Credit Cards in France

November 2020
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Overview:

Understand the latest market trends and future growth opportunities for the Credit Card Transactions industry in France with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.

Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.

If you're in the Credit Card Transactions industry in France, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.

The Credit Card Transactions in France report includes:

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

This report answers:

  • What is the market size of Credit Card Transactions in France?
  • What are the major trends key to understanding Credit Card Transactions in France?
  • How has COVID-19, recession and macroeconomic volatility impacted the market?
  • How long will the market take to recover? What are the opportunities now?
  • How will political context and shifting cultural values shape future growth?
  • Where is future growth expected to be most dynamic?

Charge Cards in France - Category analysis

Charge Cards in France - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Commercial charge cards hit hardest by pandemic and restricted travel linked to business activity
Personal charge cards sees ongoing usage in 2020 but average spend per transaction declines
Groupement des Cartes Bancaires remains dominant operator of charge cards in France but competitors are gaining acceptance amongst rising number of merchants

RECOVERY AND OPPORTUNITIES

Despite positive outlook, commercial charge cards unlikely to recover to pre-pandemic levels in terms of value due to short-term reluctance to travel for business
Recovery for personal charge cards but average spend per transaction set to continue declining over forecast period
Players offering commercial charge cards linked to travel likely to struggle into 2021

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2015-2020 Table 2 Charge Cards Transactions 2015-2020 Table 3 Charge Cards in Circulation: % Growth 2015-2020 Table 4 Charge Cards Transactions: % Growth 2015-2020 Table 5 Commercial Charge Cards: Number of Cards in Circulation 2015-2020 Table 6 Commercial Charge Cards Transactions 2015-2020 Table 7 Commercial Charge Cards in Circulation: % Growth 2015-2020 Table 8 Commercial Charge Cards Transactions: % Growth 2015-2020 Table 9 Personal Charge Cards: Number of Cards in Circulation 2015-2020 Table 10 Personal Charge Cards Transactions 2015-2020 Table 11 Personal Charge Cards in Circulation: % Growth 2015-2020 Table 12 Personal Charge Cards Transactions: % Growth 2015-2020 Table 13 Charge Cards: Number of Cards by Issuer 2015-2019 Table 14 Charge Cards: Number of Cards by Operator 2015-2019 Table 15 Charge Cards Payment Transaction Value by Issuer 2015-2019 Table 16 Charge Cards Payment Transaction Value by Operator 2015-2019 Table 17 Commercial Charge Cards: Number of Cards by Issuer 2015-2019 Table 18 Commercial Charge Cards: Number of Cards by Operator 2015-2019 Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2015-2019 Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2015-2019 Table 21 Personal Charge Cards: Number of Cards by Issuer 2015-2019 Table 22 Personal Charge Cards: Number of Cards by Operator 2015-2019 Table 23 Personal Charge Cards Transaction Value by Issuer 2015-2019 Table 24 Personal Charge Cards Transaction Value by Operator 2015-2019 Table 25 Forecast Charge Cards: Number of Cards in Circulation 2020-2025 Table 26 Forecast Charge Cards Transactions 2020-2025 Table 27 Forecast Charge Cards in Circulation: % Growth 2020-2025 Table 28 Forecast Charge Cards Transactions: % Growth 2020-2025 Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2020-2025 Table 30 Forecast Commercial Charge Cards Transactions 2020-2025 Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2020-2025 Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2020-2025 Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2020-2025 Table 34 Forecast Personal Charge Cards Transactions 2020-2025 Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2020-2025 Table 36 Forecast Personal Charge Cards Transactions: % Growth 2020-2025

Credit Cards in France - Category analysis

Credit Cards in France - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Saving habits of the French during times of crisis negatively impact usage of credit cards, with the pandemic and lockdown resulting in declines across the category
Distrust amongst local consumers towards credit cards restricts further potential to attract new users
Mastercard and Visa continue to gain ground through partnerships with major retailers but Groupement des Cartes Bancaires remains dominate operator

RECOVERY AND OPPORTUNITIES

Slow recovery predicted for credit cards but transaction value unlikely to reach pre-pandemic levels by the end of the forecast period
Greater switch away from revolving credit may emerge over forecast period
Disruptive online-only players could offer further competition over the forecast period

