Donze, Jocelyn and Dubec, Isabelle (2009): ATM Direct Charging Reform: the Effect of Independent Deployers on welfare.
Download (250kB) | Preview
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|
 Chioveanu, I. Fauli-Oller, R. Sandonis, J and Santamara J. 2009. ATM Surcharges: Effects on Deployment and welfare. Forthcoming in Journal of Industrial Economics.
 Croft, E. Spencer, B. 2006. Fees and Surcharging in ATM Networks: The Role of Nonbanks and Depositor Base.
 Donze, J. Dubec I., 2009. Paying for ATM Usage: good for consumers, bad for banks ? Forthcoming in Journal of Industrial Economics.
 Massoud, N., Bernhardt, D., 2002. Rip-off ATM surcharges. Rand Journal of Economics 33, 96-115.
 McAndrews, J. 2003. Automated teller machine network pricing a review of the literature, The Review of Network Economics, Volume 2, Issue 2, pp. 146-158.
 Reserve Bank of Australia & the Australian Competition and Consumer Commission. 2000. Debit and Credit Card Schemes in Australia: A Study of Interchange Fees and Access Competition.
 Salop, S. 1990. Deregulating Self-Regulated Shared ATM Networks. Economics of Innovation and New Technology, 1 pp. 85-96.