Donze, Jocelyn and Dubec, Isabelle (2009): ATM Direct Charging Reform: the Effect of Independent Deployers on welfare.
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Recently in Australia, the interchange fees on shared ATM transactions were removed and replaced by a fee directly set and received by the ATM owner ("direct charging scheme"). We develop a model to study how the entry of independent ATM deployers (IADS) affects welfare under the direct charging scheme. Paradoxically, we show that the entry of IADS benefits banks ! It is also good for consumers if they sufficiently value the ATMs deployed by the independent deployers.
|Item Type:||MPRA Paper|
|Original Title:||ATM Direct Charging Reform: the Effect of Independent Deployers on welfare|
|Keywords:||direct charging reform|
|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:||22. Jun 2009 01:17|
|Last Modified:||15. Feb 2013 21:27|
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