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ATM Direct Charging Reform: the Effect of Independent Deployers on Welfare

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  • Donze, Jocelyn
  • Dubec, Isabelle

Abstract

In Australia, on the 3rd of March 2009, the interchange fees on shared ATM transactions were removed and replaced by fees directly set and received by the ATM owners. We develop a model to study how the entry of independent ATM deployers (IADs) aspects welfare under this direct charging scheme. Paradoxically, we show that the IAD entry benefits banks. It may be good for consumers if they sufficiently value the associated growth of the ATM network.

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Paper provided by University of Toulouse 1 Capitole in its series Open Access publications from University of Toulouse 1 Capitole with number http://neeo.univ-tlse1.fr/2947/.

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Date of creation: Jun 2011
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Publication status: Published in The Review of Network Economics (2011-06) v.10, p.-
Handle: RePEc:ner:toulou:http://neeo.univ-tlse1.fr/2947/

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Web page: http://www.univ-tlse1.fr/

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  1. Donze, Jocelyn & Dubec, Isabelle, 2008. "Paying for ATM usage : good for consumers, bad for banks ?," MPRA Paper 10892, University Library of Munich, Germany.
  2. Christopher R. Knittel & Victor Stango, 2006. "Strategic Incompatibility in ATM Markets," NBER Working Papers 12604, National Bureau of Economic Research, Inc.
  3. Donze, Jocelyn & Dubec, Isabelle, 2008. "The effects of regulating interchange fees at cost on the ATM market," MPRA Paper 10893, University Library of Munich, Germany.
  4. Matutes, Carmen & Padilla, A. Jorge, 1994. "Shared ATM networks and banking competition," European Economic Review, Elsevier, vol. 38(5), pages 1113-1138, May.
  5. Jocelyn Donze & Isabelle Dubec, 2009. "PAYING FOR ATM USAGE: GOOD FOR CONSUMERS, BAD FOR BANKS? -super-* ," Journal of Industrial Economics, Wiley Blackwell, vol. 57(3), pages 583-612, 09.
  6. Donze, Jocelyn & Dubec, Isabelle, 2006. "The role of interchange fees in ATM networks," International Journal of Industrial Organization, Elsevier, vol. 24(1), pages 29-43, January.
  7. Ioana Chioveanu & Ramon Fauli-Oller & Joel Sandonis & Juana Santamaria, 2009. "ATM SURCHARGES: EFFECTS ON DEPLOYMENT AND WELFARE -super-* ," Journal of Industrial Economics, Wiley Blackwell, vol. 57(3), pages 613-635, 09.
  8. Nadia Massoud & Dan Bernhardt, 2002. ""Rip-Off" ATM Surcharges," RAND Journal of Economics, The RAND Corporation, vol. 33(1), pages 96-115, Spring.
  9. James J. Mcandrews, 2003. "Automated Teller Machine Network Pricing – A Review of the Literature," Review of Network Economics, De Gruyter, vol. 2(2), pages 6.
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Cited by:
  1. Donze, Jocelyn & Dubec, Isabelle, 2009. "La tarification des retraits aux distributeurs automatiques bancaires, une revue de la littérature
    [ATM withdrawal pricing, a survey of the literature]    ," MPRA Paper 16546, University Library of Munich, Germany.
  2. Clare Noone, 2012. "ATM Fees, Pricing and Consumer Behaviour: An Analysis of ATM Network Reform in Australia," RBA Research Discussion Papers rdp2012-03, Reserve Bank of Australia.

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