• Chioveanu, I.; Fauli-Oller, R.; Sandonis, J. and Santamaria, J., 2007, ‘ATM Surcharges: Effects on Deployment and Welfare,’ IVIE WP-AD 2007-12, available at
  • Croft, E. and Spencer, B., 2004, ‘Fees and Surcharging in ATM Networks: The Role of Nonbanks and Depositor Base,’ mimeo, available at or earlier version at
  • Cruickshank, D., 2000, ‘Competition in UK banking: A Report to the Chancellor of Exchequer,’
  • Donze, J. and Dubec, I., 2006, ‘The Role of Interchange Fees in ATM Networks,’ International Journal of Industrial Organization, 24 (1), pp. 2943.
  • Donze, J. and Dubec, I., 2009, ‘Paying for ATM Usage: Good for Consumers, Bad for Banks?,’ Journal of Industrial Economics., 57, pp.
  • Gowrisankaran, G. and Krainer, J., 2005, ‘The Welfare Consequences of ATM Surcharges: Evidence from a Structural Entry Model,’ Federal Reserve Bank of San Francisco, WP 2005-01, San Francisco, California, U.S.A.
  • Hannan, T. H. and Borzekowski, R., 2006, ‘Incompatibility and investment in ATM Networks,’ mimeo, Federal Reserve Board, Finance and Economics Discussion Series, wp 2006-36, available at http://www.federal/
  • Hannan, T.; Kiser, E.; Prager, R. and McAndrews, J., 2003, ‘To Surcharge or Not to Surcharge: An Empirical Investigation of ATM Pricing,’ Review of Economics and Statistics, 85 (4), pp. 9901002.
  • Hannan, T., 2007, ‘ATM Surcharge Bans and Bank Market Structure: The Case of Iowa and its Neighbors,’ Journal of Banking and Finance, 31 (4), pp. 10611082.
  • Knittel, C. R. and Stango, V., 2007, ‘Strategic Incompatibility in ATM Markets,’ mimeo, University of California at Davis working paper available at or earlier version [2006], at
  • Knittel, C. R. and Stango, V., 2009, ‘How Does Incompatibility Affect Prices?: Evidence from ATM's,’ Journal of Industrial Economics., 57, pp. 557582.
  • Knittel, C. R. and Stango, V., 2008, ‘Incompatibility, Product Attributes and Consumer Welfare: Evidence from ATM's,’ B.E. Journal of Economic Analysis & Policy, 8 (1), pp. 140.
  • Massoud, N.; Saunders, A. and Scholnick, B., 2006, ‘The Impact of ATM Surcharges on Large Versus Small Banks: Is There a Switching Effect?, forthcoming in Journal of Business.
  • Massoud, N. and Bernhardt, D., 2004, ‘Endogenous ATM Networks and Pricing,’ mimeo, York University, Canada, working paper available at
  • Massoud, N. and Bernhardt, D., 2002, ‘Rip-off ATM Surcharges,’ Rand Journal of Economics, 33 (1), pp. 96115.
  • Matutes, C. and Padilla, J., 1994, ‘Share ATM Networks and Banking Competition,’ European Economic Review, 38, pp. 11131138.
  • McAndrews, J., 2003, ‘Automated Teller Machine Network Pricing – A Review of the Literature,’ Review of Network Economics, 2 (2), pp. 146158.
  • Reserve Bank of Australia and Australian Competition and Consumer Commission, 2000, ‘Debit and Credit Card Schemes in Australia: A Study of Interchange Fees and Access,’ available at