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ATM surcharges: effects on deployment and welfare

Chioveanu, I.; Fauli-Oller, R.; Sandonis, J.; Santamaria, J.; (2009) ATM surcharges: effects on deployment and welfare. (ELSE Working Papers 322). ESRC Centre for Economic Learning and Social Evolution: London, UK. Green open access

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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.

Type: Working / discussion paper
Title: ATM surcharges: effects on deployment and welfare
Open access status: An open access version is available from UCL Discovery
Publisher version: http://else.econ.ucl.ac.uk/newweb/papers.php
Language: English
Keywords: L1, G2
UCL classification: UCL > Provost and Vice Provost Offices > UCL SLASH > Faculty of S&HS > Dept of Economics
URI: https://discovery.ucl.ac.uk/id/eprint/15003
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