{"id":18642,"date":"2026-01-16T16:20:51","date_gmt":"2026-01-16T16:20:51","guid":{"rendered":"https:\/\/lite14.net\/blog\/?p=18642"},"modified":"2026-01-16T16:20:51","modified_gmt":"2026-01-16T16:20:51","slug":"regular-email-reminders-can-help-bank-customers-save-more-money","status":"publish","type":"post","link":"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/","title":{"rendered":"Regular email reminders can help bank customers save more money"},"content":{"rendered":"<p>&nbsp;<\/p>\n<hr \/>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#_1_What_the_Research_Shows_Email_Reminders_Can_Increase_Saving\" >\u00a01. What the Research Shows: Email Reminders Can Increase Saving<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#_2_Frequency_Type_of_Email_Matter\" >\u00a02. Frequency &amp; Type of Email Matter<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#_3_Why_Reminders_Help_People_Save\" >\u00a03. Why Reminders Help People Save<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#_They_Increase_Awareness\" >\u00a0They Increase Awareness<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#_They_Reduce_%E2%80%9CFriction%E2%80%9D\" >\u00a0They Reduce \u201cFriction\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#_They_Reinforce_Good_Behavior\" >\u00a0They Reinforce Good Behavior<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#_4_Impact_at_Scale\" >\u00a04. Impact at Scale<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#_5_Limits_Considerations\" >\u00a05. Limits &amp; Considerations<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#_Small_Individual_Effect\" >\u00a0Small Individual Effect<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#_Broader_Evidence_Reminders_Work_Beyond_Email\" >\u00a0Broader Evidence: Reminders Work Beyond Email<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#_Summary\" >\u00a0Summary<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#_Bottom_Line\" >\u00a0Bottom Line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#Case_Study_1_%E2%80%94_Two-Million-Person_Megastudy_US_Bank\" >Case Study 1 \u2014 Two-Million-Person Megastudy (U.S. Bank)<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#Overview\" >Overview<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#Design\" >Design<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#Key_Results\" >Key Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#Behavioral_Insights\" >Behavioral Insights<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#Case_Study_2_%E2%80%94_Behavioral_Science_and_Communication_Design\" >Case Study 2 \u2014 Behavioral Science and Communication Design<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#Workplace_Savings_Reminder_Experiment\" >Workplace Savings Reminder Experiment<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#Related_Evidence_%E2%80%94_SMSText_Message_Reminder_Studies\" >Related Evidence \u2014 SMS\/Text Message Reminder Studies<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#Global_Evidence_IPA_Studies\" >Global Evidence (IPA Studies)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#Expert_Comments_Interpretation\" >Expert Comments &amp; Interpretation<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#From_Behavioral_Scientists\" >From Behavioral Scientists<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#_Comment_from_Researchers\" >\u00a0Comment from Researchers<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#What_This_Means_for_Banks_Customers\" >What This Means for Banks &amp; Customers<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#For_Banks\" >For Banks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#For_Customers\" >For Customers<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/#Summary_of_Key_Takeaways\" >Summary of Key Takeaways<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"_1_What_the_Research_Shows_Email_Reminders_Can_Increase_Saving\"><\/span>\u00a01. What the Research Shows: Email Reminders Can Increase Saving<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A large new study led by researchers including <strong>Katy Milkman<\/strong> (Wharton) analyzed data from nearly <strong>2 million bank customers<\/strong> to test whether reminder emails would encourage them to transfer money into savings accounts. (<a title=\"Regular email reminders can help bank