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

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Author Info
Donze, Jocelyn
Dubec, Isabelle

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Abstract

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.

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File URL: http://mpra.ub.uni-muenchen.de/15818/
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Publisher Info
Paper provided by University Library of Munich, Germany in its series MPRA Paper with number 15818.

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Date of creation: 19 Jun 2009
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Handle: RePEc:pra:mprapa:15818

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Related research
Keywords: direct charging reform;

Find related papers by JEL classification:
G2 - Financial Economics - - Financial Institutions and Services
L1 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance

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References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
  1. Nadia Massoud & Dan Bernhardt, 2002. ""Rip-Off" ATM Surcharges," RAND Journal of Economics, The RAND Corporation, vol. 33(1), pages 96-115, Spring.
  2. James J. McAndrews, 2003. "Automated Teller Machine Network Pricing - A Review of the Literature," Review of Network Economics, Concept Economics, vol. 2(2), pages 146-158, June. [Downloadable!]
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Cited by:
(explanations, Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.)

  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. [Downloadable!]
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This page was last updated on 2009-11-30.

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