i have said this before, but it seem to have escaped some so i...

i have said this before, but it seem to have escaped some so i will try again.

the D/C model will benefit CUS only where it can charge over and above the price of the existing value chain of an atm transaction.

so if an average trxn costs the typical customer $2 now and cus only receives 50 cents from that, then receiving the entire 2 dollars upfront isnt going to change the NPAT outcome for CUS. it simply means CUS gets the money first before passing it on to the others in the value chain. it will still be left with the 50 cents after passing on costs to the others int he value chain.

where CUS will make its money is that D/C will make mroe machines economically viable and it will allow CUS to excercise pricing discretion over and above the current transaction fees in locations where they have an advantage. anything over the current "going rate" will hit the bottom line.

this is where they will make their money.