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2015-2020 Table 38 Credit Cards Transactions 2015-2020 Table 39 Credit Cards in Circulation: % Growth 2015-2020 Table 40 Credit Cards Transactions: % Growth 2015-2020 Table 41 Personal Credit Cards: Number of Cards in Circulation 2015-2020 Table 42 Personal Credit Cards Transactions 2015-2020 Table 43 Personal Credit Cards in Circulation: % Growth 2015-2020 Table 44 Personal Credit Cards Transactions: % Growth 2015-2020 Table 45 Credit Cards: Number of Cards by Issuer 2015-2019 Table 46 Credit Cards: Number of Cards by Operator 2015-2019 Table 47 Credit Cards Payment Transaction Value by Issuer 2015-2019 Table 48 Credit Cards Payment Transaction Value by Operator 2015-2019 Table 49 Personal Credit Cards: Number of Cards by Issuer 2015-2019 Table 50 Personal Credit Cards: Number of Cards by Operator 2015-2019 Table 51 Personal Credit Cards Payment Transaction Value by Issuer 2015-2019 Table 52 Personal Credit Cards Payment Transaction Value by Operator 2015-2019 Table 53 Forecast Credit Cards: Number of Cards in Circulation 2020-2025 Table 54 Forecast Credit Cards Transactions 2020-2025 Table 55 Forecast Credit Cards in Circulation: % Growth 2020-2025 Table 56 Forecast Credit Cards Transactions: % Growth 2020-2025 Table 57 Forecast Personal Credit Cards: Number of Cards in Circulation 2020-2025 Table 58 Forecast Personal Credit Cards Transactions 2020-2025 Table 59 Forecast Personal Credit Cards in Circulation: % Growth 2020-2025 Table 60 Forecast Personal Credit Cards Transactions: % Growth 2020-2025

Debit Cards in France - Category analysis

Debit Cards in France - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Initial panic buying and concerns over coming into contact with virus support usage of debit cards over cash but average spend per transaction set to continue to decline over 2020
Contactless smart cards gain notable share following advice from World Health Organization, resulting in limit on payment amount made using this technology being raised in 2020
Share gain for issuers with online subsidiaries, while Mastercard and Visa also gain marginal ground despite Cartes Bancaires remaining as dominant operator in 2019

RECOVERY AND OPPORTUNITIES

Personal debit cards set to continue to decline in circulation but number of transactions set to surpass pre-pandemic levels as consumers make more frequent smaller payments
Strengthening security in terms of both physical and online payments will be area of focus for many players
Online issuers with competitive features likely to attract increasing number of consumers

CATEGORY DATA

Table 61 Debit Cards: Number of Cards in Circulation 2015-2020 Table 62 Debit Cards Transactions 2015-2020 Table 63 Debit Cards in Circulation: % Growth 2015-2020 Table 64 Debit Cards Transactions: % Growth 2015-2020 Table 65 Debit Cards: Number of Cards by Issuer 2015-2019 Table 66 Debit Cards: Number of Cards by Operator 2015-2019 Table 67 Debit Cards Payment Transaction Value by Issuer 2015-2019 Table 68 Debit Cards Payment Transaction Value by Operator 2015-2019 Table 69 Forecast Debit Cards: Number of Cards in Circulation 2020-2025 Table 70 Forecast Debit Cards Transactions 2020-2025 Table 71 Forecast Debit Cards in Circulation: % Growth 2020-2025 Table 72 Forecast Debit Cards Transactions: % Growth 2020-2025

Pre-Paid Cards in France - Category analysis

Pre-Paid Cards in France - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Significant decline noted for pre-paid cards during lockdown but open loop had already been losing popularity prior to pandemic
Dominant closed loop influences overall category performance in 2020
Making notable gains in 2019, Edenred, like many other issuers, is likely to be impacted by pandemic with reduced demand for gift and meal vouchers

RECOVERY AND OPPORTUNITIES

Recovery predicted for pre-paid cards, driven by closed loop but average spend per transaction will remain lower than pre-pandemic
Despite increasing adoption by merchants and tech-savvy consumers, digital payment solutions for transport and meal vouchers will lag due to preference for physical cards
While gift cards is likely to see slow recovery, demand for open loop pre-paid cards is predicted to further decline

CATEGORY DATA

Table 73 Pre-paid Cards: Number of Cards in Circulation 2015-2020 Table 74 Pre-paid Cards Transactions 2015-2020 Table 75 Pre-paid Cards in Circulation: % Growth 2015-2020 Table 76 Pre-paid Cards Transactions: % Growth 2015-2020 Table 77 Closed Loop Pre-paid Cards Transactions 2015-2020 Table 78 Closed Loop Pre-paid Cards Transactions: % Growth 2015-2020 Table 79 Open Loop Pre-paid Cards Transactions 2015-2020 Table 80 Open Loop Pre-paid Cards Transactions: % Growth 2015-2020 Table 81 Pre-paid Cards: Number of Cards by Issuer 2015-2019 Table 82 Pre-paid Cards: Number of Cards by Operator 2015-2019 Table 83 Pre-paid Cards Transaction Value by Issuer 2015-2019 Table 84 Pre-paid Cards Transaction Value by Operator 2015-2019 Table 85 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2015-2019 Table 86 Closed Loop Pre-paid Cards: Number of Cards by Operator 2015-2019 Table 87 Closed Loop Pre-paid Cards Transaction Value by Issuer 2015-2019 Table 88 Closed Loop Pre-paid Cards Transaction Value by Operator 2015-2019 Table 89 Open Loop Pre-paid Cards: Number of Cards by Issuer 2015-2019 Table 90 Open Loop Pre-paid Cards: Number of Cards by Operator 2015-2019 Table 91 Open Loop Pre-paid Cards Transaction Value by Issuer 2015-2019 Table 92 Open Loop Pre-paid Cards Transaction Value by Operator 2015-2019 Table 93 Forecast Pre-paid Cards: Number of Cards in Circulation 2020-2025 Table 94 Forecast Pre-paid Cards Transactions 2020-2025 Table 95 Forecast Pre-paid Cards in Circulation: % Growth 2020-2025 Table 96 Forecast Pre-paid Cards Transactions: % Growth 2020-2025 Table 97 Forecast Closed Loop Pre-paid Cards Transactions 2020-2025 Table 98 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2020-2025 Table 99 Forecast Open Loop Pre-paid Cards Transactions 2020-2025 Table 100 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2020-2025

