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

Jocelyn Donze () and Isabelle Dubec

MPRA Paper from University Library of Munich, Germany

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.

Keywords: direct; charging; reform (search for similar items in EconPapers)
JEL-codes: G2 L1 (search for similar items in EconPapers)
Date: 2009-06-19
New Economics Papers: this item is included in nep-ban
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (1)

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https://mpra.ub.uni-muenchen.de/15818/1/MPRA_paper_15818.pdf original version (application/pdf)

Related works:
Journal Article: ATM Direct Charging Reform: the Effect of Independent Deployers on Welfare (2011)
Working Paper: ATM Direct Charging Reform: the Effect of Independent Deployers on Welfare (2010)
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Persistent link: https://EconPapers.repec.org/RePEc:pra:mprapa:15818

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