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DEBIT CARDS

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

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

Carow, Kenneth A. and Michael E. Staten.
"Debit, Credit, and Cash: Survey Evidence on Gasoline Purchases,"
Journal of Economics and Business, 51, 1999, pp. 409-422.

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.

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.

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


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


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.

Guthrie, Graeme and Julian Wright.
"Competing Payment Schemes,"
Mimeo, 2003.

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.

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.

Hermalin, Benjamin and Michael Katz.
"Your Network or Mine? The Economics of Routing Rules,"
Rand Journal of Economics, 37 (3), Autumn 2006.

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. 216-234, 2001.

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

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


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

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

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

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

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

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.

Raa, Thijs ten, and Victoria Shestalova.
"Empirical Evidence on Payment Media Costs and Switch Points,"
Journal of Banking and Finance, 28(1), January 2004, pp. 203-213.

Saloner, Garth and Andrea Shephard.
"Adoption of Technologies with Network Effects: An Empirical Examination of the Adoption of Automated Teller Machines,"
RAND Journal of Economics, 26, 1995, pp. 479-501.

Salop, Steven C.
"Deregulating Self-Regulated Shared ATM Networks,"
Economics of Innovation and New Technology, 1, 1990, pp. 85-96.

Stavins, Joanna.
"ATM Fees: Does Bank Size Matter?"
New England Economic Review, January 2000, pp. 13-24.

Stix, Helmuth.
"How Do Debit Cards Affect Cash Demand? Survey Data Evidence,"
Empirica, 31(2), 2004, pp. 93-115.

Zilberfarb, Ben-Zion.
"The Effect of Automated Teller Machines on Demand Deposits: An Empirical Analysis,"
Journal of Financial Services Research, 2, 1989, pp. 49-57.