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A Guide to the ATM and Debit Card Industry.pdf

September 2, 2009 · Filed Under Finance · Comment  · Tags: , , , ,

Taken from Abstract: The ATM and debit card industry is undergoing significant change. Some of the most dramatic changes include the sharp growth in point-of-sale debit card transactions, the intense competition between online and offline debit, the heavy consolidation of regional EFT networks and third-party service providers, the growing importance of nonbank ownership of networks, and new pricing structures and strategies. This paper provides a guide to the current structure of the ATM and debit card industry. It also highlights some key economic and public policy issues. Among the issues addressed are market concentration, vertical integration and economies of scope, pricing, access, and risk.

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