2002
DOI: 10.2307/2696377
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"Rip-Off" ATM Surcharges

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Cited by 55 publications
(57 citation statements)
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“…Massoud and Bernhardt (2002) develop a spatial model in which consumers both choose a bank at which to deposit and choose their use of ATM services. In their model two banks are on either side of a circle, and consumers are uniformly distributed around the circle.…”
mentioning
confidence: 99%
“…Massoud and Bernhardt (2002) develop a spatial model in which consumers both choose a bank at which to deposit and choose their use of ATM services. In their model two banks are on either side of a circle, and consumers are uniformly distributed around the circle.…”
mentioning
confidence: 99%
“…For a more specialized model of the effect of ATM networks on the pricing of deposit services, see Massoud and Bernhardt (2002).…”
mentioning
confidence: 99%
“…15 They have to compare their expected utility of opening an account at bank A and B. For a consumer located at x, they are 15 We assume that V is high enough so that the market is covered in equilibrium.…”
Section: The Case Without Surchargesmentioning
confidence: 99%
“…These results echo the theoretical literature on ATM surcharging. Massoud and Bernhardt (2002) identify the same pricing incentives although they consider on-us fees (charged to the own consumers when using a home ATM) and surcharges, and ignore foreign-fees and the interchange fee. They interpret surcharges as different prices for on-us and foreign transactions, rather than positive prices for foreign transactions.…”
Section: Introductionmentioning
confidence: 99%