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ALPHABETICAL LISTING

Ambrus, A. and R. Argenziano.
"Network Markets and Consumers Coordination,"
Cowles Foundation Discussion Paper n.1481, September 2004.

Anderson, Simon P. and Stephen Coate.
"Market Provision of Public Goods : The Case of Broadcasting,"
University of Virginia & Cornell University, Mimeo, November 2002.

Anguelov, Christoslav E., Marianne A. Hilgert and Jeanne M. Hogarth.
"U.S. Consumers and Electronic Banking, 1995-2003,"
Federal Reserve Bulletin, 2004.

Armstrong, Mark.
"Competition in Two-Sided Markets,"
Working Paper, 2005.

Armstrong, Mark.
"Competition in the Pay-TV Market",
Journal of the Japanese and International Economies, 13, 1999, pp. 257-280.

Ausubel, Lawrence M.
"Adverse Selection in the Credit Card Market,"
Department of Economics, University of Maryland, Mimeo, 1999.

Ausubel, Lawrence M.
"The Failure of Competition in the Credit Card Market,"
American Economic Review, 81, 1991, pp. 50-81.

Azariadis, Costas, James Bullard, and Bruce Smith.
"Private and Public Circulating Liabilities,"
Journal of Economic Theory, 99(1), July 2001, pp. 59-116.

Baker, Donald I.
"Shared ATM Networks - The Antitrust Dimension,"
Federal Reserve Bank of St. Louis Review, 77, December 1995, pp. 5-17.

Balto, David A.
"Access Demands to Payment Systems Joint Ventures,"
Harvard Journal of Law and Public Policy, 18, 1995, pp. 623-69.

Balto, David A.
"Payment Systems and Antitrust: Can the Opportunities for Network Competition Be Recognized?"
Federal Reserve Bank of St. Louis Review, 77, December 1995, pp. 19-40.

Balto, David A. and James J. McAndrews.
"Joint Venture Payment Networks and Public Policy,"
Proceedings of the 34th Annual Conference on Bank Structure and Competition - Payments Systems in the Global Economy: Risks and Opportunities, 1998, pp. 431-42.

Bank for International Settlements.
"Retail Payments in Selected Countries: A Comparative Study,"
Basle: Bank for International Settlements, 1999.

Bank for International Settlements.
"Statistics on Payments Systems in the Group of Ten Countries,"
Basle: Bank for International Settlements, 1997.

Barron, John M., Michael E. Staten, and John Umbeck.
"Discounts for Cash in Retail Gasoline Marketing,"
Contemporary Policy Issues, 10(4), 1992, pp. 89-102.

Bauer, Paul W.
"A Beginner's Guide to the U.S. Payment System,"
Federal Reserve Bank of Cleveland Economic Commentary, July 1994.

Bauer, Paul W. and Diana Hancock.
"Scale Economies and Technological Change in Federal Reserve ACH Payment Processing,"
Federal Reserve Bank of Cleveland Economic Review, 1995, pp. 14-29.

Bauer, Paul W. and Diana Hancock.
"The Efficiency of the Federal Reserve in Providing Check Processing Services,"
Journal of Banking and Finance, 17, 1993, pp. 287-311.

Baxter, William F.
"Bank Interchange of Transactional Paper: Legal and Economic Perspectives,"
Journal of Law and Economics, 26, 1983, pp. 541-88.

Baye, Michael R. and John Morgan.
"Information Gatekeepers on the Internet and the Competitiveness of Homogenous Product Markets,"
American Economic Review, 91, 2002, pp. 454-74.

Belleflamme, P and E. Toulemonde.
"Emergence and Entry of B2B Marketplaces,"
UCL Louvain & University of Lausanne, Mimeo, 2004.

Berlin, Mitchell and Loretta J. Mester.
"Credit Card Rates and Consumer Search,"
Review of Financial Economics, 13 (1-2), 2004; pp. 179-198.

Board of Governors of the Federal Reserve System.
"Traditional Payments Primer: Credit Payments,"
Washington: Board of Governors of the Federal Reserve System, 1997.

