Impact of ATM Location on its Profi Tability in Malopolskie and Podkarpackie Provinces

• Autorzy: Henryk Gurgul , Marcin Suder
• Języki publikacji: EN

Abstrakty

EN

The fi rst decade of the 21st century saw a dynamic development in ATM networks. This was refl ected in the growth of the number of ATMs and number of withdrawals. However, in the beginning of the second decade, a slowdown in the dynamic development of this part of the banking system has been observed in Poland. The signifi cant reduction of interchange (which is the main source of revenue for ATM network deployers) and growing availability of cashless payments tempered a further intensive development of these networks. Over the next 3 years, this regression was refl ected in the declining number of withdrawals from ATMs and the insignifi cant growth of the number of ATMs. Therefore, ATM owners are forced to search for new solutions that could guarantee more profi ts. One way is the suitable choice of locations for new ATMs and removal of ATMs from non-profi table locations. In this paper, the authors have attempted to indicate the locations with the largest number of withdrawals on the basis of the number of withdrawals from the ATMs of the one of the largest ATM network deployers. The ATMs with the largest number of withdrawals are sources of the largest profi ts due to interchange. The authors have also indicated those locations where ATMs can be a source of losses.(original abstract)

Słowa kluczowe

EN

Cash machine; Cashless flow

PL

Bankomaty; Obrót bezgotówkowy

• Czasopismo: Managerial Economics
• Rocznik: 2018
• Tom: 19
• Numer: nr 1
• Strony: 49--73

Twórcy

autor

Henryk Gurgul

• AGH University of Science and Technology

autor

Marcin Suder

• AGH University of Science and Technology

Bibliografia

• Bjørndal, E., Hamers, H. and Koster, M. (2004) 'Cost allocation in a bank ATM network,' Matematical Methods in Operation Research, vol. 59, pp. 405-418.
• Górka, J. (2011) 'ATM network development in Poland and ATM interchange and surcharge fees,' Gospodarka Narodowa, vol. 7-8, pp. 89-112.
• Górka, J. (2013) Efektywność instrumentów płatniczych w Polsce (Effi ciency of payment instruments in Poland), Warszawa: Wydawnictwo Naukowe Wydziału Zarządzania UW.
• Górka, J. and Chodnicka, P. (2012) 'Prognoza rozwoju sieci bankomatów w Polsce' [Forecasts of development of ATM networks in Poland], in Sokołowski, J., Sosnowski M., Żabiński, A. (red.) Polityka ekonomiczna, Prace Naukowe Uniwersytetu Ekonomicznego we Wrocławiu nr 246, Wrocław: Wydawnictwo Uniwersytetu Ekonomicznego we Wrocławiu, pp. 96-105.
• Gurgul, H. and Suder, M. (2016) 'Calendar and seasonal effects on the size of withdrawals from ATMs managed by Euronet', Statistics in Transition, vol. 17, No. 4, pp. 691-722.
• Krawczyk, W. (ed.) (2014) 'Analiza opłat na rynku usług bankomatowych w Polsce. Raport analityczno-badawczy' [Analysis of fees on ATMs services in Poland. Research Reports], [Online], Available: https://www.nbp.pl/systemplatniczy/bankomaty/bankomaty.pdf [31 Jan 2018].
• Molga, T. (2015) 'Chciałem tylko wypłacić 20 zł, a wciskają mi lodówkę. Dlaczego musimy oglądać reklamy w bankomatach?' [I want to withdraw 20 PLN. Why am I forced to see advertisements on ATMs?], [Online], Available: http://natemat.pl/158659,chcialem-tylko-wyplacic-20-zl-awciskaja-mi-lodowke-dlaczego-musimy-ogladac-reklamy-w-bankomatach [31 Jan 2018].
• Sadowski, J. (2017) 'Koniec ery bankomatów. Urządzenia znikają z ulic' [The end of ATMs. Devices are removed from the streets], [Online], Available: https://newsrm.tv/koniec-ery-bankomatow-urzadzenia-znikaja-z-ulic/ [31 Jan 2018].
• Zajączkowski, M.S. (2013) Wpływ sieci bankomatowych na funkcjonowanie elektronicznej bankowości detalicznej, rozprawa doktorska [The impact of ATM networks on functioning of retail banking. Ph.D. Thesis].

Identyfikatory

DOI

10.7494/manage.2018.19.1.49