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

optimal regulation. We use the model to analyze an actual regulation of such a market by competition authorities in Finland … Ramsey regulation. While the Finnish regulation pushes the foreign fee downwards towards its socially optimal level, the … regulated fees are likely to remain too high from the welfare point of view. In contrast with the actual regulation, it would be …

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

In this study, the interaction between the competition-cooperation nexus and regulation in retail payment systems is …

In this study, the interaction between the competition-cooperation nexus and regulation in retail payment systems is …

In this study, the interaction between the competition-cooperation nexus and regulation in retail payment systems is …