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Country Report

Credit Card Transactions in

Credit Cards in France

20 pages, Nov 2018

US$990

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Executive Summary

New Report Guarantee

If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extract FREE!

PROSPECTS

Low interest rates play in favour of credit card transactions

The European Central Bank (ECB) continued its ultra-loose monetary policy in 2018. Its benchmark interest rate was 0.

The Payment Services Directive (DSP) regulates interchange fees

Legislation related to interchange fees entered into force in 2016, imposing a limit of 0.2% for transactions operated with debit cards and 0.

The consumer switch from revolving credit to traditional personal credit

In order to combat over-indebtedness, the authorities decided to implement a range of laws over the review period. The Lagarde Law and the Hamon Law amended the rules to control the distribution of revolving credit, obliging merchants and issuers to offer an alternative.

COMPETITIVE LANDSCAPE

Co-branded credit cards continue to account for the lion’s share

The competitive landscape in credit cards is dominated by co-branded cards, which are issued by retailers acting as financial institutions, or by specialised financial institutions linked to banks which have signed partnerships with retailers. These types of cooperation arrangements have gained popularity amongst players, who are using these products as loyalty cards, offering rewards in the form of discounts on some products, or more recently cash back bonuses.

The emergence of cash back bonuses to win consumers’ loyalty

Whilst offering cash back bonuses remains a limited practice in France, some retailers are attempting to increase the use of cash back in order to increase consumers’ loyalty and spending. The major retailer of media products Fnac launched a credit card issued by Crédit Agricole Consumer Finance and operated by Mastercard in 2017.

Instalment payments as a strategy to diversify

Strategies to develop instalment payments in France were particularly productive following tighter control on revolving credit. This forced players to raise the use of personal credit linked to credit cards, with some notable successes, such as Banque Casino and Oney Bank.

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Overview

Why buy this report?

Gain competitive intelligence about market leaders. Track key industry trends, opportunities and threats. Inform your marketing, brand, strategy and market development, sales and supply functions.

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Overview

Discover the latest market trends and uncover sources of future market growth for the Credit Card Transactions industry in France with research from Euromonitor's team of in-country analysts.

Find hidden opportunities in the most current research data available, understand competitive threats with our detailed market analysis, and plan your corporate strategy with our expert qualitative analysis and growth projections.

If you're in the Credit Card Transactions industry in France, our research will save you time and money while empowering you to make informed, profitable decisions.

The Credit Card Transactions in France market research report includes:

Analysis of key supply-side and demand trends
Detailed segmentation of international and local products
Historic volumes and values, company and brand market shares
Five year forecasts of market trends and market growth
Robust and transparent market research methodology, conducted in-country

Our market research reports answer questions such as:

What is the market size of Credit Card Transactions in France?
What are the major operators and issuers in France?
What is the current state and expected evolution of consumer payment preference?
What payment instrument offers the highest growth potential?
What strategies and positioning have consumer finance companies utilized to win in the market?

Why buy this report?

Gain competitive intelligence about market leaders
Track key industry trends, opportunities and threats
Inform your marketing, brand, strategy and market development, sales and supply functions

Euromonitor’s industry reports, including Credit Card Transactions in France, originate from our database within our Consumer Finance market share and market size database

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Charge Cards in France - Category analysis

