This paper develops a spacial model of ATM networks to explore the implications for banks and non-banks of interchange fees, foreign fees and surcharges applied to transactions by customers at other than an own-bank ATM. Surcharging raises the price (foreign fee plus surcharge) paid by customers...

This paper develops a spacial model of ATM networks to explore the implications for banks and non-banks of interchange fees, foreign fees and surcharges applied to transactions by customers at other than an own-bank ATM. Surcharging raises the price (foreign fee plus surcharge) paid by customers...

Why business models matter -- Three business model lenses -- How the Bomgar box delivers customer value -- A ham radio company builds a superior business model -- TOMS shoes: selling a vision -- Netflix cancels the value exchange agreement -- Rent the runway: changing customer behaviors and...