Board of Governors of the Federal Reserve System.
"The Probability of Credit Card Operations of Depository Institutions,"
Washington: Board of Governors of the Federal Reserve Systems, 1996.

Board of Governors of the Federal Reserve System.
"Credit Cards in the U.S. Economy: Their Impact on Costs, Prices, and Retail Sales,"
Washington: Board of Governors of the Federal Reserve System, 1988.

Bradford, Terry.
"Payment Types at the Point of Sale: Merchant Considerations,"
Federal Reserve Bank of Kansas City, Payment System Research Briefing, December 2004.

Brito, Dagobert L. and Peter R. Hartley.
"Consumer Rationality and Credit Cards,"
Journal of Political Economy, 103(2), April 1995, pp. 400-33.

Bulow, Jeremy and Jonathan Levin.
"Matching and Price Competition,"
NBER WP W11506, August 2005.

Caillaud, Bernard and Bruno Jullien.
"Chicken and Egg: Competing Matchmakers,"
IDEI, University of Toulouse, Mimeo, 2001.

Calem, Paul S.
"The Strange Behavior of the Credit Card Market,"
Federal Reserve Bank of Philadelphia Business Review, January 1992, pp. 3-14.

Calem, Paul S. and Loretta J. Mester.
"Consumer Behavior and the Stickiness of Credit-Card Interest Rates,"
American Economic Review, 85, 1995, pp. 1327-36.

Calomiris, Charles W. and Joseph R. Mason.
"Credit Card Securitization and Regulatory Arbitrage,"
Journal of Financial Services Research, 26(1), August 2004, pp. 5-27.

Canner, Glenn B. and Charles A. Luckett.
"Developments in the Pricing of Credit Card Services,"
Federal Reserve Bulletin, 78(9), September 1992, pp. 652-66.

Cargill, Thomas F. and Jeanne Wendel.
"Bank Credit Cards: Consumer Irrationality versus Market Forces,"
Journal of Consumer Affairs, 30(2), Winter 1996, pp. 373-89.

Carlton, Dennis W. and Alan S. Frankel.
"Antitrust and Payment Technologies,"
Federal Reserve Bank of St. Louis Review, 77, December 1995, pp. 41-54.

Carlton, Dennis W. and Alan S. Frankel.
"The Antitrust Economics of Credit Card Networks,"
Antitrust Law Journal, 63(2), Winter 1995, pp. 643-68.

Carlton, Dennis W. and Steven C. Salop.
"You Keep on Knocking But You Can't Come In: Evaluating Restrictions on Access to Input Joint Ventures,"
Harvard Journal of Law and Technology, 9, 1996, pp. 319-52.

Carow, Kenneth A. and Michael E. Staten.
"Debit, Credit, or Cash: Survey Evidence on Gasoline Purchases,"
Journal of Economics and Business, 51(5), October 1999, pp. 409-21.

Caskey, John P. and Gordon H. Sellon, Jr.
"Is the Debit Card Revolution Finally Here?"
Federal Reserve Bank of Kansas City Economic Review, 79, 1994, pp. 79-95.

Castronova, Edward and Paul Hagstrom.
"The Demand for Credit Cards: Evidence from the Survey of Consumer Finances"
Economic Inquiry, 42, April 2004, pp. 304-318.

Chakravorti, Sujit.
"Theory of Credit Card Networks: A Survey of the Literature,"
Review of Network Economics, 2(2), June 2003, pp. 50-68.

Chakravorti, Sujit.
"Why Has Stored Value Not Caught On?"
Federal Reserve Bank of Chicago, S&R Working Paper 00-6, 2000.

Chakravorti, Sujit and Roberto Roson.
"Platform Competition in Two-Sided Markets: The Case of Payment Networks,"
Review of Network Economics, 5(1), 2006, pp. 118-142.

Chakravorti, Sujit and A. Shah.
"A Study of the Interrelated Bilateral Transactions in Credit Card Networks,"
Federal Reserve Bank of Chicago, Emerging Payments Occasional Paper EPS-2001-2, 2001.