Charge Cards in France - Company Profile

HEADLINES

PROSPECTS

Changes following the regulation on interchange fees

Dynamic economic growth leads to the rise of commercial charge cards

Changing consumer habits could benefit charge cards

COMPETITIVE LANDSCAPE

Traditional retail banks dominate the competitive landscape

The increase of interchange fees by Groupement des Cartes Bancaires

American Express Co aims to attract millennials

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2013-2018
Table 2 Charge Cards Transactions 2013-2018
Table 3 Charge Cards in Circulation: % Growth 2013-2018
Table 4 Charge Cards Transactions: % Growth 2013-2018
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2013-2018
Table 6 Commercial Charge Cards Transactions 2013-2018
Table 7 Commercial Charge Cards in Circulation: % Growth 2013-2018
Table 8 Commercial Charge Cards Transactions: % Growth 2013-2018
Table 9 Personal Charge Cards: Number of Cards in Circulation 2013-2018
Table 10 Personal Charge Cards Transactions 2013-2018
Table 11 Personal Charge Cards in Circulation: % Growth 2013-2018
Table 12 Personal Charge Cards Transactions: % Growth 2013-2018
Table 13 Charge Cards: Number of Cards by Issuer 2013-2017
Table 14 Charge Cards: Number of Cards by Operator 2013-2017
Table 15 Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 16 Charge Cards Payment Transaction Value by Operator 2013-2017
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2013-2017
Table 18 Commercial Charge Cards: Number of Cards by Operator 2013-2017
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2013-2017
Table 21 Personal Charge Cards: Number of Cards by Issuer 2013-2017
Table 22 Personal Charge Cards: Number of Cards by Operator 2013-2017
Table 23 Personal Charge Cards Transaction Value by Issuer 2013-2017
Table 24 Personal Charge Cards Transaction Value by Operator 2013-2017
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2018-2023
Table 26 Forecast Charge Cards Transactions 2018-2023
Table 27 Forecast Charge Cards in Circulation: % Growth 2018-2023
Table 28 Forecast Charge Cards Transactions: % Growth 2018-2023
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2018-2023
Table 30 Forecast Commercial Charge Cards Transactions 2018-2023
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2018-2023
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2018-2023
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2018-2023
Table 34 Forecast Personal Charge Cards Transactions 2018-2023
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2018-2023
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2018-2023

Credit Cards in France - Category analysis

Credit Cards in France - Company Profile

HEADLINES

PROSPECTS

Low interest rates play in favour of credit card transactions

The Payment Services Directive (DSP) regulates interchange fees

The consumer switch from revolving credit to traditional personal credit

COMPETITIVE LANDSCAPE

Co-branded credit cards continue to account for the lion’s share

The emergence of cash back bonuses to win consumers’ loyalty

Instalment payments as a strategy to diversify

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2013-2018
Table 38 Credit Cards Transactions 2013-2018
Table 39 Credit Cards in Circulation: % Growth 2013-2018
Table 40 Credit Cards Transactions: % Growth 2013-2018
Table 41 Personal Credit Cards: Number of Cards in Circulation 2013-2018
Table 42 Personal Credit Cards Transactions 2013-2018
Table 43 Personal Credit Cards in Circulation: % Growth 2013-2018
Table 44 Personal Credit Cards Transactions: % Growth 2013-2018
Table 45 Credit Cards: Number of Cards by Issuer 2013-2017
Table 46 Credit Cards: Number of Cards by Operator 2013-2017
Table 47 Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 48 Credit Cards Payment Transaction Value by Operator 2013-2017
Table 49 Personal Credit Cards: Number of Cards by Issuer 2013-2017
Table 50 Personal Credit Cards: Number of Cards by Operator 2013-2017
Table 51 Personal Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 52 Personal Credit Cards Payment Transaction Value by Operator 2013-2017
Table 53 Forecast Credit Cards: Number of Cards in Circulation 2018-2023
Table 54 Forecast Credit Cards Transactions 2018-2023
Table 55 Forecast Credit Cards in Circulation: % Growth 2018-2023
Table 56 Forecast Credit Cards Transactions: % Growth 2018-2023
Table 57 Forecast Personal Credit Cards: Number of Cards in Circulation 2018-2023
Table 58 Forecast Personal Credit Cards Transactions 2018-2023
Table 59 Forecast Personal Credit Cards in Circulation: % Growth 2018-2023
Table 60 Forecast Personal Credit Cards Transactions: % Growth 2018-2023

