Donze, Jocelyn and Dubec, Isabelle (2008): The effects of regulating interchange fees at cost on the ATM market.
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We show that regulating the interchange fee at cost reduces banks’ incentives to deploy free ATMs over time. Simultaneously, more and more pay-to-use ATMs are deployed by independent ATM deployers. These results are consistent with the recent evolution of the British ATM market.
|Item Type:||MPRA Paper|
|Original Title:||The effects of regulating interchange fees at cost on the ATM market|
|Keywords:||Banks ; ATMs ; Interchange Fees ; Regulation|
|Subjects:||G - Financial Economics > G2 - Financial Institutions and Services
L - Industrial Organization > L1 - Market Structure, Firm Strategy, and Market Performance
|Depositing User:||Jocelyn Donze|
|Date Deposited:||06. Oct 2008 00:17|
|Last Modified:||11. Feb 2013 16:47|
Cruickshank, D., 2000. Competition in UK banking: a report to the chancellor of the exchequer. HM Treasury.
Donze, J. Dubec I., 2006. The role of interchange fees in ATM networks. International Journal of Industrial Organization, 24, 29-43.
Donze, J. Dubec I., 2008. Paying for ATM usage: bad for banks, good for consumers ? mimeo.
House of Commons, Treasury Committee. 2005. Cash Machine Charges. Fifth Report of Session 2004-05.
The Link Network. www.link.co.uk
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