Chakravorti, Sujit and Ted To.
"A Theory of Credit Cards,"
Federal Reserve Bank of Chicago, Working Paper, 2002.

Chakravorti, Sujit and Ted To.
"Toward a Theory of Merchant Credit Card Acceptance,"
Federal Reserve Bank of Chicago, Mimeo, 2000.

Chakravorti, Sujit and Ted To.
"A Theory of Merchant Credit Card Acceptance,"
Federal Reserve Bank of Chicago, Working Paper 99-16, 1999.

Chakravorti, Sujit and William R. Emmons.
"Who pays for Credit Cards?"
Federal Reserve Bank of Chicago, Emerging Payments Occasional Paper EPS-2001-1, 2001.

Chakravorti, Sujit and William R. Emmons.
"Are Credit Cards Overused?"
Federal Reserve Bank of Dallas, Mimeo, 1998.

Chang, Howard H. and David S. Evans.
"The Competitive Effects of the Collective Setting of Interchange Fees by Payment Card Systems,"
Antitrust Bulletin, 45(3), Fall 2000, pp. 641-77.

Cohen, Gail.
"Credit Cards and Buyer Price Protection,"
Northwestern Center for Mathematical Studies in Economics and Management Science, Discussion Paper 978, January 1992, p. 34.

Combs, Kathryn L. and Stacey L. Schreft.
"Do Consumers Really Want Credit Card Reform?"
Federal Reserve Bank of Kansas City Economic Review, 84, 1999, pp. 31-46.

Congressional Budget Office.
"Competition in ATM Markets: Are ATMs Money Machines?"
CBO Paper, 1998.

Congressional Budget Office.
"Emerging Electronic Methods for Making Retail Payments,"
CBO Study, 1996.

Covell, Andy.
"Real Networks Skins Apple, Microsoft,"
Network Computing, February 19, 2001.

Damiano, E. and Li Hao.
"Competing Matchmaking,"
University of Toronto, Mimeo, 2005.

Daniels, Kenneth N. and Neil B. Murphy.
"The Impact of Technological Change on Household Transactions Account Balances: An Empirical Cross-Section Study,"
Journal of Financial Services Research, 8, 1994, pp. 13-9.

Davies, Emma and Stephen E. G. Lea.
"Student Attitudes to Student Debt,"
Journal of Economic Psychology, 16(4), December 1995, pp. 663-79.

DellaVigna, Stefano and Ulrike Malmendier.
"Contract Design and Self-Control: Theory and Evidence,"
The Quarterly Journal of Economics, 119(2), May 2004, pp. 353-402.

Dey, Shubhasis and Gene Mumy.
"Determinants of Borrowing Limits on Credit Cards,"
Bank of Canada, Working Paper 2005-7, 2005.

Dias, Clecio and Jose Bortoni.
"Credit Cards, Pre-dated Checks and Consumer Credit in Brazil-An Information Asymmetry Approach,"
University of Illinois, Ph.D., 1999.

Donze, Jocelyn and Isabelle Dubec
"The Role of Interchange Fees in Shared ATM Networks"
Working Paper, February 2003.


Drehmann, Mathias, Charles Goodhart and Malte Krueger.
"The Challenges Facing Currency Usage: Will the Traditional Transactions Medium Be Able to Resist Competition from the New Technologies?,"
Economic Policy, 34, 2002, pp. 193-227.

Durkin, Thomas A.
"Credit Cards: Use and Consumer Attitudes, 1970-2000,"
Federal Reserve Bulletin, 86(9), September 2000, pp. 623-34.

Economides, Nicholas S.
"Network Economics with Application to Finance,"
Financial Markets, Institutions & Instruments, 2, 1993, pp. 89-97.

Economides, Nicholas S. and Lawrence J. White.
"Networks and Compatibility: Implications for Antitrust,"
European Economic Review, 38, 1994, pp. 651-62.

