EZCORP (NasdaqGS:EZPW) Q1 2026 Earnings call February 05, 2026 09:00 AM ET Company ParticipantsLachlan Given - CEOSean Mansouri - Head of Investor RelationsTim Jugmans - CFOConference Call ParticipantsAndrew Scutt - AnalystBrian McNamara - AnalystJonathan Weitz - AnalystKyle Joseph - AnalystRaj Sharma - AnalystZach Oster - AnalystOperatorGood morning, ladies and gentlemen. Welcome to the EZCORP first quarter fiscal 2026 earnings call. At this time, all participants are in a listen-only mode. Later, we will ...

EZCORP (NasdaqGS:EZPW) Q1 2026 Earnings call February 05, 2026 09:00 AM ET Speaker3Good morning, ladies and gentlemen. Welcome to the EZCORP first quarter fiscal 2026 earnings call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session, and instructions will follow at that time. As a reminder, this call may be recorded. I'd now like to turn the conference over to Sean Mansouri, the company's investor relations advisor with Elevate IR. Please go ahead, ...

Core Viewpoint - The article discusses the historical context and decline of the layaway payment system, contrasting it with the modern "buy now, pay later" (BNPL) options that have gained popularity among consumers [1][2]. Group 1: History and Popularity of Layaway - Layaway originated during the Great Depression in the 1930s as a means for retailers to help customers pay over time without incurring credit risk [3]. - The system remained popular into the 1980s and 1990s, allowing consumers to reserve items without credit checks and without interest, making it accessible for lower-income shoppers [4]. - Major retailers like Sears, Kmart, and Walmart promoted layaway, which served as an inclusive marketing strategy, especially during holiday shopping [5]. Group 2: Decline of Layaway - Layaway lost its appeal over time due to the emergence of new financial tools and changing shopping habits, which made it feel slower and less convenient compared to modern payment options [6]. - Factors contributing to the decline included easier access to credit and the rise of online shopping, which shifted consumer preferences away from traditional layaway systems [6].