network size from the declining cash use in Finland. The Finnish regulation has almost exclusively focused on foreign fees … selected other countries. We document how changes in the ATM market regulation and market structure has decoupled the ATM …, while in general it would be better to regulate interchange fees. If the optimal fee regulation is not feasible, the …

This technical note highlights Regulation and Supervision of Less Significant Institutions for the Finland Financial … framework in Finland limits Finnish Financial Supervisory Authority's (FIN-FSA) power to issue binding regulations. However, the …

regulatory goal) may exist in a weakened form that cannot accomplish as much as more direct, centralized regulation can. The …