Abstract

This paper describes the economic model for bank’s automated teller machine (ATM) network outsourcing services and the Economic model for the shared ATM network services. The structure of the costs has been presented; as well as the comparative analysis of these two models. This paper highlights the need for rationalization of the invested funds in ATM infrastructure development, which is especially significant for less-developed regions. Small number of users makes individual banks uninterested for the ATM network development, but shared networks are justifying the invested funds.

Key words: ATM, shared network, economic model, costs, savings.