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Country Report

Credit Card Transactions in

Credit Cards in France

20 pages, Oct 2017

US$990

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Executive Summary

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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

Competition from charge cards

After some difficult years, credit cards theoretically had the potential to recover. Firstly, the regulation on revolving credit led to a decline in store cards.

Weaker decline anticipated over the forecast period thanks to low interest rates

Experts hope that the decline in credit cards will be weaker over the forecast period when compared to 2012-2017, notably thanks to low interest rates in France, in fact the lowest in Western Europe. Interest rates were almost two percentage points lower than the Western European average in early 2017.

COMPETITIVE LANDSCAPE

The offensive of local proximity banks

After the passing of the Lagarde and Hamon Laws, the increasingly restrictive framework on credit card lending at the point of sale provided an opening for banks at the expense of credit agencies. Surprisingly, the most dynamic issuers in this area in 2016 were local proximity banks such as BPCE but mainly Groupe Crédit Agricole, which invested later in credit cards than international banks such as Groupe BNP Paribas or Société Generale.

Credit agencies increasingly fragile

In spite of massive advertising initiatives, such as the one run on television by Cetelem over 2015-2017, specialist credit agencies have continued to lose ground. The partnership between LaSer Group’s Cofinoga and Groupe BNP Paribas’ Cetelem still did not appear to be bearing fruit in early 2017.

Groupement des Carte Bancaires also dominates credit cards

Groupement des Cartes Bancaires dominated the operator competitive landscape in 2016. The international players Visa Inc and MasterCard International followed thanks to partnerships enabling them to place their logos on co-branded credit cards.

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Overview

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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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Charge Cards in France - Category analysis

Charge Cards in France - Company Profile

HEADLINES

PROSPECTS

Personal charge cards appear to be the choice for the future

Technological battle in commercial charge cards

COMPETITIVE LANDSCAPE

Groupement des Carte Bancaires also losing its near-monopoly in charge cards

BNP Paribas and AirPlus drive sales in commercial charge cards

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2012-2017
Table 2 Charge Cards Transactions 2012-2017
Table 3 Charge Cards in Circulation: % Growth 2012-2017
Table 4 Charge Cards Transactions: % Growth 2012-2017
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2012-2017
Table 6 Commercial Charge Cards Transactions 2012-2017
Table 7 Commercial Charge Cards in Circulation: % Growth 2012-2017
Table 8 Commercial Charge Cards Transactions: % Growth 2012-2017
Table 9 Personal Charge Cards: Number of Cards in Circulation 2012-2017
Table 10 Personal Charge Cards Transactions 2012-2017
Table 11 Personal Charge Cards in Circulation: % Growth 2012-2017
Table 12 Personal Charge Cards Transactions: % Growth 2012-2017
Table 13 Charge Cards: Number of Cards by Issuer 2012-2016
Table 14 Charge Cards: Number of Cards by Operator 2012-2016
Table 15 Charge Cards Payment Transaction Value by Issuer 2012-2016
Table 16 Charge Cards Payment Transaction Value by Operator 2012-2016
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2012-2016
Table 18 Commercial Charge Cards: Number of Cards by Operator 2012-2016
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2012-2016
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2012-2016
Table 21 Personal Charge Cards: Number of Cards by Issuer 2012-2016
Table 22 Personal Charge Cards: Number of Cards by Operator 2012-2016
Table 23 Personal Charge Cards Transaction Value by Issuer 2012-2016
Table 24 Personal Charge Cards Transaction Value by Operator 2012-2016
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2017-2022
Table 26 Forecast Charge Cards Transactions 2017-2022
Table 27 Forecast Charge Cards in Circulation: % Growth 2017-2022
Table 28 Forecast Charge Cards Transactions: % Growth 2017-2022
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2017-2022
Table 30 Forecast Commercial Charge Cards Transactions 2017-2022
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2017-2022
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2017-2022
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2017-2022
Table 34 Forecast Personal Charge Cards Transactions 2017-2022
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2017-2022
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2017-2022

