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

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  • Donze, Jocelyn
  • Dubec, Isabelle

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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Bibliographic 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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Keywords: direct charging reform;

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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. Mcandrews James J., 2003. "Automated Teller Machine Network Pricing - A Review of the Literature," Review of Network Economics, De Gruyter, vol. 2(2), pages 1-13, June.
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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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