{"id":141439,"date":"2026-08-16T11:59:07","date_gmt":"2026-08-16T11:59:07","guid":{"rendered":"https:\/\/www.europesays.com\/ai\/141439\/"},"modified":"2026-08-16T11:59:07","modified_gmt":"2026-08-16T11:59:07","slug":"ai-digital-banking-arent-killing-the-branch-89-still-want-access-to-people-fresh-today-cutoday-info","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ai\/141439\/","title":{"rendered":"AI, Digital Banking Aren&#8217;t Killing The Branch: 89% Still Want Access To People \/ Fresh Today \/ CUToday.info"},"content":{"rendered":"<p>BOSTON\u2014Even as artificial intelligence makes deeper inroads into personal finance, 90% of middle-income Americans still prefer speaking with a knowledgeable person rather than AI when making major financial decisions, according to Santander US\u2019 latest Paths to Prosperity study, research conducted by Morning Consult on behalf of Santander US.<\/p>\n<p>At the same time, 89% said they want to handle most banking tasks digitally while retaining access to a branch staffed by people who can help.<\/p>\n<p>                                                                                                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.cutoday.info\/master\/var\/ezdemo_site\/storage\/images\/media\/images\/santander7\/1955360-1-eng-US\/santander_large.jpg\" width=\"360\" height=\"105\" style=\"border: 0px solid ;\" alt=\"santander\" title=\"santander\"\/><\/p>\n<p>The findings suggest consumers increasingly see digital banking and physical branches as complementary rather than competing channels. Eighty-three percent said they have greater confidence in a digital banking provider that also operates physical branches, including 87% of Gen Z, 85% of Millennials, 82% of Gen X and 75% of Baby Boomers. Consumers cited resolving complex issues, getting personalized guidance from a knowledgeable banker and discussing important financial decisions privately as the top reasons for visiting a branch.<\/p>\n<p>That preference persists even as AI use grows. The Santander report found 42% of respondents have used AI during the past year to help with a financial task or decision, led by 50% of both Gen Z and Millennials, compared with 34% of Gen X and 22% of Baby Boomers. The most common uses were finding ways to save money or reduce expenses, making savings and investment decisions and understanding rates, fees, terms or financial documents.<\/p>\n<p>The research also found traditional financial institutions hold an advantage over stand-alone fintechs. Seventy-nine percent said they prefer digital banking with a traditional bank over an unaffiliated fintech, while 86% said they would have more confidence in a digital banking provider if it were owned and backed by a financially stable bank. Ninety-one percent said choosing the right bank is important to achieving financial prosperity.<\/p>\n<p>Morning Consult conducted the study for Santander US June 25-29 among 2,199 Americans ages 18 to 76 who are banking or financial services customers and have household incomes between $55,000 and $167,000. Respondents were employed or looking for work, used at least one financial product and were primary or shared household financial decision-makers.\u00a0<\/p>\n<p>\n                Section: Standard<br \/>Word Count: 422<br \/>Copyright Holder: CUToday.info<br \/>Copyright Year: 2026<br \/>Is Based On: <br \/>URL: https:\/\/www.cutoday.info\/Fresh-Today\/AI-Digital-Banking-Aren-t-Killing-The-Branch-89-Still-Want-Access-To-People<\/p>\n","protected":false},"excerpt":{"rendered":"BOSTON\u2014Even as artificial intelligence makes deeper inroads into personal finance, 90% of middle-income Americans still prefer speaking with&hellip;\n","protected":false},"author":2,"featured_media":141440,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[24,25,6769,6771,6772,5329,6770],"class_list":["post-141439","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ai","tag-ai","tag-artificial-intelligence","tag-cms","tag-content-management","tag-development-framework","tag-e-commerce","tag-publish"],"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/posts\/141439","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/comments?post=141439"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/posts\/141439\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/media\/141440"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/media?parent=141439"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/categories?post=141439"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/tags?post=141439"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}