Date of Publication


Document Type

Bachelor's Thesis

Degree Name

Bachelor of Science in Business Management

Subject Categories

Technology and Innovation


Ramon V. Del Rosario College of Business


Decision Sciences and Innovation Dept

Thesis Advisor

Raymund Dimaranan

Defense Panel Chair

Cristina Teresa Lim

Defense Panel Member

Rivka Tempongko Nagtalon


Since 1890, pawnshops have existed in the Philippines. It is one of the first forms of credit in the Philippines, and the majority of Filipinos may still access it and utilize it for short-term cash loans. Pawnshop offices and branches outweigh the combined physical network of universal, commercial, thrift, rural, and cooperative banks by more than half, illustrating the industries' immense reach to the nation's neglected and unserved areas at this crucial time. Due to the ease and comfort of using digital technology, an Indonesian public accounting company predicts that fin-tech businesses will take over 83 percent of traditional financial services organizations. It is essential to examine the relationship between pawnshop use and the established predictors, namely financial well-being, financial knowledge, and access to credit while examining the impact of technology as a moderating variable in light of the retroactive change in the characteristics of pawnshop clients and the momentum of technological integration in various industries. The study employed quantitative study design. Non-probability convenience sampling was applied to gather data from the three research locales, Pawnshop A, B, and C. The researchers utilized a modified survey questionnaire to examine the perception of pawnshop use, financial well-being, financial knowledge, and access to credit. The study’s findings were processed and analyzed with descriptive statistics such as weighted mean, standard deviation, simple linear regression analysis, and partial least square- structural equation modeling. The results revealed that the pawnshop use of the existing client base of the medium sized, traditionally operated pawnshop is not moderated by technology. However, it is imperative to note that financial well-being, financial knowledge, and access to credit have significant relationships with pawnshop use.

Abstract Format







Pawnbroking—Technological innovations—Philippines; Pawnbrokers—Philippines

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