“…The reasons for customer usage of SSTs include cost savings , convenience (Dabholkar et al, 2003;Liljander et al, 2006;Meuter et al, 2003), habit (Liljander et al, 2006), control and independence (Dabholkar et al, 2003;Liljander et al, 2006;Meuter et al, 2003) and the lack of other options . Using SSTs can also provide some consumers with intrinsic benefits, such as feelings of independence and enjoyment (Dabholkar et al, 2003;Meuter et al, 2003). Some consumers even admitted using SSTs in order to avoid the personal contact with service employees (Dabholkar et al, 2003).…”