Credit Cards in France - Category analysis

Credit Cards in France - Company Profile

HEADLINES

PROSPECTS

Competition from charge cards

Weaker decline anticipated over the forecast period thanks to low interest rates

COMPETITIVE LANDSCAPE

The offensive of local proximity banks

Credit agencies increasingly fragile

Groupement des Carte Bancaires also dominates credit cards

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2012-2017
Table 38 Credit Cards Transactions 2012-2017
Table 39 Credit Cards in Circulation: % Growth 2012-2017
Table 40 Credit Cards Transactions: % Growth 2012-2017
Table 41 Personal Credit Cards: Number of Cards in Circulation 2012-2017
Table 42 Personal Credit Cards Transactions 2012-2017
Table 43 Personal Credit Cards in Circulation: % Growth 2012-2017
Table 44 Personal Credit Cards Transactions: % Growth 2012-2017
Table 45 Credit Cards: Number of Cards by Issuer 2012-2016
Table 46 Credit Cards: Number of Cards by Operator 2012-2016
Table 47 Credit Cards Payment Transaction Value by Issuer 2012-2016
Table 48 Credit Cards Payment Transaction Value by Operator 2012-2016
Table 49 Personal Credit Cards: Number of Cards by Issuer 2012-2016
Table 50 Personal Credit Cards: Number of Cards by Operator 2012-2016
Table 51 Personal Credit Cards Payment Transaction Value by Issuer 2012-2016
Table 52 Personal Credit Cards Payment Transaction Value by Operator 2012-2016
Table 53 Forecast Credit Cards: Number of Cards in Circulation 2017-2022
Table 54 Forecast Credit Cards Transactions 2017-2022
Table 55 Forecast Credit Cards in Circulation: % Growth 2017-2022
Table 56 Forecast Credit Cards Transactions: % Growth 2017-2022
Table 57 Forecast Personal Credit Cards: Number of Cards in Circulation 2017-2022
Table 58 Forecast Personal Credit Cards Transactions 2017-2022
Table 59 Forecast Personal Credit Cards in Circulation: % Growth 2017-2022
Table 60 Forecast Personal Credit Cards Transactions: % Growth 2017-2022

Debit Cards in France - Category analysis

Debit Cards in France - Company Profile

HEADLINES

PROSPECTS

Category receives a little help from contactless smart cards

Boost provided by the improved security of online payments

Debit cards could begin to be progressively upstaged by charge cards

COMPETITIVE LANDSCAPE

An opportunity for foreign operators

Issuers compete through offering new services and technologies

CATEGORY DATA

Table 61 Debit Cards: Number of Cards in Circulation 2012-2017
Table 62 Debit Cards Transactions 2012-2017
Table 63 Debit Cards in Circulation: % Growth 2012-2017
Table 64 Debit Cards Transactions: % Growth 2012-2017
Table 65 Debit Cards: Number of Cards by Issuer 2012-2016
Table 66 Debit Cards: Number of Cards by Operator 2012-2016
Table 67 Debit Cards Payment Transaction Value by Issuer 2012-2016
Table 68 Debit Cards Payment Transaction Value by Operator 2012-2016
Table 69 Forecast Debit Cards: Number of Cards in Circulation 2017-2022
Table 70 Forecast Debit Cards Transactions 2017-2022
Table 71 Forecast Debit Cards in Circulation: % Growth 2017-2022
Table 72 Forecast Debit Cards Transactions: % Growth 2017-2022

