“…1 Regarding the improvement in the affordability of financial services due to the expansion of internet access, whether this expansion will ultimately impact households' behavior, in terms of household saving allocation, remains unanswered in the existing literature. Frequently, the existing studies discuss household savings in relation to income (Harris, 2002;Finlay and Price, 2015), uncertainty (Kazarosian, 1997;Choi et al, 2017), inflation (Jongwanich, 2010;Cohn and Kolluri, 2003;Grigoli et al, 2018), interest rates (Athukorala and Tsai, 2003;Grigoli et al, 2018), demographics (Horioka and Watanabe, 1997;Braun et al, 2009;Hua and Erreygers, 2019;Lugauer et al, 2019), financial circumstances (Beckmann and Mare, 2017;Steinert et al, 2018), and institutions (Giavazzi and McMahon, 2012;Bebczuk et al, 2015). Until now, there are rare empirical studies comprehensively discussing the effects of internet access on household saving behavior.…”