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Please use this identifier to cite or link to this item:
http://hdl.handle.net/2451/27215
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| Title: | Is There a Customer Relationship Effect from Bank ATM Surcharges? |
| Authors: | Massoud, Nadia
Saunders, Anthony
Scholnick, Barry |
| Issue Date: | Jul-2003 |
| Series/Report no.: | FIN-03-020 |
| Abstract: | This paper investigates the use of ATM surcharges as a sategic device to
increase bank profitability. We show that ATM surcharge changes can have
both a direct effect on bank profitability and an indirect effect via
customer switching and a related customer relationship effect. That is,
customer switching results in an increase in the demand for other
services provided by the surcharge increasing bank. Using unique data
bases, we provide evidence to show that overall bank profitability is
favorably affected by surcharge increases. We also show evidence
supporting the existence of an indirect effect, especially for larger banks. |
| URI: | http://hdl.handle.net/2451/27215 |
| Appears in Collections: | Finance Working Papers
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