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...

e c o n o m i c r e p o r t o f t h e p r e s i d e n t • f e b r u a r y 2 0 1 0 transmitted to the congress february 2010 together with the annual report of the council of economic advisers economic report of the president coverPROOF.indd 1 12/28/09 10:48 AM For sale by...