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1

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

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2

Knittel, Christopher R. Incompatibility, product attributes and consumer welfare: Evidence from ATMs. Cambridge, MA: National Bureau of Economic Research, 2004.

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3

Knittel, Christopher R. Strategic incompatibility in ATM markets. Cambridge, Mass: National Bureau of Economic Research, 2006.

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4

Knittel, Christopher R. Compatibility and pricing with indirect network effects: Evidence from atms. Cambridge, MA: National Bureau of Economic Research, 2004.

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5

Knittel, Christopher R. Compatibility and pricing with indirect network effects: Evidence from ATMs (with Chris Knittel). [Chicago, Ill.]: Federal Reserve Bank of Chicago, 2003.

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6

Knittel, Christopher R. Compatability and pricing with indirect network effects: Evidence from ATMs. Cambridge, Mass: National Bureau of Economic Research, 2004.

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7

Gowrisankaran, Gautam. The welfare consequences of ATM surcharges: Evidence from a structural entry model. Cambridge, Mass: National Bureau of Economic Research, 2006.

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8

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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9

Sobirey, Frank. Gestaltung von Arbeitsstrukturen in Kreditinstituten beim Einsatz des automatischen Kassen-Tresors: Ein empirischer Beitrag zur Diskussion um die Auswirkung der Bankautomation auf die Arbeitssituation. Pfaffenweiler: Centaurus-Verlagsgesellschaft, 1990.

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10

Valcin, Yvon. Concerto for a code of ethics. Québec: Center for Research and Analysis on Electronic Money, 1990.

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11

Shelton, Tracy. NYPIRG's third ATM surcharge report & survey: Crying all the way from the ATM : three years after the surcharge ban ends, April 1999. New York: NYPIRG, 1999.

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12

Trautman, William B. Regulating communication technology: The case of automated teller machine networks. Santa Monica, CA: Rand, 1989.

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13

IFIP Workshop on "Performance Modelling and Evaluation of ATM Networks" (2nd 1994 University of Bradford). Performance modelling and evaluation of ATM networks. London: Chapman & Hall, 1995.

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14

Gowrisankaran, Gautam. The welfare consequence of ATM surcharges: Evidence from a structural entry model. [San Francisco]: Federal Reserve Bank of San Francisco, 2005.

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15

Spiegel, Mark. Monetary and financial integration: Evidence from Portugese borrowing patterns. [San Francisco]: Federal Reserve Bank of San Francisco, 2004.

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16

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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17

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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18

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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19

Russenschuck, Viola. Die Auszahlung von Bargeld an Automaten nach deutschem Zivilrecht. Berlin: Duncker & Humblot, 2002.

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20

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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21

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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22

United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit. ATM surcharges: Hearings before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Banking and Financial Services, House of Representatives, One Hundred Fourth Congress, second session, April 24, 25, 1996. Washington: U.S. G.P.O., 1996.

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23

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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24

Kouvatsos, Demetres D. Performance Modelling and Evaluation of ATM Networks. Boston, MA: Springer US, 1995.

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25

Listfield, Robert. Payment systems in Latin America: A tale of two countries : Colombia and El Salvador. Washington, D.C: World Bank, Financial Sector Development Dept., 1995.

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26

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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27

International Teletraffic Congress (13th 1991 Copenhagen, Denmark). Teletraffic and datatraffic in a period of change: ITC-13 : proceedings of the Thirteenth International Teletraffic Congress, Copenhagen, Denmark, June 19-26, 1991. Amsterdam: North-Holland, 1991.

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28

Mitchell, Jeremy. Electronic banking and the consumer: The European dimension. London: Policy Studies Institute, 1988.

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29

Mitchell, Jeremy. Electronic banking and the consumer: The European dimension. London: Policy Studies Institute, 1988.

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30

Gillis, M. Arthur. Branch platform teller automation, 1994. New Orleans, La. (833 Howard Ave., Suite 501, New Orleans 70113): Computer Based Solutions, 1994.

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31

Hayashi, Fumiko. A guide to the ATM and debit card industry. Kansas City, Mo: Payments System Research Dept., Federal Reserve Bank of Kansas City, 2003.

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32

Moreno, Jorge O. Redes de cajeros automáticos bancarios y la estructura en comisiones por conexión: Un análisis de transaccionalidad para México. México, D.F: Fundación de Estudios Financieros-FUNDEF, A. C., 2013.

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33

Ehrlicher, Verena. Der Bankomatenmissbrauch: Seine Erscheinungsformen und seine Bekämpfung. Berlin: Duncker & Humblot, 1989.

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34

Jirtata, Geletesa Negeri. Customers' adoption of ATM channel in Ethiopian commercial banks. [Saarbrücken, Germany]: LAP LAMBERT Academic Publishing, 2012.

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35

Epple, Manfred H. Die Kundenselbstbedienung im Marketing der Kreditinstitute: Veränderungserfordernisse und Veränderungsmöglichkeiten durch den Einsatz neuer Technologien. Frankfurt am Main: P. Lang, 1987.

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36

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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37

Bartel, Henry. Electronic banking in Canada and the United States. Montreal: Gamma Institute Press, 1987.

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38

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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39

California. Legislature. Senate. Committee on Finance, Investment, and International Trade. ATM surcharges: Business practices, consumer protection and state regulatory policy--information hearing report. Sacramento, Calif. (1020 N. St., B-53, Sacramento 95814): Senate Publications, 1997.

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40

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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41

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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42

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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43

Fawzī, Najāḥ Muḥammad. Waʻy al-muwāṭin al-ʻArabī tujāha jarāʼim al-iḥtiyāl: Biṭāqāt al-dafʻ al-iliktrūnī namūdhajan. al-Riyāḍ: Jāmiʻat Nāyif al-ʻArabīyah lil-ʻUlūm al-Amnīyah, 2007.

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44

Great Britain. Parliament. House of Commons. Treasury Committee. Cash machine charges: Government response to the Committee's Fifth Report of Session 2004-05 (HC 191) : First Special Report of Session 2005-06. London: Stationery Office, 2005.

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45

American Bar Association. Section of Antitrust Law., ed. Cutting edge issues in network industries: Including electronic, banking, and computers : May 24, 1996, the Willard Inter-Continental Hotel, Washington, DC. [Chicago]: The Association, 1996.

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46

Snellman, Heli. Automated teller machine network market structure and cash usage. Helsinki]: Bank of Finland, 2006.

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47

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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48

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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49

Bullard. Atm Security. Prentice Hall, 2001.

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50

Strohdeicher, Carsten. Risiken des Automatisierten Zahlungsverkehrs Beim Einsatz von Pos (ECS), Geldautomaten und BTX. Lang AG International Academic Publishers, Peter, 1991.

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