<?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>0188-3380</journal-id>
<journal-title><![CDATA[Economía: teoría y práctica]]></journal-title>
<abbrev-journal-title><![CDATA[Econ: teor. práct]]></abbrev-journal-title>
<issn>0188-3380</issn>
<publisher>
<publisher-name><![CDATA[Universidad Autónoma Metropolitana, a través de la Unidad Iztapalapa, la Unidad Azcapotzalco y la Unidad Xochimilco, División de Ciencias Sociales]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0188-33802017000200167</article-id>
<article-id pub-id-type="doi">10.24275/etypuam/ne/472017/gonzalez</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Regulación de comisiones en cajeros automáticos. Análisis de la reforma: caso México. El caso de bancos con redes de distinto tamaño]]></article-title>
<article-title xml:lang="en"><![CDATA[Regulation of Commissions in ATMs Analysis of the Reform in Mexico: The Case of Banks with Different Size Networks]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[González Ramírez]]></surname>
<given-names><![CDATA[Pedro Isidoro]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Neri Guzmán]]></surname>
<given-names><![CDATA[Juan Carlos]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Autónoma de San Luis Potosí Facultad de Economía ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>México</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Politécnica de San Luis Potosí  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>México</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2017</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2017</year>
</pub-date>
<numero>47</numero>
<fpage>167</fpage>
<lpage>190</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S0188-33802017000200167&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S0188-33802017000200167&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S0188-33802017000200167&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Partiendo de un escenario asimétrico en el tamaño de red, se analizan los efectos de la regulación establecida por el Banco de México en 2010 en comisiones por transacciones interbancarias en cajeros automáticos. Se estudia el efecto de la regulación sobre aquellos bancos con redes de cajeros pequeños y por lo tanto con mayores proporciones de retiros de clientes propios en cajeros ajenos. Se observa que las comisiones por transacciones interbancarias se mantienen relativamente sin cambios. Los resultados revelan que la regulación aumenta los precios por apertura de cuenta, al prohibir el cobro por transacciones a usuarios propios en cajeros propios. Finalmente, el aumento de precios por apertura de cuenta es menor para el banco con menos cajeros instalados, por lo que la regulación favorece a los bancos pequeños.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract In the context of an asymmetric scenario in network size, we analyze the effects of the regulations established by the Mexican Central Bank in 2010 on fees for interbank transactions at ATMs. We studied the regulations&#8217; impact on banks with small ATM networks and commensurately higher percentages of withdrawals by their customers in non-proprietary ATMs. We noted that fees for interbank transactions have remained relatively unchanged. The results show that the regulations have driven up account opening costs by forbidding banks to charge their account holders for transactions on proprietary ATMs. Finally, the increase in cost of opening an account is less for banks with fewer installed ATMs, which means that the regulations favor smaller banks.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Cajeros automáticos]]></kwd>
<kwd lng="es"><![CDATA[cuotas de intercambio]]></kwd>
<kwd lng="es"><![CDATA[comisión por uso de cajero ajeno]]></kwd>
<kwd lng="es"><![CDATA[cuota de sobrecargo]]></kwd>
<kwd lng="es"><![CDATA[cobro directo]]></kwd>
<kwd lng="en"><![CDATA[ATMs]]></kwd>
<kwd lng="en"><![CDATA[exchange fees]]></kwd>
<kwd lng="en"><![CDATA[commission for use of cashier's account]]></kwd>
<kwd lng="en"><![CDATA[charge of surcharge]]></kwd>
<kwd lng="en"><![CDATA[direct charge]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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