Ferrari, Stijn; Verboven, Frank; Degryse, Hans - Centrum voor Economische Studiën, Faculteit Economie … - 2007
often also that consumers make the proper usage decisions. This paper studies investment and usage in a shared ATM network … whether to withdraw cash at ATMs or branches. We .nd that banks substantially underinvested in the shared ATM network and thus … partial incompatibility. Furthermore, we .nd that consumer usage of the available ATM network is too low because of the zero …