Debit Cards in France - Category analysis

Debit Cards in France - Company Profile

HEADLINES

PROSPECTS

Contactless payment gains ground in debit cards

Competition from mobile payments and e-currency

The healthy economy positively impacts debit card payments

COMPETITIVE LANDSCAPE

Competition fostered by EU regulations

The leading player increases its investment

Online banking is changing the competitive landscape for issuers

CATEGORY DATA

Table 61 Debit Cards: Number of Cards in Circulation 2013-2018
Table 62 Debit Cards Transactions 2013-2018
Table 63 Debit Cards in Circulation: % Growth 2013-2018
Table 64 Debit Cards Transactions: % Growth 2013-2018
Table 65 Debit Cards: Number of Cards by Issuer 2013-2017
Table 66 Debit Cards: Number of Cards by Operator 2013-2017
Table 67 Debit Cards Payment Transaction Value by Issuer 2013-2017
Table 68 Debit Cards Payment Transaction Value by Operator 2013-2017
Table 69 Forecast Debit Cards: Number of Cards in Circulation 2018-2023
Table 70 Forecast Debit Cards Transactions 2018-2023
Table 71 Forecast Debit Cards in Circulation: % Growth 2018-2023
Table 72 Forecast Debit Cards Transactions: % Growth 2018-2023

Pre-Paid Cards in France - Category analysis

Pre-Paid Cards in France - Company Profile

HEADLINES

PROSPECTS

EU directive on payment services (DSP2) expected to increase pre-paid cards

Dematerialisation intensifies

Open loop pre-paid cards on a downwards trend

COMPETITIVE LANDSCAPE

Edenred’s acquisition Moneo Resto reinforces its leading position

Fragmentation in open loop pre-paid cards

The end of payroll cards distributed by tobacconists in Paris

CATEGORY DATA

Table 73 Pre-paid Cards: Number of Cards in Circulation 2013-2018
Table 74 Pre-paid Cards Transactions 2013-2018
Table 75 Pre-paid Cards in Circulation: % Growth 2013-2018
Table 76 Pre-paid Cards Transactions: % Growth 2013-2018
Table 77 Closed Loop Pre-paid Cards Transactions 2013-2018
Table 78 Closed Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 79 Open Loop Pre-paid Cards Transactions 2013-2018
Table 80 Open Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 81 Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 82 Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 83 Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 84 Pre-paid Cards Transaction Value by Operator 2013-2017
Table 85 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 86 Closed Loop Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 87 Closed Loop Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 88 Closed Loop Pre-paid Cards Transaction Value by Operator 2013-2017
Table 89 Open Loop Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 90 Open Loop Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 91 Open Loop Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 92 Open Loop Pre-paid Cards Transaction Value by Operator 2013-2017
Table 93 Forecast Pre-paid Cards: Number of Cards in Circulation 2018-2023
Table 94 Forecast Pre-paid Cards Transactions 2018-2023
Table 95 Forecast Pre-paid Cards in Circulation: % Growth 2018-2023
Table 96 Forecast Pre-paid Cards Transactions: % Growth 2018-2023
Table 97 Forecast Closed Loop Pre-paid Cards Transactions 2018-2023
Table 98 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 99 Forecast Open Loop Pre-paid Cards Transactions 2018-2023
Table 100 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2018-2023

Financial Cards and Payments in France - Industry Overview

EXECUTIVE SUMMARY

A favourable economic context in 2017, but a more unstable outlook for 2019

A migration to charge cards due to regulated ceilings on interchange fees

Technological progress addresses the trade-off between convenience and safety

The monopoly position of Groupement des Cartes Bancaires is threatened

The unstable economic context is set to affect consumer expenditure

MARKET INDICATORS

Table 101 Number of POS Terminals: Units 2013-2018
Table 102 Number of ATMs: Units 2013-2018
Table 103 Value Lost to Fraud 2013-2018
Table 104 Card Expenditure by Location 2017
Table 105 Financial Cards in Circulation by Type: % Number of Cards 2013-2018
Table 106 Domestic versus Foreign Spend 2018

