<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>0186-7202</journal-id>
<journal-title><![CDATA[Estudios Económicos (México, D.F.)]]></journal-title>
<abbrev-journal-title><![CDATA[Estud. Econ. (México, D.F.)]]></abbrev-journal-title>
<issn>0186-7202</issn>
<publisher>
<publisher-name><![CDATA[El Colegio de México A.C.]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0186-72022015000100141</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Análisis teórico de las modificaciones a la regulación de comisiones interbancarias en cajeros automáticos de México]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[González Ramírez]]></surname>
<given-names><![CDATA[Pedro I.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Plata Pérez]]></surname>
<given-names><![CDATA[Leobardo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Autónoma de San Luis Potosí  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>México</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Autónoma de San Luis Potosí  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>México</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2015</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2015</year>
</pub-date>
<volume>30</volume>
<numero>1</numero>
<fpage>141</fpage>
<lpage>178</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S0186-72022015000100141&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S0186-72022015000100141&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S0186-72022015000100141&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Se analiza la regulación establecida por el Banco de México en el año 2010 en comisiones por transacciones interbancarias en cajeros automáticos. Bajo un modelo espacial duopólico se determina endógenamente número de cajeros, precio por apertura de cuenta y comisiones en cajeros. Se encuentra que las comisiones por transacciones interbancarias permanecen sin cambios. La regulación incentiva la instalación de cajeros, lo que disminuye las ganancias de los bancos. La prohibición por cobro de comisiones en cajeros propios genera que los bancos incrementen sus precios por apertura de cuenta. Con la propuesta de una regulación alterna mostramos que la prohibición en el cobro de comisiones a cuentahabientes fue el aspecto crucial que modificó el equilibrio.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract We analize the regulation established by the Banco de México in 2010 to commissions by interbank transactions at ATMs. Under a space model with a duopoly, we endogenize ATM deployment, account fees and ATM fees. We show that the commissions by interbank transactions remain unchanged. The regulation increase ATM deployment and hence banks&#8217; profits decrease. We found that the regulation increases the price by opening an account as result of banning fees in transactions to own users on own ATMs. Under a scenario of alternative regulation we show that the element of the regulation that switch the equilibrium was banning fees in transactions to own users.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[cajeros automáticos]]></kwd>
<kwd lng="es"><![CDATA[comisiones en cajeros]]></kwd>
<kwd lng="es"><![CDATA[regulación]]></kwd>
<kwd lng="en"><![CDATA[ATM machines]]></kwd>
<kwd lng="en"><![CDATA[ATM fees]]></kwd>
<kwd lng="en"><![CDATA[Regulations]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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</article>