Eeckhout, Jan and Kaivan Munshi.
"Economic Institutions as Matching Markets,"
Mimeo, 2003.

Elfenbein, Dan and Josh Lerner.
"Links and Hyperlinks: An Empirical Analysis of Internet Portal Alliances, 1995-1999,"
Harvard University, Mimeo, 2001.

Ellison, G., D. Fudenberg, and M. Mbius
"Competing Auctions,"
Journal of the European Economic Association, 2(1), March 2004, pp. 30-66.

Emmons, William R.
"Price Stability and the Efficiency of the Retail Payments System,"
Federal Reserve Bank of St. Louis Review, 78, October 1996, pp. 49-68.

Evans, David S.
"The Antitrust Economics of Two-Sided Markets,"
AEI-Brookings Joint Center, Mimeo, 2002.

Evans, David S. and Richard Schmalensee.
"Paying with Plastic: The Digital Revolution in Buying and Borrowing,"
Cambridge, MA: MIT Press, 1999.

Evans, David S. and Richard Schmalensee.
"Economic Aspects of Payment Card Systems and Antitrust Policy Toward Joint Ventures,"
Antitrust Law Journal, 63(2), Winter 1995, pp. 861-901.

Evans, David S. and Richard Schmalensee.
"The Economics of the Payment Card Industry,"
Cambridge, MA: National Economic Research Associates, Inc., 1993.

Farrell, Joseph and Garth Saloner.
"Installed Base and Compatibility: Innovation, Product Preannouncements, and Predation,"
American Economic Review, 76, 1986, pp. 940-55.

Farrell, Joseph and Garth Saloner.
"Standardization, Compatibility, and Innovation,"
RAND Journal of Economics, 16, 1985, pp. 70-83.

Felgran, Steven D.
"From ATM to POS Networks: Branching, Access, and Pricing,"
New England Economic Review, May-June 1985, pp. 44-61.

Felgran, Steven D.
"Shared ATM Networks: Market Structure and Public Policy,"
New England Economic Review, February 1984, pp. 23-38.

Felgran, Steven D. and R. Edward Ferguson.
"The Evolution of Retail EFT Network,"
New England Economic Review, July-August 1986, pp. 42-56.

Ferrando, J., J.J. Gabszewicz, D. Laussel and N. Sonnac
"Two-Sided Network Effects and Competition : An Application to Media Industries,"
Mimeo, 2004.

Frankel, Alan S.
"Monopoly and Competition in the Supply and Exchange of Money,"
Antitrust Law Journal, 66, 1998, pp. 313-61.

Fudenberg, Drew and Jean Tirole.
"Pricing Under the Threat of Entry by a Sole Supplier of a Network Good,"
Journal of Industrial Economics, 48(4), 2000, pp. 373-90.

Gans, Joshua S. and Stephen P. King.
"Approaches to Regulating Interchange Fees in Payment Systems,"
Review of Network Economics, 2(2), June 2003, pp. 125-145.

Gans, Joshua S. and Stephen P. King.
"The Neutrality of Interchange Fees in Payment Systems,"
University of Melbourne, Mimeo, 2001.

Garcia, Aurora, Nikolaos Georgantzis, Pedro Pereira and Jose-C. Pernias-Cerrilo.
"Size and Bias Effects of Search Engines : Theory and Experimental Evidence,"
Mimeo, 2004.

Good, Barbara A.
"Will Electronic Money be adopted in the United States?"
Federal Reserve Bank of Cleveland, Working Paper 9822, 1998.

Good, Barbara A.
"Electronic Money,"
Federal Reserve Bank of Cleveland, Financial Services Working Paper 9716, 1997.

Green, Edward J.
"We need to think Straight about Electronic Payments,"
Journal of Money, Credit and Banking, 31(3), August 1999, pp. 668-70.

Gross, David B. and Nicholas S. Souleles.
"Do Liquidity Constraints and Interest Rates Matter for Consumer Behavior? Evidence from Credit Card Data,"
Quarterly Journal of Economics, 117(1), February 2002, pp. 149-85.