MARKET DATA

Table 107 Financial Cards by Category: Number of Cards in Circulation 2013-2018
Table 108 Financial Cards by Category: Number of Accounts 2013-2018
Table 109 Financial Cards Transactions by Category: Value 2013-2018
Table 110 Financial Cards by Category: Number of Transactions 2013-2018
Table 111 Consumer Payments by Category: Value 2013-2018
Table 112 Consumer Payments by Category: Number of Transactions 2013-2018
Table 113 M-Commerce by Category: Value 2013-2018
Table 114 M-Commerce by Category: % Value Growth 2013-2018
Table 115 Financial Cards: Number of Cards by Issuer 2013-2017
Table 116 Financial Cards: Number of Cards by Issuer 2013-2017
Table 117 Financial Cards: Number of Cards by Operator 2013-2017
Table 118 Financial Cards: Card Payment Transactions Value by Operator 2013-2017
Table 119 Financial Cards: Card Payment Transactions Value by Issuer 2013-2017
Table 120 Forecast Financial Cards by Category: Number of Cards in Circulation 2018-2023
Table 121 Forecast Financial Cards by Category: Number of Accounts 2018-2023
Table 122 Forecast Financial Cards Transactions by Category: Value 2018-2023
Table 123 Forecast Financial Cards by Category: Number of Transactions 2018-2023
Table 124 Forecast Consumer Payments by Category: Value 2018-2023
Table 125 Forecast Consumer Payments by Category: Number of Transactions 2018-2023
Table 126 Forecast M-Commerce by Category: Value 2018-2023
Table 127 Forecast M-Commerce by Category: % Value Growth 2018-2023

Megatrends

Country Report

Credit Cards in France

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Low interest rates play in favour of credit card transactions

The Payment Services Directive (DSP) regulates interchange fees

The consumer switch from revolving credit to traditional personal credit

COMPETITIVE LANDSCAPE

Co-branded credit cards continue to account for the lion’s share

The emergence of cash back bonuses to win consumers’ loyalty

Instalment payments as a strategy to diversify

Overview

Why buy this report?

SAMPLES

Delivery Method

Overview

Why buy this report?

Want to find out more about this report?

Table of Contents

Charge Cards in France - Category analysis

Charge Cards in France - Company Profile

HEADLINES

PROSPECTS

Changes following the regulation on interchange fees

Dynamic economic growth leads to the rise of commercial charge cards

Changing consumer habits could benefit charge cards

COMPETITIVE LANDSCAPE

Traditional retail banks dominate the competitive landscape

The increase of interchange fees by Groupement des Cartes Bancaires

American Express Co aims to attract millennials

CATEGORY DATA

Credit Cards in France - Category analysis

Credit Cards in France - Company Profile

HEADLINES

PROSPECTS

Low interest rates play in favour of credit card transactions

The Payment Services Directive (DSP) regulates interchange fees

The consumer switch from revolving credit to traditional personal credit

COMPETITIVE LANDSCAPE

Co-branded credit cards continue to account for the lion’s share

The emergence of cash back bonuses to win consumers’ loyalty

Instalment payments as a strategy to diversify

CATEGORY DATA

Debit Cards in France - Category analysis

Debit Cards in France - Company Profile

HEADLINES

PROSPECTS

Contactless payment gains ground in debit cards

Competition from mobile payments and e-currency

The healthy economy positively impacts debit card payments

COMPETITIVE LANDSCAPE

Competition fostered by EU regulations

The leading player increases its investment

Online banking is changing the competitive landscape for issuers

CATEGORY DATA

Pre-Paid Cards in France - Category analysis

Pre-Paid Cards in France - Company Profile

HEADLINES

PROSPECTS

EU directive on payment services (DSP2) expected to increase pre-paid cards

Dematerialisation intensifies

Open loop pre-paid cards on a downwards trend

COMPETITIVE LANDSCAPE

Edenred’s acquisition Moneo Resto reinforces its leading position

Fragmentation in open loop pre-paid cards

The end of payroll cards distributed by tobacconists in Paris

CATEGORY DATA

Financial Cards and Payments in France - Industry Overview

EXECUTIVE SUMMARY

A favourable economic context in 2017, but a more unstable outlook for 2019

A migration to charge cards due to regulated ceilings on interchange fees

Technological progress addresses the trade-off between convenience and safety

The monopoly position of Groupement des Cartes Bancaires is threatened

The unstable economic context is set to affect consumer expenditure

MARKET INDICATORS

MARKET DATA

SOURCES