This paper analyzes the effects of ATM surcharges on deployment and welfare, in a model where banks compete for ATM and … collusive effect of the interchange fee. As a consequence, ATM deployment is higher and retail prices lower than without …

We consider whether banks should be allowed to set different ATM prices to their customers depending on whether they … discrimination on ATM services increases total surplus. In the present model that considers an interchange fee, the effect of a ban …