net institute www netinst org working paper 04 16 october 2004 the welfare consequences of atm surcharges evidence from a structural entry model gautam gowrisankaran washington university in st louis and nber john krainer federal reserve bank san francisco networks electronic commerce telecommunications http is non profit institution devoted to research on network industries internet virtual comprised computers that share same technical standard or operating system issues general 1 m olin school business campus box 1133 mo 63130 wustl edu economic department 101 market ca 94109 sf frb this version november abstract we estimate for automatic teller machines atms order evaluate implications regulating consumer producer surplus using data firm locations identify parameters