customers save more money\" href=\"https:\/\/phys.org\/news\/2026-01-regular-email-bank-customers-money.html?utm_source=chatgpt.com\">Phys.org<\/a>)<\/p>\n<ul>\n<li><strong>Reminder emails work as \u201cnudges\u201d<\/strong> \u2014 they help people remember to take an action they <em>intend<\/em> to do but often forget, like moving money from checking to savings. (<a title=\"Regular email reminders can help bank customers save more money\" href=\"https:\/\/phys.org\/news\/2026-01-regular-email-bank-customers-money.html?utm_source=chatgpt.com\">Phys.org<\/a>)<\/li>\n<li>Overall, customers who received emails were <strong>slightly more likely to make a one-time savings deposit<\/strong> in a given month (an increase of about <strong>0.05 percentage points<\/strong>, or roughly <strong>0.5%<\/strong>). (<a title=\"Can Email Reminders Help Fix the Savings Crisis?\" href=\"https:\/\/insight.kellogg.northwestern.edu\/article\/can-email-reminders-help-fix-the-savings-crisis?utm_source=chatgpt.com\">Kellogg Insight<\/a>)<\/li>\n<\/ul>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_2_Frequency_Type_of_Email_Matter\"><\/span>\u00a02. Frequency &amp; Type of Email Matter<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Not all reminders are equally effective:<\/p>\n<ul>\n<li><strong>Weekly tailored reminders<\/strong> \u2014 which either <em>prompted a transfer<\/em> for customers who hadn\u2019t saved or <em>congratulated<\/em> those who already had \u2014 were the most effective. (<a title=\"Regular email reminders can help bank customers save more money\" href=\"https:\/\/phys.org\/news\/2026-01-regular-email-bank-customers-money.html?utm_source=chatgpt.com\">Phys.org<\/a>)<\/li>\n<li>These weekly messages <strong>boosted the likelihood of a savings deposit by about 1.3%<\/strong> compared with no emails, the strongest effect seen in the study. (<a title=\"Can Reminders Help You Save More Money? - Knowledge at Wharton\" href=\"https:\/\/knowledge.wharton.upenn.edu\/article\/can-reminders-help-you-save-more-money\/?utm_source=chatgpt.com\">Knowledge at Wharton<\/a>)<\/li>\n<\/ul>\n<p>This suggests that <strong>frequent, personalized communications<\/strong> catch attention better and encourage action more than generic or less frequent messages. (<a title=\"Can Email Reminders Help Fix the Savings Crisis?\" href=\"https:\/\/insight.kellogg.northwestern.edu\/article\/can-email-reminders-help-fix-the-savings-crisis?utm_source=chatgpt.com\">Kellogg Insight<\/a>)<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_3_Why_Reminders_Help_People_Save\"><\/span>\u00a03. Why Reminders Help People Save<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"_They_Increase_Awareness\"><\/span>\u00a0They Increase Awareness<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Many people <em>intend<\/em> to save but simply <em>forget<\/em> \u2014 regular reminders bring savings goals to the front of customers\u2019 minds. (<a title=\"Regular email reminders can help bank customers save more money\" href=\"https:\/\/phys.org\/news\/2026-01-regular-email-bank-customers-money.html?utm_source=chatgpt.com\">Phys.org<\/a>)<\/p>\n<h3><span class=\"ez-toc-section\" id=\"_They_Reduce_%E2%80%9CFriction%E2%80%9D\"><\/span>\u00a0They Reduce \u201cFriction\u201d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>When an email includes a <em>specific call to action<\/em> (like clicking to transfer funds), it reduces barriers between thinking about saving and doing it. (<a title=\"Can Email Reminders Help Fix the Savings Crisis?\" href=\"https:\/\/insight.kellogg.northwestern.edu\/article\/can-email-reminders-help-fix-the-savings-crisis?utm_source=chatgpt.com\">Kellogg Insight<\/a>)<\/p>\n<h3><span class=\"ez-toc-section\" id=\"_They_Reinforce_Good_Behavior\"><\/span>\u00a0They Reinforce Good Behavior<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Congratulatory messaging for customers already saving can <strong>reinforce positive habits<\/strong>, tapping into behavioral psychology principles. (<a title=\"Regular email reminders can help bank customers save more money\" href=\"https:\/\/phys.org\/news\/2026-01-regular-email-bank-customers-money.html?utm_source=chatgpt.com\">Phys.org<\/a>)<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_4_Impact_at_Scale\"><\/span>\u00a04. Impact at Scale<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Although the effect per individual is modest, the impact is <strong>cost-effective<\/strong> for banks: sending reminder emails costs almost nothing, yet scaled to millions of customers it could lead to <strong>millions of extra dollars saved collectively<\/strong>. (<a title=\"Can Email Reminders Help Fix the Savings Crisis?