Gross, David B. and Nicholas S. Souleles.
"Consumer Response to Changes in Credit Supply: Evidence from Credit Card Data,"
Wharton School Center for Financial Institutions, University of Pennsylvania, Working Paper, 2001.

Guthrie, G. and J. Wright.
"Competing Payment Schemes,"
Mimeo, 2003.

Hagiu, Andrei
"Optimal Pricing and Commitment in Two-Sided Markets,"
Princeton University, Mimeo, 2001.

Hancock, Diana and David B. Humphrey.
"Payment Transactions, Instruments, and Systems: A Survey,"
Journal of Banking and Finance, 21, 1998, pp. 1573-624.

Hancock, Diana, David B. Humphrey, and James A. Wilcox.
"Cost Reductions in Electronic Payments: The Roles of Consolidation, Economies of Scale, and Technical Change,"
Journal of Banking and Finance, 23, 1999, pp. 391-421.

Hannan, Timothy H.
"Retail Fees of Depository Institutions, 1994-99,"
Federal Reserve Bulletin, 87, 2001, pp. 1-11.

Hannan, Timothy H., Elizabeth J. Kiser, James J. McAndrews, and Robin A. Prager.
"To Surcharge or Not to Surcharge: An Empirical Investigation of ATM Pricing,"
Board of Governors of the Federal Reserve System, Mimeo, 2000.

Hausman, Jerry A., Gregory Leonard, and Jean Tirole.
"On Nonexclusive Membership in Competing Joint Ventures,"
RAND Journal of Economics, 34, Spring 2003.

Harbord, David and Marco Ottaviani.
"Contracts and Competition in the Pay-TV Market,"
LBS, Department of Economics, WP n.DP 2001/5, July 2001.

Hayashi, Fumiko, Richard Sullivan and Stuart E. Weiner.
"A Guide to the ATM and Debit Card Industry,"
Payments System Research Department, Federal Reserve Bank of Kansas City, 2003.

Hayashi, Fumiko and Elizabeth Klee.
"Technology Adoption and Consumer Payments: Evidence from Survey Data,"
Review of Network Economics, 2(2), June 2003, pp. 175-190.

Hayhoe, Celia Ray, Lauren Leach, and Pamela R. Turner.
"Discriminating the Number of Credit Cards Held by College Students Using Credit and Money Attitudes,"
Journal of Economic Psychology, 20(6), December 1999, pp. 643-56.

Heng, Stefan.
"E-Payments: Modern Complement to Traditional Payment Systems,"
Economics Working Paper Archive at WUSTL, 2004.

Hermalin, Benjamin and Michael Katz.
"Your Network or Mine? The Economics of Routing Rules,"
Mimeo, 2004.

Higgins, Eric J., and Joseph R. Mason.
"What is the Value of Recourse to Asset-Backed Securities? A Clinical Study of Credit Card Banks,"
Journal of Banking and Finance, 28(4), April 2004, pp. 875-899.

Hirschman, Elizabeth C.
"Differences in Consumer Purchase Behavior by Credit Card Payment System,"
Journal of Consumer Research, 6, 1979, pp. 58-66.

Humphrey, David, et al.
"What does it Cost to Make a Payment,"
Review of Network Economics, 2(2), June 2003, pp. 159-174.

Humphrey, David B.
"Replacement of Cash by Cards in US Consumer Payments,"
Journal of Economics and Business, 56(3), May-June 2004, pp. 211-225.

Humphrey, David B.
"The Economics of Electronic Benefit Transfer Payments,"
Federal Reserve Bank of Richmond Economic Quarterly, 82, Spring 1996, pp. 77-94.

Humphrey, David B.
"Delivering Deposit Services: ATMs versus Branches,"
Federal Reserve Bank of Richmond Economic Quarterly, 80, Spring 1994, pp. 59-81.

Humphrey, David B., Moshe Kim and Bent Vale.
"Realizing the Gains from Electronic Payments: Costs, Pricing, and Payment Choice,"
Journal of Money, Credit and Banking, 33, pp. 216-34.

