraud or unauthorized transactions
Customer identification and compliance requirements
Failed or rejected payouts
Disputes and error resolution
Settlement timing
Store reconciliation and accounting
Pawn POS integration
Customer adoption
Data privacy and cybersecurity
State-specific legal requirements
Employee training and support
Maintaining cash as a customer option
Other
Select all that apply.
How would your company most likely treat a reasonable electronic-payout fee?
*
Absorb it as an operating cost
Pass it to the customer where legally permitted
Share the cost with the customer where legally permitted
Use different approaches based on payout amount
It would depend on the actual fee
We would not participate if any fee applied
Not sure
What is the maximum flat per-payout fee your company would consider economically reasonable?
*
— Select Choice —
No fee
Less than $1.00
$1.00–$1.99
$2.00–$2.99
$3.00–$4.99
$5.00 or more
It would depend on the payout amount
Not sure without more information
Prefer not to answer
Would your company consider participating in a limited future electronic-payout test?
*
Yes, please contact me
Possibly, depending on the details
Not at this time
No
May Pawnshop Consulting Group contact you privately to discuss your survey responses?
*
Yes
No
If you select Yes, please make sure your name and email address are entered at the beginning of the survey.
What else should PCG understand about your company’s cash-access challenges, banking experiences or customer-payout needs?
Please do not include account numbers, bank credentials or other confidential banking information.
Submit Industry Survey