Pre-Paid Cards in France - Category analysis

Pre-Paid Cards in France - Company Profile

HEADLINES

PROSPECTS

No future for open loop pre-paid cards for banking

Ongoing digitalisation in meal voucher open loop pre-paid cards

COMPETITIVE LANDSCAPE

Battle between gift card issuers

Historic operators compete against newcomers in meal vouchers

CATEGORY DATA

Table 73 Pre-paid Cards: Number of Cards in Circulation 2012-2017
Table 74 Pre-paid Cards Transactions 2012-2017
Table 75 Pre-paid Cards in Circulation: % Growth 2012-2017
Table 76 Pre-paid Cards Transactions: % Growth 2012-2017
Table 77 Closed Loop Pre-paid Cards Transactions 2012-2017
Table 78 Closed Loop Pre-paid Cards Transactions: % Growth 2012-2017
Table 79 Open Loop Pre-paid Cards Transactions 2012-2017
Table 80 Open Loop Pre-paid Cards Transactions: % Growth 2012-2017
Table 81 Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 82 Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 83 Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 84 Pre-paid Cards Transaction Value by Operator 2012-2016
Table 85 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 86 Closed Loop Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 87 Closed Loop Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 88 Closed Loop Pre-paid Cards Transaction Value by Operator 2012-2016
Table 89 Open Loop Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 90 Open Loop Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 91 Open Loop Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 92 Open Loop Pre-paid Cards Transaction Value by Operator 2012-2016
Table 93 Forecast Pre-paid Cards: Number of Cards in Circulation 2017-2022
Table 94 Forecast Pre-paid Cards Transactions 2017-2022
Table 95 Forecast Pre-paid Cards in Circulation: % Growth 2017-2022
Table 96 Forecast Pre-paid Cards Transactions: % Growth 2017-2022
Table 97 Forecast Closed Loop Pre-paid Cards Transactions 2017-2022
Table 98 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 99 Forecast Open Loop Pre-paid Cards Transactions 2017-2022
Table 100 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2017-2022

Store Cards in France - Category analysis

Store Cards in France - Company Profile

HEADLINES

PROSPECTS

Private store cards set to decline drastically

Store card issuers to focus on “new” types of credit cards?

COMPETITIVE LANDSCAPE

Groupe Crédit Agricole leads store cards

Fnac gradually withdraws its basic loyalty and store cards in favour of co-branded credit cards

CATEGORY DATA

Table 101 Store Cards: Number of Cards in Circulation 2012-2017
Table 102 Store Cards Transactions 2012-2017
Table 103 Store Cards in Circulation: % Growth 2012-2017
Table 104 Store Cards Transactions: % Growth 2012-2017
Table 105 Store Cards: Number of Cards by Issuer 2012-2016
Table 106 Store Cards: Payment Transaction Value by Issuer 2012-2016
Table 107 Forecast Store Cards: Number of Cards in Circulation 2017-2022
Table 108 Forecast Store Cards Transactions 2017-2022
Table 109 Forecast Store Cards in Circulation: % Growth 2017-2022
Table 110 Forecast Store Cards Transactions: % Growth 2017-2022

Financial Cards and Payments in France - Industry Overview

EXECUTIVE SUMMARY

2016 and 2017 prove eventful years for financial cards in France

The unbalanced effect of new technology

Cash, cheques and general purpose open loop pre-paid cards continue to fall out of favour

Foreign operators set to gain ground

The emergence of “Swiss knife cards” and digitalised payments for meals and gifts

MARKET INDICATORS

Table 111 Number of POS Terminals: Units 2012-2017
Table 112 Number of ATMs: Units 2012-2017
Table 113 Value Lost to Fraud 2012-2017
Table 114 Card Expenditure by Location 2017
Table 115 Financial Cards in Circulation by Type: % Number of Cards 2012-2017
Table 116 Domestic versus Foreign Spend 2017