Humphrey, David B., Lawrence B. Pulley, and Julla M. Vesala.
"The Check's in the Mail: Why the United States Lags in the Adoption of Cost-Saving Electronic Payments,"
Journal of Financial Services Research, 17, 2000, pp. 17-39.

Humphrey, David B., Lawrence B. Pulley, and Julla M. Vesala.
"Cash Paper, and Electronic Payments: A Cross Country Analysis,"
Journal of Money, Credit and Banking, 28, 1996, pp. 914-39.

Hunt, Robert M.
"An Introduction to the Economics of Payment Card Networks,"
Review of Network Economics, 2(2), June 2003, pp. 80-96.

Ingo, Pippow and Schoder Detlef.
"The Demand for Stored Value Payment Instruments,"
Institute for Computer Sciences & Social Studies Freiburg, Albert-Ludwigs-University Freiburg, Working Paper, April 2002.

Jeon, Doh Shin, Jean-Jacques Laffont, and Jean Tirole.
"On the Receiver Pays Principle,"
Rand Journal of Economics, 35(1), Spring 2004, pp. 85-110.

Jyrknen, Hanna and Heli Paunonen.
"Card, Internet and Mobile Payments in Finland,"
Bank of Finland Discussion Papers, 2003.


Johnson, Robert W.
"Pricing of Bank Card Services,"
Journal of Retail Banking, 1, 1979, pp. 16-22.

Jullien, Bruno.
"Competing with Network Externalities and Price Competition,"
IDEI, University of Toulouse, Mimeo, 2001.

Kahn, Charles M., James J. McAndrews, and William Roberds.
"A Theory of Transactions Privacy,"
Federal Reserve Bank of Atlanta, Working Paper 2000-22, 2000.

Katz, Michael L. and Carl Shapiro.
"Technology Adoption in the Presence of Network Externalities,"
Journal of Political Economy, 94, 1986, pp. 822-41.

Katz, Michael L. and Carl Shapiro.
"Network Externalities, Competition, and Compatibility,"
American Economic Review, 75, 1985, pp. 424-40.

Katsamakas, E. and Y. Bakos.
"Design and Ownership of Two-Sided Networks : Implications for Internet Intermediaries,"
Stern School of Business, Mimeo, 2004.

Kennickell, Arthur B. and Myron L. Kwast.
"Who Uses Electronic Banking? Result from the 1995 Survey of Consumer Finances,"
Washington: Board of Governors of the Federal Reserve System, Finance and Economics Discussion Paper Series 97-35, 1997.

Kim, Taehyung, Lucia F. Dunn and Gene E. Mumy.
"Bank Competition and Consumer Search over Credit Card Interest Rates,"
Economic Inquiry, 42, April 2005, pp. 344-352.

Kim, Jeon-Yoo, Kwark, Noh-Sun and Nae-Chan Lee.
"Revenue-Sharing and Interconnection in the Wireless Internet,"
Mimeo, 2004.

Kim, J.
"The Impact of Proprietary Positions and Equity Interest in the Pricing of Network ATM Services,"
Massachusetts Institute of Technology, Mimeo, 1998.

Kind, Hans-Jarle, Tore Nilssen and Lars Sorgard.
"Advertising on TV: Under-or Overprovision?,"
Mimeo, 2005.

Kitch, Edmund W.
"The Framing Hypothesis: Is it Supported by Credit Card Issuer Opposition to a Surcharge on a Cash Prices?"
Journal of Law, Economics and Organization, 6, 1990, pp. 217-33.

Kuttner, Kenneth N. and James J. McAndrews.
"Personal On-Line Payments,"
Federal Reserve Bank of New York Economic Policy Review, 7(3), December 2001, pp. 35-50.

Laderman, Elizabeth S.
"The Public Policy Implications of State Laws Pertaining to Automated Teller Machines,"
Federal Reserve Bank of San Francisco Economic Review, 1990.

