It is an open secret that the new generation is impatient and seeks instant gratification, which traditional banking products like bank loans and checking accounts are not satisfying. Coupled with a general distrust of mainstream financial institutions after the Global Financial Crisis, this has resulted in an increasing proportion of unbanked and underbanked consumers. First Cash Financial Services, Inc. (NASDAQ: FCFS ) is the best proxy for the growth in pawnshops to capitalize on consumers' need for access to instant cash or credit. However, the market is efficient and has rewarded First Cash with premium valuations relative to its peers. Investors are advised to wait for a better entry price. The next best alternative to banks Close to 28% of U.S. households are either unbanked or underbanked, according to a September 2012 Federal Deposit Insurance Corporation National Survey.