Automated Teller Machine (Atm) Network Evolution in American Retail Banking: What Drives it?

19 Pages Posted: 31 Oct 2008

See all articles by Robert J. Kauffman

Robert J. Kauffman

Singapore Management University; Singapore Management University - School of Information Systems

Mary Beth Theisen

affiliation not provided to SSRN

Date Written: November 1990

Abstract

The organization of automated teller machine (ATM) and electronicbanking services in the United States has undergone significantstructural changes in the past two or three years that raisequestions about the long term prospects for the retail bankingindustry, the nature of network competition, ATM service pricing,and what role ATMs will play in the development of an interstatebanking system. In this paper we investigate ways that banks useATM services and membership in ATM networks as strategic marketingtools. We also examine how the changes in the size, number, andownership of ATM networks (from banks or groups of banks toindependent operators) have impacted the structure of ATMdeployment in the retail banking industry. Finally, we considerhow movement toward market saturation is changing how the publicvalues electronic banking services, and what this means forbankers.

Suggested Citation

Kauffman, Robert J. and Theisen, Mary Beth, Automated Teller Machine (Atm) Network Evolution in American Retail Banking: What Drives it? (November 1990). NYU Stern School of Business Research Paper Series, Forthcoming, Available at SSRN: https://ssrn.com/abstract=1289026

Robert J. Kauffman (Contact Author)

Singapore Management University ( email )

Li Ka Shing Library
70 Stamford Road
Singapore 178901, 178899
Singapore
65-6828-929 (Phone)

Singapore Management University - School of Information Systems ( email )

80 Stamford Road
Singapore, 178902
Singapore

Mary Beth Theisen

affiliation not provided to SSRN

No Address Available

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