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RBA Glossary definition for ATM

ATM – Automated Teller Machine

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ATM Fees, Pricing and Consumer Behaviour: An Analysis of ATM Network Reform in Australia

9 Aug 2012 RDP 2012-03
Clare Noone
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/2012/2012-03.html

The ATM Market in Australia

31 Dec 2012 RDP 2012-03
Clare Noone
per cent of the ATMs in Australia owned by banks, credit unions and building societies in 2009; sample for direct fee comprises 12 ATM operators (financial institutions and independent operators) that ... With the move to charging direct fees, ATM
https://www.rba.gov.au/publications/rdp/2012/2012-03/atm-mkt-australia.html

ATM Fees, Pricing and Consumer Behaviour: An Analysis of ATM Network Reform in Australia

31 Dec 2012 RDP 2012-03
Clare Noone
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/2012/2012-03/

Theoretical Models of ATM Fees and Empirical Findings

31 Dec 2012 RDP 2012-03
Clare Noone
Massoud and Bernhardt (2004) endogenise the ATM deployment decision and find that when direct fees are charged, banks have an incentive to over-provide ATMs. ... They predict that the elimination of interchange fees will lead to more non-bank ATM
https://www.rba.gov.au/publications/rdp/2012/2012-03/theoretical-models-findings.html

Conclusion

31 Dec 2012 RDP 2012-03
Clare Noone
RDP 2012-03: ATM Fees, Pricing and Consumer Behaviour: An Analysis of ATM Network Reform in Australia 6. ... foreign fees was required to cover own-bank processing costs, foreign fees have mostly been eliminated since the 2009 ATM reforms.
https://www.rba.gov.au/publications/rdp/2012/2012-03/conclusion.html

Appendix B: Definitions

31 Dec 2012 RDP 2012-03
Clare Noone
Download the Paper 739. KB. l. Circumference of city. l. Distance between ATMs. ... M. Number of ATMs deployed by each bank in the two-bank case.
https://www.rba.gov.au/publications/rdp/2012/2012-03/appendix-b.html

Appendix A: Distribution of Fees

31 Dec 2012 RDP 2012-03
Clare Noone
RDP 2012-03: ATM Fees, Pricing and Consumer Behaviour: An Analysis of ATM Network Reform in Australia Appendix A: Distribution of Fees.
https://www.rba.gov.au/publications/rdp/2012/2012-03/appendix-a.html

Consumer Behaviour Post-reform

31 Dec 2012 RDP 2012-03
Clare Noone
Download the Paper 739. KB. A key feature of the Australian ATM market post-reform has been consumers' sharp and sustained shift away from using foreign ATMs (Figures 5 and 6). ... The proportion of consumers using own-bank ATMs now consists of those
https://www.rba.gov.au/publications/rdp/2012/2012-03/consumer-behaviour.html

The Model and Implications

31 Dec 2012 RDP 2012-03
Clare Noone
i. τ)ρ. ij. Own customers cost the bank the ATM usage cost in proportion to their use of own-bank ATMs, cρ. ... the cost of providing ATM services and distance between ATMs are given by c = 1 and l = 2.
https://www.rba.gov.au/publications/rdp/2012/2012-03/model-implications.html

References

31 Dec 2012 RDP 2012-03
Clare Noone
Filipovski B and D Flood (2010), ‘Reform of the ATM System – One Year On’, RBA. ... Massoud N and D Bernhardt (2002), ‘“Rip-off” ATM Surcharges’,. The RAND Journal of Economics. ,
https://www.rba.gov.au/publications/rdp/2012/2012-03/references.html