\" href=\"https:\/\/insight.kellogg.northwestern.edu\/article\/can-email-reminders-help-fix-the-savings-crisis?utm_source=chatgpt.com\">Kellogg Insight<\/a>)<\/li>\n<li>The researchers estimated that if the best email campaign were sent to all participants over the two-month period, it might have boosted total savings by around <strong>$6 million to $10 million<\/strong>. (<a title=\"This Simple Reminder Could Help You Save More Money in 2026 | Money\" href=\"https:\/\/money.com\/save-more-money-reminders\/?utm_source=chatgpt.com\">Money<\/a>)<\/li>\n<\/ul>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_5_Limits_Considerations\"><\/span>\u00a05. Limits &amp; Considerations<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"_Small_Individual_Effect\"><\/span>\u00a0Small Individual Effect<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The average increase in savings was small for individuals, and <strong>email is easy to ignore<\/strong>, especially compared with more proactive interventions like automatic transfers. (<a title=\"Regular email reminders can help bank customers save more money\" href=\"https:\/\/phys.org\/news\/2026-01-regular-email-bank-customers-money.html?utm_source=chatgpt.com\">Phys.org<\/a>)\u00a0User Experience Matters<\/p>\n<p>The impact may be limited if customers can\u2019t easily complete savings actions (e.g., set up automatic transfers in the bank\u2019s app). (<a title=\"Can Reminders Help You Save More Money? - Knowledge at Wharton\" href=\"https:\/\/knowledge.wharton.upenn.edu\/article\/can-reminders-help-you-save-more-money\/?utm_source=chatgpt.com\">Knowledge at Wharton<\/a>)<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_Broader_Evidence_Reminders_Work_Beyond_Email\"><\/span>\u00a0Broader Evidence: Reminders Work Beyond Email<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Research on <em>text message reminders<\/em> and goal-focused nudges in other countries has also found that simple reminders can boost savings activity or account usage, especially among inactive users, though results vary by context and medium. (<a title=\"The Impact of Text Message Reminders on Savings in Peru | IPA\" href=\"https:\/\/poverty-action.org\/index.php\/study\/impact-text-message-reminders-savings-peru?utm_source=chatgpt.com\">poverty-action.org<\/a>)<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_Summary\"><\/span>\u00a0Summary<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Feature<\/th>\n<th>Effect<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Regular reminder emails<\/strong><\/td>\n<td>Slightly increases likelihood of one-time savings deposits (\u22480.5%\u20131.3% increase) (<a title=\"Regular email reminders can help bank customers save more money\" href=\"https:\/\/phys.org\/news\/2026-01-regular-email-bank-customers-money.html?utm_source=chatgpt.com\">Phys.org<\/a>)<\/td>\n<\/tr>\n<tr>\n<td><strong>Weekly tailored messages<\/strong><\/td>\n<td>Most effective format tested (<a title=\"Can Reminders Help You Save More Money? - Knowledge at Wharton\" href=\"https:\/\/knowledge.wharton.upenn.edu\/article\/can-reminders-help-you-save-more-money\/?utm_source=chatgpt.com\">Knowledge at Wharton<\/a>)<\/td>\n<\/tr>\n<tr>\n<td><strong>Personalized calls to action<\/strong><\/td>\n<td>Helps reduce friction to saving (<a title=\"Can Email Reminders Help Fix the Savings Crisis?\" href=\"https:\/\/insight.kellogg.northwestern.edu\/article\/can-email-reminders-help-fix-the-savings-crisis?utm_source=chatgpt.com\">Kellogg Insight<\/a>)<\/td>\n<\/tr>\n<tr>\n<td><strong>Collective impact<\/strong><\/td>\n<td>Can meaningfully increase total savings at scale (<a title=\"Can Email Reminders Help Fix the Savings Crisis?