This TowerGroup Research Note examines customers' attitudes about self-service in banking and their preferences regarding use of automated teller machines (ATMs), interactive voice response (IVR) systems, and online banking. The Note also describes self-service trends in other industries that will both drive and challenge retail banks' future reliance on self-service delivery mechanisms. A forthcoming TowerGroup Research Note will cover the trends and IT spending for retail banking self-service channels in the United States.