Store Cards in France - Category analysis

Store Cards in France - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Waning interest in store cards prior to emergence of pandemic due to increasing preference for co-branded credit cards
Lockdown reduces opportunity to use store cards in non-essential retailers, exacerbating decline of the category in 2020
Fairly consolidated competitive landscape with share gains for Crédit Agricole prior to emergence of pandemic

RECOVERY AND OPPORTUNITIES

Ongoing declines for store cards as the French display greater levels of selectiveness in terms of payment options
Greater focus on shifting consumers’ attention towards co-branded credit cards
Potential to further explore possibilities of store cards linked to digital wallets

CATEGORY DATA

Table 101 Store Cards: Number of Cards in Circulation 2015-2020 Table 102 Store Cards Transactions 2015-2020 Table 103 Store Cards in Circulation: % Growth 2015-2020 Table 104 Store Cards Transactions: % Growth 2015-2020 Table 105 Store Cards: Number of Cards by Issuer 2015-2019 Table 106 Store Cards: Payment Transaction Value by Issuer 2015-2019 Table 107 Forecast Store Cards: Number of Cards in Circulation 2020-2025 Table 108 Forecast Store Cards Transactions 2020-2025 Table 109 Forecast Store Cards in Circulation: % Growth 2020-2025 Table 110 Forecast Store Cards Transactions: % Growth 2020-2025

Financial Cards and Payments in France - Industry Overview

EXECUTIVE SUMMARY

COVID-19 impact on consumer payments
COVID-19 country impact
Limit on spending through contactless smart cards raised in response to pandemic while government comes to aid of businesses and employees suffering as a result of lockdown
Limited innovation from banks during pandemic but mobile m-commerce and online payments through financial cards increase
Mastercard and Visa make great efforts to gain share from dominant operator Groupement des Cartes Bancaires through strategic partnerships
What next for consumer payments?

MARKET INDICATORS

Table 111 Number of POS Terminals: Units 2015-2020 Table 112 Number of ATMs: Units 2015-2020 Table 113 Value Lost to Fraud 2015-2020 Table 114 Card Expenditure by Location 2020 Table 115 Financial Cards in Circulation by Type: % Number of Cards 2015-2020 Table 116 Domestic versus Foreign Spend 2020

MARKET DATA

Table 117 Financial Cards by Category: Number of Cards in Circulation 2015-2020 Table 118 Financial Cards by Category: Number of Accounts 2015-2020 Table 119 Financial Cards Transactions by Category: Value 2015-2020 Table 120 Financial Cards by Category: Number of Transactions 2015-2020 Table 121 Consumer Payments by Category: Value 2015-2020 Table 122 Consumer Payments by Category: Number of Transactions 2015-2020 Table 123 M-Commerce by Category: Value 2015-2020 Table 124 M-Commerce by Category: % Value Growth 2015-2020 Table 125 Financial Cards: Number of Cards by Issuer 2015-2019 Table 126 Financial Cards: Number of Cards by Operator 2015-2019 Table 127 Financial Cards: Card Payment Transactions Value by Operator 2015-2019 Table 128 Financial Cards: Card Payment Transactions Value by Issuer 2015-2019 Table 129 Forecast Financial Cards by Category: Number of Cards in Circulation 2020-2025 Table 130 Forecast Financial Cards by Category: Number of Accounts 2020-2025 Table 131 Forecast Financial Cards Transactions by Category: Value 2020-2025 Table 132 Forecast Financial Cards by Category: Number of Transactions 2020-2025 Table 133 Forecast Consumer Payments by Category: Value 2020-2025 Table 134 Forecast Consumer Payments by Category: Number of Transactions 2020-2025 Table 135 Forecast M-Commerce by Category: Value 2020-2025 Table 136 Forecast M-Commerce by Category: % Value Growth 2020-2025

DEFINITIONS

DISCLAIMER

GLOBAL MACROECONOMIC ENVIRONMENT

GLOBAL INDUSTRY ENVIRONMENT

SOURCES

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This report originates from Passport, our Credit Card Transactions research and analysis database.

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