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The ATM Reforms - New Evidence from Survey and Market Data

Author

Listed:
  • Darren Flood

    (Reserve Bank of Australia)

  • Jennifer Hancock

    (Reserve Bank of Australia)

  • Kylie Smith

    (Reserve Bank of Australia)

Abstract

Following the introduction of direct charging in March 2009, ATM pricing has become more transparent and flexible. Cardholders continue to respond to the clearer price signals by changing their cash withdrawal behaviour to avoid paying direct charges, and newly available data indicate that behaviour varies across age groups and geographic locations. For the small proportion of transactions that do incur a direct charge, flexibility in ATM pricing has led to a distinct pattern in these charges across different types of ATM locations. Variations in business models between ATM owners mean that most consumers have access to a large number of ATMs on which they pay no direct charge, while it remains possible for ATMs to be profitably deployed in high-cost or low-volume locations.

Suggested Citation

  • Darren Flood & Jennifer Hancock & Kylie Smith, 2011. "The ATM Reforms - New Evidence from Survey and Market Data," RBA Bulletin (Print copy discontinued), Reserve Bank of Australia, pages 43-50, March.
    • Handle: RePEc:rba:rbabul:mar2011-07
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    File URL: https://www.rba.gov.au/publications/bulletin/2011/mar/pdf/bu-0311-7.pdf
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    Citations

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    Cited by:

    1. Donze Jocelyn & Dubec Isabelle, 2011. "ATM Direct Charging Reform: the Effect of Independent Deployers on Welfare," Review of Network Economics, De Gruyter, vol. 10(2), pages 1-23, June.
    2. Wenzel Tobias, 2013. "Naive Consumers, Banking Competition, and ATM Pricing," Review of Network Economics, De Gruyter, vol. 12(3), pages 271-286, October.
    3. Stephen Mitchell & Chris Thompson, 2017. "Recent Developments in the ATM Industry," RBA Bulletin (Print copy discontinued), Reserve Bank of Australia, pages 47-54, December.
    4. Clémentine Cottineau & Julie Vallée, 2022. "Introduction," Post-Print hal-03806227, HAL.
    5. Darren Flood & Stephen Mitchell, 2016. "The ATM System since the 2009 Reforms," RBA Bulletin (Print copy discontinued), Reserve Bank of Australia, pages 31-38, March.

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