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Country Report

Debit Transactions in

Debit Cards in France

Nov 2019

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

Mixed results for debit cards in 2019 as banks continue to push charge cards

The number of debit cards in circulation in France continued to decline in 2019 as brick-and-mortar banks struggled to recruit new customers amidst an increasingly aggressive challenge from online competitors. The decline also reflected the fact that since 2016, when the EU Payment Services Directive capped interchange fees for debit cards and charge cards at 0.

Use of debit cards for contactless payments set to continue rising

The development of debit cards over the forecast period looks set to mirror the category’s performance in 2019, with growth in the number and current value of transactions expected to remain steady as card circulation numbers and the average spend per transaction continue to fall. The increasing use of debit cards for contactless payments will remain a key driver of growth in the number and value of transactions.

Security concerns limit threat mobile payments pose to debit cards

M-commerce is still at an early stage of development in France. Many consumers lack confidence in the security of mobile payments, and merchant acceptance remains relatively low.

COMPETITIVE LANDSCAPE

CB faces growing competition from Mastercard and Visa

Groupement des Cartes Bancaires (CB), the national interbank network, remained the dominant operator in debit cards in 2018. Its share of the total number of debit cards in circulation was down slightly on 2017 due to growing competition from Mastercard and Visa, which placed second and third, respectively.

Launch of TIPS service presents significant threat for Mastercard and Visa

Late 2018 saw French bank Natixis and Spanish bank CaixaBank exchange the first ever instant payment via the ECB’s Target Instant Payment Settlement (TIPS) service. This service enables consumers and businesses to transfer funds between participating banks in the eurozone in less than 10 seconds, 24 hours a day and 365 days a year.

Online and cooperative banks among the best performing issuers

While brick-and-mortar debit card issuers have found it increasingly difficult to attract new customers in recent years, their online subsidiaries have fared considerable better in this regard. Due to lower fixed and operating costs, these online subsidiaries – the most prominent of which include Boursorama (Société Générale), Hello Bank (Groupe BNP Paribas) and Fortuneo (Crédit Mutuel Arkéa) – can offer generous sign-up bonuses and issue debit cards that do not incur annual fees.

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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 Debit 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 Debit Transactions industry in France, our research will save you time and money while empowering you to make informed, profitable decisions.

The Debit 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 Debit 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 Debit 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

Profit motive fuels efforts to stimulate more frequent use of charge cards

Favourable economic climate supports strong results for commercial charge cards

Commercial charge card acceptance threatened by high merchant fees

COMPETITIVE LANDSCAPE

CB remains the dominant operator despite increasing competition

AirPlus launches new Mastercard corporate card for business travellers

American Express increases its focus on online and mobile payments

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2014-2019
Table 2 Charge Cards Transactions 2014-2019
Table 3 Charge Cards in Circulation: % Growth 2014-2019
Table 4 Charge Cards Transactions: % Growth 2014-2019
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2014-2019
Table 6 Commercial Charge Cards Transactions 2014-2019
Table 7 Commercial Charge Cards in Circulation: % Growth 2014-2019
Table 8 Commercial Charge Cards Transactions: % Growth 2014-2019
Table 9 Personal Charge Cards: Number of Cards in Circulation 2014-2019
Table 10 Personal Charge Cards Transactions 2014-2019
Table 11 Personal Charge Cards in Circulation: % Growth 2014-2019
Table 12 Personal Charge Cards Transactions: % Growth 2014-2019
Table 13 Charge Cards: Number of Cards by Issuer 2014-2018
Table 14 Charge Cards: Number of Cards by Operator 2014-2018
Table 15 Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 16 Charge Cards Payment Transaction Value by Operator 2014-2018
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2014-2018
Table 18 Commercial Charge Cards: Number of Cards by Operator 2014-2018
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2014-2018
Table 21 Personal Charge Cards: Number of Cards by Issuer 2014-2018
Table 22 Personal Charge Cards: Number of Cards by Operator 2014-2018
Table 23 Personal Charge Cards Transaction Value by Issuer 2014-2018
Table 24 Personal Charge Cards Transaction Value by Operator 2014-2018
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2019-2024
Table 26 Forecast Charge Cards Transactions 2019-2024
Table 27 Forecast Charge Cards in Circulation: % Growth 2019-2024
Table 28 Forecast Charge Cards Transactions: % Growth 2019-2024
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2019-2024
Table 30 Forecast Commercial Charge Cards Transactions 2019-2024
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2019-2024
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2019-2024
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2019-2024
Table 34 Forecast Personal Charge Cards Transactions 2019-2024
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2019-2024
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2019-2024

