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: 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) affects 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.

Keywords: ATMs; Direct Charging Reform; Independent Deployers (search for similar items in EconPapers)
JEL-codes: G2 L1 (search for similar items in EconPapers)
Date: 2010-06-09
New Economics Papers: this item is included in nep-ban
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https://mpra.ub.uni-muenchen.de/23176/1/MPRA_paper_23176.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 (2009)
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Persistent link: https://EconPapers.repec.org/RePEc:pra:mprapa:23176

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