Major changes are underway in the U.S. retail banking sector toward heavy investments in technology and fewer in personnel. Using the 2017 survey of household economics and decision‐making (SHED) (n = 11,359), we examine the relationship between saving behavior related to emergency, long‐term and periodic expenses and personal, technological, and hybrid bank account access methods. Binary logistic regression models were used to estimate the odds of reporting various saving behaviors in relation to various banking access methods. Findings suggest that the personal access method is positively associated with savings behavior for periodic expenses for the general population, and negatively associated with emergency savings in people with lower education attainment. Technology is associated with all types of saving behavior, while the hybrid access method is associated only with saving for periodic expenses. As investments in self‐service technology increase, the importance of access methods to savings behavior must be considered.

中文翻译：

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银行工作人员的互动是否与银行中的客户储蓄行为相关联？

美国零售银行业正在发生重大变化，朝着对技术的大量投资和对人员的减少进行。使用2017年家庭经济与决策调查（SHED）（n= 11,359），我们研究了与紧急，长期和定期费用相关的储蓄行为与个人，技术和混合银行帐户访问方法之间的关系。二元逻辑回归模型用于估计与各种银行访问方法有关的报告各种储蓄行为的几率。研究结果表明，个人访问方法与普通人群定期性支出的储蓄行为呈正相关，与受教育程度较低的人的紧急储蓄呈负相关。技术与所有类型的储蓄行为相关联，而混合访问方法仅与定期支出的储蓄相关联。随着对自助服务技术的投资的增加，必须考虑访问方法对储蓄行为的重要性。