论文信息 - Delivering Deposit Services: ATMs versus Branches

Delivering Deposit Services: ATMs versus Branches

Automated teller machines (ATMs) have expanded in number from 2,000 to 90,000 over the last 20 years, substantially increasing consumer convenience in the delivery of deposit services. The cost reductions expected to flow to banks from the substitution of ATMs for banking offices have not been realized, but bank profits appear to have risen slightly from this technological change.

D. Humphrey | David B. Humphrey

[1] D. Humphrey,et al. The Role of Fixed Costs and Cost Complementarities in Determining Scope Economies and the Cost of Narrow Banking Proposals , 1993 .

[2] Timothy H. Hannan,et al. Inferring market power from time-series data: The case of the banking firm , 1993 .

[3] James J. McAndrews,et al. The evolution of shared ATM networks , 1991 .

[4] Currency Use and Payment Patterns , 1992 .

[5] D. Hancock. A model of the financial firm with imperfect asset and deposit elasticities , 1986 .

[6] William J. Baumol,et al. The Transactions Demand for Cash: An Inventory Theoretic Approach , 1952 .

[7] David Ruppert,et al. Power Transformations When Fitting Theoretical Models to Data , 1984 .

[8] Y. Braunstein,et al. A Composite Cost Function for Multiproduct Firms with an Application to Economies of Scope in Banking , 1992 .

[9] Allen N. Berger,et al. The dominance of inefficiencies over scale and product mix economies in banking , 1991 .

[10] David A. Walker. Economies of scale in electronic funds transfer systems , 1978 .

[11] Loretta J. Mester. A Multiproduct Cost Study of Savings and Loans , 1987 .

[12] Elizabeth S. Laderman,et al. The public policy implications of state laws pertaining to automated teller machines , 1990 .

[13] D. Ruppert,et al. Transformation and Weighting in Regression , 1988 .

[14] Allen N. Berger,et al. Market failure and resource use: economic incentives to use different payment instruments , 1988 .