\" href=\"https:\/\/insight.kellogg.northwestern.edu\/article\/can-email-reminders-help-fix-the-savings-crisis?utm_source=chatgpt.com\">Kellogg Insight<\/a>)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_Bottom_Line\"><\/span>\u00a0Bottom Line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Regular email reminders serve as inexpensive but effective behavioral nudges<\/strong> that help bank customers remember to save \u2014 especially when the emails are frequent, personalized, and include clear actions. While the effect on each individual is modest, the cumulative impact across millions of people can be significant. (<a title=\"Regular email reminders can help bank customers save more money\" href=\"https:\/\/phys.org\/news\/2026-01-regular-email-bank-customers-money.html?utm_source=chatgpt.com\">Phys.org<\/a>)<\/p>\n<hr \/>\n<p>Here are <strong>detailed case studies and expert comments<\/strong> showing how <strong>regular email reminders (and similar nudges) help bank customers save more money<\/strong> \u2014 with real evidence, results, and perspectives from behavioral science research:<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Case_Study_1_%E2%80%94_Two-Million-Person_Megastudy_US_Bank\"><\/span><strong>Case Study 1 \u2014 Two-Million-Person Megastudy (U.S. Bank)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Overview\"><\/span><strong>Overview<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A major study led by <strong>Katy Milkman and colleagues<\/strong> tested whether regular, behaviorally designed email reminders could increase savings among nearly <strong>2 million customers<\/strong> of a large U.S. bank. This is one of the largest experiments ever conducted on savings behavior. (<a title=\"Can reminder emails compel Americans to save? A two-million-person megastudy | PNAS Nexus | Oxford Academic\" href=\"https:\/\/academic.oup.com\/pnasnexus\/article\/doi\/10.1093\/pnasnexus\/pgaf280\/8244974?utm_source=chatgpt.com\">OUP Academic<\/a>)<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Design\"><\/span><strong>Design<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Bank customers were randomly assigned to receive <strong>one of seven different email campaigns<\/strong> or no emails at all. (<a title=\"Can reminder emails compel Americans to save? A two-million-person megastudy | PNAS Nexus | Oxford Academic\" href=\"https:\/\/academic.oup.com\/pnasnexus\/article\/doi\/10.1093\/pnasnexus\/pgaf280\/8244974?utm_source=chatgpt.com\">OUP Academic<\/a>)<\/li>\n<li>Emails varied by <strong>frequency<\/strong> (weekly vs. monthly), <strong>timing<\/strong>, and <strong>content<\/strong> (e.g., reminders vs. congratulations). (<a title=\"Can reminder emails compel Americans to save? A two-million-person megastudy | PNAS Nexus | Oxford Academic\" href=\"https:\/\/academic.oup.com\/pnasnexus\/article\/doi\/10.1093\/pnasnexus\/pgaf280\/8244974?utm_source=chatgpt.com\">OUP Academic<\/a>)<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Key_Results\"><\/span><strong>Key Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>On average, receiving an email <strong>increased the likelihood<\/strong> of making a one-time savings transfer by <strong>0.05 percentage points<\/strong> (~0.5% increase). (<a title=\"Can reminder emails compel Americans to save? A two-million-person megastudy | PNAS Nexus | Oxford Academic\" href=\"https:\/\/academic.oup.com\/pnasnexus\/article\/doi\/10.1093\/pnasnexus\/pgaf280\/8244974?utm_source=chatgpt.com\">OUP Academic<\/a>)<\/li>\n<li>The <strong>best-performing campaign<\/strong> was <strong>weekly tailored emails<\/strong>:\n<ul>\n<li>Customers who <em>hadn\u2019t<\/em> saved recently got a simple reminder to save.<\/li>\n<li>Customers who <em>had<\/em> saved recently got a congratulatory message.<\/li>\n<li>This increased monthly savings likelihood by <strong>1.32%<\/strong> \u2014 significantly stronger than other emails. (<a title=\"Can reminder emails compel Americans to save? A two-million-person megastudy | PNAS Nexus | Oxford Academic\" href=\"https:\/\/academic.oup.com\/pnasnexus\/article\/doi\/10.1093\/pnasnexus\/pgaf280\/8244974?utm_source=chatgpt.com\">OUP Academic<\/a>)<\/li>\n<\/ul>\n<\/li>\n<li>Extrapolated across the study population, this intervention could generate <strong>$6.1 M to $9.9 M<\/strong> in additional savings over two months. (<a title=\"Can reminder emails compel Americans to save? A two-million-person megastudy | PNAS Nexus | Oxford Academic\" href=\"https:\/\/academic.oup.com\/pnasnexus\/article\/doi\/10.1093\/pnasnexus\/pgaf280\/8244974?utm_source=chatgpt.com\">OUP