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Competition

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The price of disloyalty: Why competition has failed to lower ATM fees


One of the most expensive ways for Australians to access their own money is by using an automatic teller machine (ATM) that is not provided by their own bank. In most cases, third-party ATMs charge $2 for every transaction, including checking one's account balance. In other words, $2 is the price consumers pay every time...
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Domestic transmission capacity service declaration


The Australian Competition and Consumer Commission today issued a final report which varies the Domestic Transmission Capacity Service (DTCS) Declaration to clarify which network interfaces are covered by that declaration. The DTCS provides connectivity for both fixed and wireless access networks, upstream services such as internet connectivity and interconnection between networks. It is also a...
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Competition in the training market


NCVER commissioned six leading thinkers to offer insights into what is meant by a training market, constraints upon that market and the areas for improvement in the system which would allow consumers greater choice. These papers, along with responses and an introduction by NCVER's Managing Director, Dr Tom Karmel, contribute to the public debate about...
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Choosing to compete: how different are girls and boys?


Using a controlled experiment, this paper examines the role of nurture in explaining the stylized fact that women shy away from competition.
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Tax policy and returns to education


This paper considers how asymmetric tax treatment, where labour market earnings are taxed but household production is untaxed, affects educational choice and labour supply in a perfectly competitive labour market. The authors show that taxes on labour market earnings can generate a large (non-marginal) switch to home production and the ensuing deadweight losses are large...