?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.relation=https%3A%2F%2Fpublications.ut-capitole.fr%2Fid%2Feprint%2F3375%2F&rft.title=ATM+Direct+Charging+Reform%3A+the+Effect+of+Independent+Deployers+on+Welfare&rft.creator=Donze%2C+Jocelyn&rft.creator=Dubec%2C+Isabelle&rft.subject=B-+ECONOMIE+ET+FINANCE&rft.description=In+Australia%2C+on+the+3rd+of+March+2009%2C+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)+aspects+welfare+under+this+direct+charging+scheme.+Paradoxically%2C+we+show+that+the%0D%0AIAD+entry+benefits+banks.+It+may+be+good+for+consumers+if+they+sufficiently+value+the+associated+growth+of+the+ATM+network.&rft.publisher=TSE+Working+Paper&rft.date=2010-06-09&rft.type=Monograph&rft.type=NonPeerReviewed&rft.format=text&rft.language=en&rft.identifier=https%3A%2F%2Fpublications.ut-capitole.fr%2Fid%2Feprint%2F3375%2F1%2F10-162.pdf&rft.identifier=++Donze%2C+Jocelyn+%3Chttps%3A%2F%2Fwww.idref.fr%2F177787333%3E+and+Dubec%2C+Isabelle+%3Chttps%3A%2F%2Fwww.idref.fr%2F177851260%3E++(2010)+ATM+Direct+Charging+Reform%3A+the+Effect+of+Independent+Deployers+on+Welfare.++TSE+Working+Paper%2C+n.+10-162+++++&rft.relation=http%3A%2F%2Ftse-fr.eu%2Fpub%2F22718&rft.language=en