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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.
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