Increasing Trust in Bankers to Enhance Savings: Experimental Evidence from India
通过随机分配实验，研究促进与银行家互动对信任和储蓄的影响，发现对自家银行家的信任与储蓄强相关，但较难改变，而对其他银行家的信任更易受影响。
According to economic theory, repeated interactions can play a crucial role in shaping trust. We randomly allocated people to treatments that promote interactions with bankers. Next, these people played incentivized trust games with their own banker and with an anonymous other banker. While the effect on trust in their own banker is limited, the impact on trust in other bankers is important. We also find that account savings strongly associate with trust in one’s own banker. Our experiment suggests that trust in one’s banker matters for savings but that it is more difficult to influence than trust in bankers in general.