MARKET DATA

Table 117 Financial Cards by Category: Number of Cards in Circulation 2012-2017
Table 118 Financial Cards by Category: Number of Accounts 2012-2017
Table 119 Financial Cards Transactions by Category: Value 2012-2017
Table 120 Financial Cards by Category: Number of Transactions 2012-2017
Table 121 Consumer Payments by Category: Value 2012-2017
Table 122 Consumer Payments by Category: Number of Transactions 2012-2017
Table 123 M-Commerce by Category: Value 2013-2017
Table 124 M-Commerce by Category: % Value Growth 2013-2017
Table 125 Financial Cards: Number of Cards by Issuer 2012-2016
Table 126 Financial Cards: Number of Cards by Operator 2012-2016
Table 127 Financial Cards: Card Payment Transactions Value by Operator 2012-2016
Table 128 Financial Cards: Card Payment Transactions Value by Issuer 2012-2016
Table 129 Forecast Financial Cards by Category: Number of Cards in Circulation 2017-2022
Table 130 Forecast Financial Cards by Category: Number of Accounts 2017-2022
Table 131 Forecast Financial Cards Transactions by Category: Value 2017-2022
Table 132 Forecast Financial Cards by Category: Number of Transactions 2017-2022
Table 133 Forecast Consumer Payments by Category: Value 2017-2022
Table 134 Forecast Consumer Payments by Category: Number of Transactions 2017-2022
Table 135 Forecast M-Commerce by Category: Value 2017-2022
Table 136 Forecast M-Commerce by Category: % Value Growth 2017-2022

Megatrends

Country Report

Credit Cards in France

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Competition from charge cards

Weaker decline anticipated over the forecast period thanks to low interest rates

COMPETITIVE LANDSCAPE

The offensive of local proximity banks

Credit agencies increasingly fragile

Groupement des Carte Bancaires also dominates credit cards

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

Personal charge cards appear to be the choice for the future

Technological battle in commercial charge cards

COMPETITIVE LANDSCAPE

Groupement des Carte Bancaires also losing its near-monopoly in charge cards

BNP Paribas and AirPlus drive sales in commercial charge cards

CATEGORY DATA

Credit Cards in France - Category analysis

Credit Cards in France - Company Profile

HEADLINES

PROSPECTS

Competition from charge cards

Weaker decline anticipated over the forecast period thanks to low interest rates

COMPETITIVE LANDSCAPE

The offensive of local proximity banks

Credit agencies increasingly fragile

Groupement des Carte Bancaires also dominates credit cards

CATEGORY DATA

Debit Cards in France - Category analysis

Debit Cards in France - Company Profile

HEADLINES

PROSPECTS

Category receives a little help from contactless smart cards

Boost provided by the improved security of online payments

Debit cards could begin to be progressively upstaged by charge cards

COMPETITIVE LANDSCAPE

An opportunity for foreign operators

Issuers compete through offering new services and technologies

CATEGORY DATA

Pre-Paid Cards in France - Category analysis

Pre-Paid Cards in France - Company Profile

HEADLINES

PROSPECTS

No future for open loop pre-paid cards for banking

Ongoing digitalisation in meal voucher open loop pre-paid cards

COMPETITIVE LANDSCAPE

Battle between gift card issuers

Historic operators compete against newcomers in meal vouchers

CATEGORY DATA

Store Cards in France - Category analysis

Store Cards in France - Company Profile

HEADLINES

PROSPECTS

Private store cards set to decline drastically

Store card issuers to focus on “new” types of credit cards?

COMPETITIVE LANDSCAPE

Groupe Crédit Agricole leads store cards

Fnac gradually withdraws its basic loyalty and store cards in favour of co-branded credit cards

CATEGORY DATA

Financial Cards and Payments in France - Industry Overview

EXECUTIVE SUMMARY

2016 and 2017 prove eventful years for financial cards in France

The unbalanced effect of new technology

Cash, cheques and general purpose open loop pre-paid cards continue to fall out of favour

Foreign operators set to gain ground

The emergence of “Swiss knife cards” and digitalised payments for meals and gifts

MARKET INDICATORS

MARKET DATA

DEFINITIONS

SOURCES