strategic contributions of information technology an empirical study atm networks rajiv d banker school urban and public affairs graduate industrial administration carnegie mellon university robert j kauffman business new york abstract this paper presents the automated teller machines atms to improving a bank branch s local deposit market share at expense its competitors by extending previous models in banking incorporate variables we develop tool provide answers insights on key questions involving evaluation impacts it that have not previously been measured context our results suggest network membership decision is crucial later success enhancing however find little evidence additional competitive leverage increase 1 introduction are often regarded as weapons commercial savings banks use capture or protect shares return for providing higher levels convenience their depositors measuring these