Academic<\/a>)<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Behavioral_Insights\"><\/span><strong>Behavioral Insights<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Frequent reminders help overcome forgetfulness<\/strong>, a major barrier to saving. (<a title=\"Can Reminders Help You Save More Money? - Knowledge at Wharton\" href=\"https:\/\/knowledge.wharton.upenn.edu\/article\/can-reminders-help-you-save-more-money\/?utm_source=chatgpt.com\">Knowledge at Wharton<\/a>)<\/li>\n<li><strong>Congratulatory messaging<\/strong> reinforces positive habits by giving psychological rewards. (<a title=\"Can Reminders Help You Save More Money? - Knowledge at Wharton\" href=\"https:\/\/knowledge.wharton.upenn.edu\/article\/can-reminders-help-you-save-more-money\/?utm_source=chatgpt.com\">Knowledge at Wharton<\/a>)<\/li>\n<li>However, the emails <strong>didn\u2019t increase automatic monthly transfers<\/strong>, possibly because the bank\u2019s app didn\u2019t support easy setup \u2014 highlighting how <em>friction<\/em> matters for long-term behavior change. (<a title=\"Can Reminders Help You Save More Money? - Knowledge at Wharton\" href=\"https:\/\/knowledge.wharton.upenn.edu\/article\/can-reminders-help-you-save-more-money\/?utm_source=chatgpt.com\">Knowledge at Wharton<\/a>)<\/li>\n<\/ul>\n<p><strong>Comment from the researchers:<\/strong><\/p>\n<blockquote><p><em>\u201cOne of the biggest barriers to behavior change is simply that these tasks are not top of mind&#8230; reminders give people a small push to follow through.\u201d<\/em> \u2014 Katy Milkman, Wharton Professor. (<a title=\"Can Reminders Help You Save More Money? - Knowledge at Wharton\" href=\"https:\/\/knowledge.wharton.upenn.edu\/article\/can-reminders-help-you-save-more-money\/?utm_source=chatgpt.com\">Knowledge at Wharton<\/a>)<\/p><\/blockquote>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Case_Study_2_%E2%80%94_Behavioral_Science_and_Communication_Design\"><\/span><strong>Case Study 2 \u2014 Behavioral Science and Communication Design<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Although not strictly a banking case study, related research shows <strong>how message design and frequency affect savings behavior<\/strong>:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Workplace_Savings_Reminder_Experiment\"><\/span><strong>Workplace Savings Reminder Experiment<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>A financial services firm tested weekly email savings prompts tied to employee paydays \u2014 part of an \u201cAutumn Savings Festival.\u201d (<a title=\"Creating an autumn savings fest with savings reminders | Case Studies\" href=\"https:\/\/finsights.advanced-hindsight.com\/case-studies\/Z8PfqUPl\/creating-an-autumn-savings-fest-with-savings-remin?utm_source=chatgpt.com\">Common Cents Lab Finsights Guide<\/a>)<\/li>\n<li>Participants were randomly assigned different reminder days and motivational incentives (like lottery entries). (<a title=\"Creating an autumn savings fest with savings reminders | Case Studies\" href=\"https:\/\/finsights.advanced-hindsight.com\/case-studies\/Z8PfqUPl\/creating-an-autumn-savings-fest-with-savings-remin?utm_source=chatgpt.com\">Common Cents Lab Finsights Guide<\/a>)<\/li>\n<li><strong>Results:<\/strong> Over 20% of participants reported making at least one savings contribution during the campaign, with total savings above $18,600 across the group. (<a title=\"Creating an autumn savings fest with savings reminders | Case Studies\" href=\"https:\/\/finsights.advanced-hindsight.com\/case-studies\/Z8PfqUPl\/creating-an-autumn-savings-fest-with-savings-remin?utm_source=chatgpt.com\">Common Cents Lab Finsights Guide<\/a>)<\/li>\n<li><strong>Takeaway:<\/strong> Regular, structured reminders \u2014 especially when tied to real financial moments like paydays \u2014 can motivate action. (<a title=\"Creating an autumn savings fest with savings reminders | Case Studies\" href=\"https:\/\/finsights.advanced-hindsight.com\/case-studies\/Z8PfqUPl\/creating-an-autumn-savings-fest-with-savings-remin?utm_source=chatgpt.com\">Common Cents Lab Finsights Guide<\/a>)<\/li>\n<\/ul>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Related_Evidence_%E2%80%94_SMSText_Message_Reminder_Studies\"><\/span><strong>Related Evidence \u2014 SMS\/Text Message Reminder Studies<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Though focused on text messaging (another reminder medium), these studies reinforce the <em>nudge logic<\/em> behind regular reminders:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Global_Evidence_IPA_Studies\"><\/span><strong>Global Evidence (IPA Studies)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>In <strong>Peru<\/strong>, reminders led inactive clients to transact more (though this did not always translate into higher total savings). (<a title=\"The Impact of Text Message Reminders on Savings in Peru | IPA\" href=\"https:\/\/poverty-action.org\/index.php\/study\/impact-text-message-reminders-savings-peru?utm_source=chatgpt.com\">poverty-action.org<\/a>)<\/li>\n<li>In <strong>Ghana and the Philippines<\/strong>, simple reminder messages increased account use but didn\u2019t consistently lead to more savings. (<a title=\"The Impact of Text Message Reminders on Savings in the Philippines | IPA\" href=\"https:\/\/poverty-action.org\/study\/impact-text-message-reminders-savings-philippines?utm_source=chatgpt.com\">poverty-action.org<\/a>)<\/li>\n<\/ul>\n<p>These variations suggest that reminders tend to boost <strong>engagement<\/strong>, but <strong>conversion to actual saving<\/strong> may depend on context, message design, and ease of action \u2014 similar themes seen in email studies. (<a title=\"The Impact of Text Message Reminders on Savings in Peru | IPA\" href=\"https:\/\/poverty-action.org\/index.php\/study\/impact-text-message-reminders-savings-peru?utm_source=chatgpt.com\">poverty-action.org<\/a>)<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Expert_Comments_Interpretation\"><\/span><strong>Expert Comments &amp; Interpretation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"From_Behavioral_Scientists\"><\/span><strong>From Behavioral Scientists<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Reminders counter forgetting.<\/strong> A core behavioral barrier is that people <em>intend<\/em> to save but simply don\u2019t remember \u2014 reminders reduce this intention-action gap. (<a title=\"Can Reminders Help You Save More Money? - Knowledge at Wharton\" href=\"https:\/\/knowledge.wharton.upenn.edu\/article\/can-reminders-help-you-save-more-money\/?utm_source=chatgpt.com\">Knowledge at Wharton<\/a>)<\/li>\n<li><strong>Frequency matters.<\/strong> Weekly reminders tend to outperform monthly ones because they keep savings top-of-mind more consistently. (<a title=\"Can Email Reminders Help Fix the Savings Crisis?\" href=\"https:\/\/insight.kellogg.northwestern.edu\/article\/can-email-reminders-help-fix-the-savings-crisis?utm_source=chatgpt.com\">Kellogg Insight<\/a>)<\/li>\n<li><strong>Positive reinforcement works.<\/strong> Congratulatory messages tap into psychological rewards and can motivate repeat behavior. (<a title=\"Can reminder emails compel Americans to save? A two-million-person megastudy | PNAS Nexus | Oxford Academic\" href=\"https:\/\/academic.oup.com\/pnasnexus\/article\/doi\/10.1093\/pnasnexus\/pgaf280\/8244974?utm_source=chatgpt.com\">OUP Academic<\/a>)<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"_Comment_from_Researchers\"><\/span>\u00a0Comment from Researchers<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<blockquote><p><em>\u201cEmail was the easiest communication channel to test, but also the easiest to ignore\u2026 future work could explore more engaging channels and combine reminders with automatic features.\u201d<\/em> \u2014 Lead study authors. (<a title=\"Can Reminders Help You Save More Money? - Knowledge at Wharton\" href=\"https:\/\/knowledge.wharton.upenn.edu\/article\/can-reminders-help-you-save-more-money\/?utm_source=chatgpt.com\">Knowledge at Wharton<\/a>)<\/p><\/blockquote>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"What_This_Means_for_Banks_Customers\"><\/span><strong>What This Means for Banks &amp; Customers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"For_Banks\"><\/span>For Banks<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Low-cost intervention:<\/strong> Email campaigns cost almost nothing but can <em>nudge<\/em> measurable behavior change at scale. (<a title=\"Can Email Reminders Help Fix the Savings Crisis?