Laffont, Jean-Jacques, Patrick Rey, and Jean Tirole.
"Network Competition: I. Overview and Nondiscriminatory Pricing,"
RAND Journal of Economics, 29, 1998a, pp. 1-37.

Laffont, Jean-Jacques, Patrick Rey, and Jean Tirole.
"Network Competition: II. Price Discrimination,"
RAND Journal of Economics, 29, 1998b, pp. 38-56.

Laffont, Jean-Jacques, Scott Marcus, Patrick Rey, and Jean Tirole.
"Internet Interconnection and the Off-Net-Cost Pricing Principle,"
IDEI, University of Toulouse, Mimeo, 2001.

Laibson, David, Andrea Repetto, and Jeremy Tobacman.
"A Debt Puzzle,"
Harvard University, Working Paper, September 16, 2001.

Lee, Boon-Chye and Olyjoke Longe-Akindemowo.
"Regulatory Issues in Electronic Money: A Legal-Economics Analysis,"
Netnomics, 1(1), March 1999, pp. 53-70.

Lindley, James T., Patricia Rudolph, and Edward B. Selby, Jr.
"Credit Card Possession and Use: Changes over Time,"
Journal of Economics and Business, 41, 1989, pp. 127-42.

Mandel, Lewis.
"The Credit Card Industry: A History,"
Twayne's Evolution of American Business Series: Industries Institutions, and Entrepreneurs, n 4, Boston: Hall, Twayne Publishers, 1990.

Manenti, F. and E. Somma.
"Plastic Clashes: Competition among Closed and Open Systems in the Credit Card Industry,"
Mimeo, 2003.

Mann, Ronald J.
"Credit Cards and Debit Cards in the United States and Japan,"
Monetary and Economic Studies, 20(1), January 2002, pp. 123-59.

Mann, Ronald J.
"A Payments Policy for the Information Age,"
University of Michigan Law School, Working Paper 00-001, 2000.

Manning, Robert D.
"Credit Card Nation,"
New York: Basic Books, 2000.

Manning, Robert D.
"Credit Card on Campus: Costs and Consequences of Student Debt,"
Washington, DC: Consumer Federation of America, 1999.

Mantel, Brian.
"Why Do Consumers Pay Bills Electronically? An Empirical Analysis,"
Federal Reserve Bank of Chicago Economic Perspectives, 25, 2000, pp. 32-47.

Mantel, Brian.
"Why Don't Consumers Use Electronic Banking Products? Towards A Theory of Obstacles, Incentives, and Opportunities,"
Federal Reserve Bank of Chicago, Emerging Payments Occasional Paper EPS-00-1, 2000.

Massoud, Nadia and Dan Bernhardt.
"Rip-off ATM Surcharges,"
The Rand Journal of Economics, 33(1), Spring 2002.

Masters, Adrian and Luis Raul Rodriguez-Reyes.
"Endogenous Credit-Card Acceptance in a Model of Precautionary Demand for Money,"
Oxford Economic Papers, 2004.

Matutes, Carmen and A. Jorge Padilla.
"Shared ATM Networks and Banking Competition,"
European Economic Review, 38, 1994, pp. 1113-38.

McAndrews, James J.
"Automated Teller Machine Network Pricing - A Review of the Literature,"
Review of Network Economics, 2(2), June 2003, pp. 146-158.

McAndrews, James J.
"E-Money and Payment System Risk,"
Contemporary Economic Policy, 17, 1999, pp. 348-57.

McAndrews, James J.
"Network Issues and Payment Systems,"
Federal Reserve Bank of Philadelphia Business Review, December 1997, pp. 15-25.

McAndrews, James J.
"The Role of Direct Presentment in Non-Cash Payments,"
Federal Reserve Bank of New-York, Research Paper, 1997.

McAndrews, James J.
"Retail Pricing of ATM Network Services,"
Federal Reserve Bank of Philadelphia, Working Paper 96-12, 1996.

