Donze, Jocelyn and Dubec, Isabelle (2008): The effects of regulating interchange fees at cost on the ATM market. Unpublished.
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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 |
|---|---|
| Language: | English |
| 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 |
| ID Code: | 11252 |
| Deposited By: | Jocelyn Donze |
| Deposited On: | 26. Oct 2008 11:59 |
| Last Modified: | 27. Oct 2008 14:17 |
| References: | 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: good for consumers, bad for banks ? 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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