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Please use this identifier to cite or link to this item:
http://hdl.handle.net/2451/14358
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| Title: | AUTOMATED TELLER MACHINE (ATM) NETWORK EVOLUTION IN AMERICAN RETAIL
BANKING: WHAT DRIVES IT? |
| Authors: | Kauffman, Robert J.
Theisen, Mary Beth |
| Issue Date: | Nov-1990 |
| Publisher: | Stern School of Business, New York University |
| Series/Report no.: | IS-91-02 |
| Abstract: | The organization of automated teller machine (ATM) and electronic
banking services in the United States has undergone significant
structural changes in the past two or three years that raise questions
about the long term prospects for the retail banking industry, the
nature of network competition, ATM service pricing, and what role ATMs
will play in the development of an interstate banking system. In this
paper we investigate ways that banks use ATM services and membership in
ATM networks as strategic marketing tools. We also examine how the
changes in the size, number, and ownership of ATM networks (from banks
or groups of banks to independent operators) have impacted the structure
of ATM deployment in the retail banking industry. Finally, we consider
how movement toward market saturation is changing how the public values
electronic banking services, and what this means for bankers. |
| URI: | http://hdl.handle.net/2451/14358 |
| Appears in Collections: | IOMS: Information Systems Working Papers
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