McAndrews, J. and D. Morgan.
"Who is Calling, Please? On Anonymous Calling and Caller ID,"
Federal Reserve Bank of New York, Mimeo, 2003.

McAndrews, James J. and Chris Stefanadis.
"The Issues of Exclusivity and Overlapping Governance in the Visa and MasterCard Antitrust Case,"
Federal Reserve Bank of New York, Mimeo, 1999.

McAndrews, James J. and David A. Balto.
"Joint Venture Payment Networks and Public Policy,"
Federal Reserve Bank of New York, Mimeo, 1998.

McAndrews, James J. and John Wenninger.
"Capturing the Information Content of Money: Competition and Transaction Tracking,"
Federal Reserve Bank of New York, Mimeo, 1999.

McAndrews, James J. and Kenneth N. Kuttner.
"Personal Online Payments,"
Economic Policy Review, Federal Reserve Bank of New York, 7(3), December 2001.

McAndrews, James J. and Rafael Rob.
"Shared Ownership and Pricing in a Network Switch,"
International Journal of Industrial Organization, 14, 1996, pp. 727-45.

McAndrews, James J. and William Roberts.
"A General Equilibrium Analysis of Check Float,"
Journal of Financial Intermediation, 8, 1999, pp. 353-77.

Mester, Loretta J.
"The Changing Nature of the Payments System: Should New Players Mean New Rules?"
Federal Reserve Bank of Philadelphia Business Review, March-April 2000, pp. 3-26.

Mester, Loretta J.
"Why Are Credit Card Rates Sticky?"
Economic Theory, 4, 1994, pp. 505-30.

Meyercord, Andrea.
"Recent Trends in the Profitability of Credit Card Banks,"
Federal Reserve Bank of New York Quarterly Review, 19, Summer-Fall 1994, pp. 107-11.

Murphy, Michael M. and Mack Ott.
"Retail Credit, Credit Cards and Price Discrimination,"
Southern Economic Journal, 43(3), January 1977, pp. 1303-12.

Murphy, Neil B.
"Determinants of Household Check Writing: The Impacts of the Use of Electronic Banking Services and Alternative Pricing of Services,"
Financial Services Review, 1, 1994, pp. 35-44.

Nash, Robert C. and Joseph F. Sinkey.
"On Competition, Risk, and Hidden Assets in the Market for Bank Credit Cards,"
Journal of Banking and Finance, 21(1), January 1997, pp. 89-112.

Neeman, Zvika and Nir Vulkan.
"Markets Versus Negotiations: The Predominance of Centralized Markets,"
Boston University & The Said Business School, Mimeo, 2003.

Nocke, Volker, Martin Peitz and Konrad Stahl.
"Platform Ownership,"
University of Pennsylvannia & University of Mannheim, Mimeo, 2004.

Osterberg, William P. and James B. Thomson.
"Network Externalities: The Catch-22 of Retail Payments Innovations,"
Federal Reserve Bank of Cleveland Economic Commentary, February 1998.

Oxley, Joanne E. and Bernard Yeung.
"E-Commerce Readiness: Institutional Environment and International Competitiveness,"
Journal of International Business Studies, 32(4), 2001, pp. 705-23.

Park, Sangkyun.
"Effects of Price Competition in the Credit Card Industry,"
Economics Letters, 57, 1997, pp. 79-85.

Park, Sangkyun.
"Option Value of Credit Lines as an Explanation of High Credit Card Rates,"
Federal Reserve Bank of New York, Research Paper 9702, 1997.

Park, Sangkyun.
"The Credit Card Industry: Profitability and Efficiency,"
Federal Reserve Bank of New York, Research Paper 9314, 1993.

Parker, G. and M. Van Alstyne.
"Mechanism Design to Promote Free Market and Open Source Software Innovation,"
Tulane University & University of Michigan, Mimeo, 2004.

Parker, Geoffrey G. and Marshall W. Van Alstyne.
"Information Complements, Substitutes, and Strategic Product Design,"
Tulane University and University of Michigan, Mimeo, 2004.

Piffaretti, Nadia F.
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