\" href=\"https:\/\/insight.kellogg.northwestern.edu\/article\/can-email-reminders-help-fix-the-savings-crisis?utm_source=chatgpt.com\">Kellogg Insight<\/a>)<br \/>\n<strong>Segmentation helps:<\/strong> Tailoring messages based on recent saving behavior enhances effectiveness. (<a title=\"Can reminder emails compel Americans to save? A two-million-person megastudy | PNAS Nexus | Oxford Academic\" href=\"https:\/\/academic.oup.com\/pnasnexus\/article\/doi\/10.1093\/pnasnexus\/pgaf280\/8244974?utm_source=chatgpt.com\">OUP Academic<\/a>)<br \/>\n<strong>Design matters:<\/strong> Supporting technical features (like easy recurring transfers) can amplify impact. (<a title=\"Can Reminders Help You Save More Money? - Knowledge at Wharton\" href=\"https:\/\/knowledge.wharton.upenn.edu\/article\/can-reminders-help-you-save-more-money\/?utm_source=chatgpt.com\">Knowledge at Wharton<\/a>)<\/p>\n<h3><span class=\"ez-toc-section\" id=\"For_Customers\"><\/span>For Customers<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Gentle reminders aid habit formation<\/strong> \u2014 you\u2019re more likely to act when prompted regularly. (<a title=\"Can Reminders Help You Save More Money? - Knowledge at Wharton\" href=\"https:\/\/knowledge.wharton.upenn.edu\/article\/can-reminders-help-you-save-more-money\/?utm_source=chatgpt.com\">Knowledge at Wharton<\/a>)<br \/>\n<strong>Personalized prompts feel more relevant<\/strong> and can reinforce good behavior through positive feedback. (<a title=\"Can reminder emails compel Americans to save? A two-million-person megastudy | PNAS Nexus | Oxford Academic\" href=\"https:\/\/academic.oup.com\/pnasnexus\/article\/doi\/10.1093\/pnasnexus\/pgaf280\/8244974?utm_source=chatgpt.com\">OUP Academic<\/a>)<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Summary_of_Key_Takeaways\"><\/span><strong>Summary of Key Takeaways<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th><strong>Aspect<\/strong><\/th>\n<th><strong>Finding<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Email reminders<\/strong><\/td>\n<td>Small but meaningful boost in savings actions (0.5%\u20131.3%) for recipients vs. non-recipients. (<a title=\"Can reminder emails compel Americans to save? A two-million-person megastudy | PNAS Nexus | Oxford Academic\" href=\"https:\/\/academic.oup.com\/pnasnexus\/article\/doi\/10.1093\/pnasnexus\/pgaf280\/8244974?utm_source=chatgpt.com\">OUP Academic<\/a>)<\/td>\n<\/tr>\n<tr>\n<td><strong>Weekly frequency<\/strong><\/td>\n<td>Most effective timing relative to monthly or one-off emails. (<a title=\"Can reminder emails compel Americans to save? A two-million-person megastudy | PNAS Nexus | Oxford Academic\" href=\"https:\/\/academic.oup.com\/pnasnexus\/article\/doi\/10.1093\/pnasnexus\/pgaf280\/8244974?utm_source=chatgpt.com\">OUP Academic<\/a>)<\/td>\n<\/tr>\n<tr>\n<td><strong>Congratulatory content<\/strong><\/td>\n<td>Reinforces positive behavior and motivates ongoing engagement. (<a title=\"Can reminder emails compel Americans to save? A two-million-person megastudy | PNAS Nexus | Oxford Academic\" href=\"https:\/\/academic.oup.com\/pnasnexus\/article\/doi\/10.1093\/pnasnexus\/pgaf280\/8244974?utm_source=chatgpt.com\">OUP Academic<\/a>)<\/td>\n<\/tr>\n<tr>\n<td><strong>Design &amp; ease<\/strong><\/td>\n<td>Impact grows when saving actions are easy to complete. (<a title=\"Can Reminders Help You Save More Money? - Knowledge at Wharton\" href=\"https:\/\/knowledge.wharton.upenn.edu\/article\/can-reminders-help-you-save-more-money\/?utm_source=chatgpt.com\">Knowledge at Wharton<\/a>)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr \/>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; \u00a01. What the Research Shows: Email Reminders Can Increase Saving A large new study led by researchers including Katy Milkman (Wharton) analyzed data from&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[270,90],"tags":[],"class_list":["post-18642","post","type-post","status-publish","format-standard","hentry","category-digital-marketing","category-news-update"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Regular email reminders can help bank customers save more money - Lite14 Tools &amp; Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lite14.net\/blog\/2026\/01\/16\/regular-email-reminders-can-help-bank-customers-save-more-money\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Regular email reminders can help bank customers save more money - Lite14 Tools &amp; Blog\" \/>\n<meta property=\"og:description\" content=\"&nbsp; \u00a01. 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