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1

The automated teller machine (ATM) as a national bank "branch" under the Federal law. Buffalo, N.Y: W.S. Hein, 1987.

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2

Croft, Elizabeth W. Fees and surcharging in automatic teller machine networks: Non-bank ATM providers versus large banks. Cambridge, Mass: National Bureau of Economic Research, 2003.

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3

United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. The expanding ATM market and increased surcharge fees: Hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Fifth Congress, first session on the results of a General Accounting Office report regarding the number of automated teller machines and the fees faced by consumers, June 11, 1997. Washington: U.S. G.P.O., 1997.

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4

Scott, Michael S. Robbery at automated teller machines. Washington, D.C: U.S. Dept. of Justice, Office of Community Oriented Policing Services, 2001.

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5

United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. The Fair ATM Fees for Consumers Act, S. 1800: Hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Fourth Congress, second session, on S. 1800, to amend the Electronic Fund Transfer Act to limit fees charged by financial institutions for the use of automatic teller machines, and for other purposes, July 11, 1996. Washington: U.S. G.P.O., 1997.

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6

Office, General Accounting. Automated teller machines: Issues related to real-time fee disclosure : report to the Congressional Committees. Washington, D.C. (P.O. Box 37050, Washington, D.C. 20013): The Office, 2000.

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7

Saloner, Garth. Adoption of technologies with network effects : an empirical examination of the adoption of automated teller machines. Cambridge, MA: National Bureau of Economic Research, 1992.

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8

Saloner, Garth. Adoption of technologies with network effects: An empirical examination of the adoption of automated teller machines. Cambridge, Mass: Dept. of Economics, Massachusetts Institute of Technology, 1991.

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9

Office, General Accounting. Automated teller machines: Survey results indicate banks' surcharge fees have increased : report to the Chairman, Committee on Banking, Housing, and Urban Affairs, U.S. Senate. Washington, D.C. (P.O. Box 37050, Washington, D.C. 20013): The Office, 1998.

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10

Vorciuk-Sirorova, Varvara. Factors influencing the demand for automated teller machines in Eastern Europe and strategic role oftechnologincal innovation in the Lithuanian banking industry. Oxford: Oxford Brookes University, 2004.

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11

Westin, Susan S. Automated teller machines: Survey results indicate banks' surcharge fees have increased : statement of Susan S. Westin, Associate Director, Financial Institutions and Markets Issues, General Government Division, before the Committee on Banking, Housing, and Urban Affairs, U.S. Senate. Washington, D.C. (P.O. Box 37050, Washington, D.C. 20013): The Office, 1998.

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12

The practice of automated teller machine surcharging: Hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Fifth Congress, second session, on amending the Electronic Fund Transfer Act to limit fees charged by financial institutions for the use of automatic teller machines, and for other purposes, July 15, 1998. Washington: U.S. G.P.O., 1999.

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13

Maureen, Murphy M., and Library of Congress. Congressional Research Service, eds. Automated teller machines (ATM) security: State and federal legislation. Washington, D.C: Congressional Research Service, Library of Congress, 1987.

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14

Gourlay, Adrian Robert. The diffusion of process innovation in the UK financial sector: An empirical analysis of automated teller machine (ATM) diffusion. 1999.

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15

IESNA Financial Facilities Committee., ed. Lighting for automated teller machines. New York: Illuminating Engineering Society of North America, 1997.

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16

Guilty as surcharged: Automated teller machines are asking too much. N.Y., New York: The Council of the City of New York, 2000.

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17

Bátiz-Lazo, Bernardo. Cash and Dash. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780198782810.001.0001.

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Cash and Dash looks at the origins and development of the automated teller machine (ATM) as means to provide the unifying thread to explain changes in retail banking brought about by and around the introduction of computer technology. Main themes include an explanation of why technological change is slow in retail financial markets, and how different groups of people and organizations interact to shape a particular technology. Documentary evidence helps to clarify the myth of the single inventor and details the monumental task to deliver digital banking for retail consumers. Of particular importance for banks around the world throughout this task, was the need to balance new and unintended uses of a device by consumers as opposed to solving impending technical issues and gaining consumers’ trust, acceptance, and high usage. Research illuminates the progress of an industry-specific innovation becoming a novelty and how new payment devices embed in everyday life. The story in Cash and Dash also illustrates that serious ethical and political issues can emerge while adopting, making operational, and maintaining a particular technology within and around retail financial institutions. This approach contrasts with others that perceive technological change as external, neutral, and devoid of context and social setting. The book aims to keep the focus of the narrative off obsolescence and on maintenance and reinvention, while also allowing space to provide conceptual underpinnings and celebrating industry milestones. In short, Cash and Dash recounts a story of decisions about capital investments, business strategies, and technological evolution, and how these were followed by decisions dealing with legacy systems, personnel, standards, locations, and whether machines could become a source of competitive advantage in retail banking.
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18

Francis, Duffy, and Business Communications Co, eds. Automatic teller machines, POS terminals, debit cards, and home banking. Norwalk, Conn., U.S.A: Business Communications Co., 1988.

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19

United States. General Accounting Office. and United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs., eds. Automated teller machines: Banks reported that use of surcharge fees has increased : report to the Chairman, Committee on Banking, Housing, and Urban Affairs, U.S. Senate. Washington, D.C: GAO, 1997.

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20

United States. General Accounting Office. and United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs., eds. Automated teller machines: Banks reported that use of surcharge fees has increased : statement of Thomas J. McCool, Associate Director, Financial Institutions and Markets Issues, General Government Division, before the Senate Banking Committee. Washington, D.C: The Office, 1997.

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21

Library of Congress. Congressional Research Service, ed. Authority of the federal bank supervisory agencies under the Bank Protection Act, 12 U.S.C. 1881-1884, to promulgate rules requiring banks to install security measures to protect customers using automatic teller machines (ATM's). Washington, D.C: Congressional Research Service, Library of Congress, 1987.

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