L'erreur de Pandore : La concurrence et l'évolution du réseau Interac au Canada (in French only)


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In June 1996, the Competition Tribunal endorsed a consent order submitted jointly by the Director of Investigations and Research, the Interac Association and its members. The order was designed to correct a situation in which Interac and its members were able to abuse a dominant position, in violation of the Competition Act. In practice, the order proved harmful to the interests of Canadian consumers: the price of services increased, substitution of suppliers provided no advantage and services did not diversify. This study first established the general framework of the case, by describing the services offered by Interac and how they had evolved, and the various stakeholders involved. It also focused on the complexity of mechanisms for pricing such services, making comparisons between their development and what had occurred in the United States and the European Union. This was followed by a brief review of Canadian competition legislation, drawing a parallel with the main legal instruments in the United States and the European Union. Also noted was the Byzantine complexity of the Canadian system. The Tribunal’s decision in the Interac case was analysed in three stages. First, the context was described, with emphasis on the measures taken by the founding members of Interac to block the entry of new participants. Second, the rationale and purpose of the decision were analysed. Third, a criticism was offered of the decision and the process that led to it.

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French only

OCA Funded Research
This research received funding support through the Office of Consumer Affairs' Contributions Program.

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Source: Consumer Policy Research Database

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