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Title: ATM surcharges: Effects on deployment and welfare
Authors: Chioveanu, I
Fauli-Oller, R
Sandonis, J
Santamaria, J
Keywords: ATM surcharges;Banking services;ATM machines;Banks
Issue Date: 2009
Publisher: Wiley-Blackwell
Citation: The Journal of Industrial Economics, 57(3), 613 - 635, 2009
Abstract: This paper analyzes the effects of ATM surcharges on deployment and welfare, in a model where banks compete for ATM and banking services. Foreign fees, surcharges and the interchange fee are endogenously determined. We find situations in which surcharges are welfare enhancing. Under strategic fee setting, the increase in deployment caused by surcharging might compensate the surplus loss caused by the increase in prices.
Description: This article is available open access through the publisher’s website at the link below. Copyright @ 2009 The Authors.
ISSN: 0022-1821
Appears in Collections:Economics and Finance
Dept of Economics and Finance Research Papers

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