No description available.

Thesis (Ph. D.)--University of Washington, 2004. / Vita. Includes bibliographical references (p. 151-162).

No description available.

M.Comm. (Accounting) / Please refer to full text to view abstract

Thesis (M.B.A.)--University of Hong Kong, 1985.

published_or_final_version / Business Administration / Master / Master of Business Administration

This thesis concerns the effects of network member features on the pricing of automated teller machine (ATM) transactions. The first chapter outlines the development of ATM networks and provides an institutional and public policy backdrop for the theoretical and empirical analysis in the thesis. ATM fees have recently received increased attention in North America due to the Interac abuse of dominance case in Canada and the widespread introduction of surcharge fees at ATMs in the United States. In Chapter 2, a new circular spatial model of ATM networks is developed and used to analyze the pricing preferences of banks when choosing to link their proprietary ATM networks into a shared network. This model captures the consumer trade-off between the inconvenience of travelling to a machine of their own bank and the fee charged to use the machine of a rival bank. In this chapter, there are two banks, which differ only with respect to the size of their client bases. The results show that the smaller bank's preferred common transaction fee always exceeds that of its larger competitor. The bank with the larger client base will always choose to link networks provided that the common fee charged by both banks is non-negative. For both banks there is always a range of common fees for which there is mutual gain from linking the networks. When surcharges are allowed, both banks have an incentive to raise fees above the common fee that was charged previously. In Chapter 3 the model is adapted to consider the effects of an asymmetry in the number of machines owned by each bank. For the same client base in each bank, the results show that the bank with the larger number of machines prefers a higher common fee than does its rival. When surcharges are allowed, the bank with the larger number of ATM machines will choose to price discriminate by location of machine. Such behaviour has been observed in the United States.

Thesis (MSc)--Stellenbosch University, 2001. / ENGLISH ABSTRACT: Automated teller machines (ATMs) are a very important part of our daily lives. They are the key to accessing our bank accounts. Where they are located can determine how easy or difficult it is to access our bank accounts. ATMs are primarily designed to serve customers and should therefore be accessible and convenient to the customers. Hence, the question of where the ATMs should be located is a prime issue to both the customer and the bank. A geographical information system (GIS) is a tool that can be used to assist in answering questions about locations. It provides a means of determining optimal locations for any spatially referenced object. Against this backdrop, this study was undertaken to develop a method with which GIS can be used to find optimal locations for ATMs, taking Stellenbosch as a case study. Firstly, it was necessary to understand current factors affecting ATM locations, both locally and internationally. An extensive literature survey was conducted to gain an understanding of problems relating to locating ATMs. Interviews with bank officials were conducted to help understand more fully the problems and the current procedures used in locating ATMs. Obtaining the public's perception of ATMs was also paramount to this study. A household questionnaire survey was conducted in Stellenbosch to ascertain how customers feel about the current location of ATMs in Stellenbosch. Secondly, GIS was considered and evaluated as a tool to find optimal locations for ATMs. This involved discussing the capabilities of GIS and the various options that banks may have available. Thirdly, the ability of using GIS to find optimal sites was tested by applying GIS to Stellenbosch. Having done this, GIS was then used to find additional ATM sites. The results provide a basis for banks to locate ATMs in general. Keywords: GIS, ATMs, location, optimal locations, location-allocation, models, MINDISTANCE, MAKCOVER, MAXATTEND, MINDISTPOWER. / AFRIKAANSE OPSOMMING: Outomatiese tellermasjiene (OTMs) speel 'n baie belangrike rol in ons lewens vandag aangesien ons die meeste van ons banktransaksies deur middel van 'n OTM doen en ons bankrekeninge sodoende kontroleer. Die OTMs se primere doel is om 'n diens aan bank kliente te lewer, dus is dit uiters belangrik om liggings te identifiseer wat gerieflik en toeganklik is vir die kliënte en die bank. 'n Geografiese inligtingstelsel (GIS) kan gebruik word om vrae in verband met bestaande en beplande liggings vir OTMs te beantwoord. Die stelsel kan optimale liggings identifiseer vir spesefieke doeleindes, byvoorbeeld OTMs, ens. Teen hierdie agtergrond is hierdie studie onderneem om 'n metode te ontwikkel waarmee GIS aangewend kan word om optimale liggings vir OTMs te vind, met Stelle bosch as 'n gevallestudie. Ten eerste was dit nodig om die huidige faktore met betrekking tot die liggingskeuse vir OTMs, beide in die buiteind en die binneland, te ondersoek. "n Uitgebreide literatuursoektog is geloods om die probleme wat gepaard gaan met die bepaling van die keuse van "n OTM ligging, te bestudeer. Onderhoude is gevoer met amptenare van verskillende banke om die probleme rondom die kies van OTM-plasings te verstaan. Kliënte is ook genader vir hulle idees, benogdighede en probleme oor OTM-liggings in Stellenbosch. Tweedens is GIS geëvalueer as 'n moontlike stelselom die beste liggings vir OTM'e te bepaal. Dit het 'n bespreking van die vermoëns en voordele van GIS behels, sowel as 'n oorsig van beskikbare opsies vir die bank. Die vermoë om met die gebruik van GIS addisionele liggings vir OTMs in Stellenbosch te identifiseer, is daarna getoets. Die resultaat bied aan banke "n keuse van alternatiewe liggings vir die plasing van OTMs. Sluitelwoorde: GIS, ATMs, ligging, optimale ligging, ligging-toesegging, modelle, MINDISTANCE, MAXCOVER, MAXA1TEND, MINDISTPOWER

This thesis concerns the effects of network member features on the pricing of automated teller machine (ATM) transactions. The first chapter outlines the development of ATM networks and provides an institutional and public policy backdrop for the theoretical and empirical analysis in the thesis. ATM fees have recently received increased attention in North America due to the Interac abuse of dominance case in Canada and the widespread introduction of surcharge fees at ATMs in the United States. In Chapter 2, a new circular spatial model of ATM networks is developed and used to analyze the pricing preferences of banks when choosing to link their proprietary ATM networks into a shared network. This model captures the consumer trade-off between the inconvenience of travelling to a machine of their own bank and the fee charged to use the machine of a rival bank. In this chapter, there are two banks, which differ only with respect to the size of their client bases. The results show that the smaller bank's preferred common transaction fee always exceeds that of its larger competitor. The bank with the larger client base will always choose to link networks provided that the common fee charged by both banks is non-negative. For both banks there is always a range of common fees for which there is mutual gain from linking the networks. When surcharges are allowed, both banks have an incentive to raise fees above the common fee that was charged previously. In Chapter 3 the model is adapted to consider the effects of an asymmetry in the number of machines owned by each bank. For the same client base in each bank, the results show that the bank with the larger number of machines prefers a higher common fee than does its rival. When surcharges are allowed, the bank with the larger number of ATM machines will choose to price discriminate by location of machine. Such behaviour has been observed in the United States. / Business, Sauder School of / Graduate

by Ho Yiu Hung, Ronald. / Thesis (M.B.A.)--Chinese University of Hong Kong, 1989. / Bibliography: leaf 77.