Central Banking

Finnish paper proposes further ATM regulation


ATM fees in Finland do not maximise social welfare, according to a discussion paper published by the Bank of Finland on November 8.

In 2008, the incumbent ATM provider was owned by the major banks in the country, and held a monopoly. When an independent deployer joined the market, the Finnish Competition Authority imposed a cap on the incumbent's ‘foreign fees' – the amount the owner could charge its customers for using the independent's ATMs – to ensure new entrants could not be squeezed out of

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