Credit Cards in France - Category analysis

Credit Cards in France - Company Profile

HEADLINES

PROSPECTS

Low interest rates and higher margins drive banks to encourage credit card usage

Expected ECB rate hike likely to curb growth in transactions

Instalment plans set to make further gains at expense of revolving credit offers

COMPETITIVE LANDSCAPE

Cooperative banks BPCE and Crédit Agricole remain the top two issuers

Cetelem replaces Aurore Visa with Cpay Mastercard

Co-branded credit cards remain the most popular type in France

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2014-2019
Table 38 Credit Cards Transactions 2014-2019
Table 39 Credit Cards in Circulation: % Growth 2014-2019
Table 40 Credit Cards Transactions: % Growth 2014-2019
Table 41 Personal Credit Cards: Number of Cards in Circulation 2014-2019
Table 42 Personal Credit Cards Transactions 2014-2019
Table 43 Personal Credit Cards in Circulation: % Growth 2014-2019
Table 44 Personal Credit Cards Transactions: % Growth 2014-2019
Table 45 Credit Cards: Number of Cards by Issuer 2014-2018
Table 46 Credit Cards: Number of Cards by Operator 2014-2018
Table 47 Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 48 Credit Cards Payment Transaction Value by Operator 2014-2018
Table 49 Personal Credit Cards: Number of Cards by Issuer 2014-2018
Table 50 Personal Credit Cards: Number of Cards by Operator 2014-2018
Table 51 Personal Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 52 Personal Credit Cards Payment Transaction Value by Operator 2014-2018
Table 53 Forecast Credit Cards: Number of Cards in Circulation 2019-2024
Table 54 Forecast Credit Cards Transactions 2019-2024
Table 55 Forecast Credit Cards in Circulation: % Growth 2019-2024
Table 56 Forecast Credit Cards Transactions: % Growth 2019-2024
Table 57 Forecast Personal Credit Cards: Number of Cards in Circulation 2019-2024
Table 58 Forecast Personal Credit Cards Transactions 2019-2024
Table 59 Forecast Personal Credit Cards in Circulation: % Growth 2019-2024
Table 60 Forecast Personal Credit Cards Transactions: % Growth 2019-2024

Debit Cards in France - Category analysis

Debit Cards in France - Company Profile

HEADLINES

PROSPECTS

Mixed results for debit cards in 2019 as banks continue to push charge cards

Use of debit cards for contactless payments set to continue rising

Security concerns limit threat mobile payments pose to debit cards

COMPETITIVE LANDSCAPE

CB faces growing competition from Mastercard and Visa

Launch of TIPS service presents significant threat for Mastercard and Visa

Online and cooperative banks among the best performing issuers

CATEGORY DATA

Table 61 Debit Cards: Number of Cards in Circulation 2014-2019
Table 62 Debit Cards Transactions 2014-2019
Table 63 Debit Cards in Circulation: % Growth 2014-2019
Table 64 Debit Cards Transactions: % Growth 2014-2019
Table 65 Debit Cards: Number of Cards by Issuer 2014-2018
Table 66 Debit Cards: Number of Cards by Operator 2014-2018
Table 67 Debit Cards Payment Transaction Value by Issuer 2014-2018
Table 68 Debit Cards Payment Transaction Value by Operator 2014-2018
Table 69 Forecast Debit Cards: Number of Cards in Circulation 2019-2024
Table 70 Forecast Debit Cards Transactions 2019-2024
Table 71 Forecast Debit Cards in Circulation: % Growth 2019-2024
Table 72 Forecast Debit Cards Transactions: % Growth 2019-2024

Pre-Paid Cards in France - Category analysis

Pre-Paid Cards in France - Company Profile

HEADLINES

PROSPECTS

Strict regulation weakens demand for general purpose reloadable cards

Dematerialisation trend underpins expansion of pre-paid cards

Lack of infrastructure and security concerns hinder pace of progress

COMPETITIVE LANDSCAPE

Edenred leads a fragmented environment in terms of card circulation numbers

Innovative and flexible offers give local fintech start-ups an edge

French consumers are slow to embrace m-commerce payment solutions

CATEGORY DATA

Table 73 Pre-paid Cards: Number of Cards in Circulation 2014-2019
Table 74 Pre-paid Cards Transactions 2014-2019
Table 75 Pre-paid Cards in Circulation: % Growth 2014-2019
Table 76 Pre-paid Cards Transactions: % Growth 2014-2019
Table 77 Closed Loop Pre-paid Cards Transactions 2014-2019
Table 78 Closed Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 79 Open Loop Pre-paid Cards Transactions 2014-2019
Table 80 Open Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 81 Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 82 Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 83 Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 84 Pre-paid Cards Transaction Value by Operator 2014-2018
Table 85 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 86 Closed Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 87 Closed Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 88 Closed Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 89 Open Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 90 Open Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 91 Open Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 92 Open Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 93 Forecast Pre-paid Cards: Number of Cards in Circulation 2019-2024
Table 94 Forecast Pre-paid Cards Transactions 2019-2024
Table 95 Forecast Pre-paid Cards in Circulation: % Growth 2019-2024
Table 96 Forecast Pre-paid Cards Transactions: % Growth 2019-2024
Table 97 Forecast Closed Loop Pre-paid Cards Transactions 2019-2024
Table 98 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2019-2024
Table 99 Forecast Open Loop Pre-paid Cards Transactions 2019-2024
Table 100 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2019-2024

Store Cards in France - Category analysis

Store Cards in France - Company Profile

HEADLINES

PROSPECTS

Legal constraints and decline of homeshopping continue to reduce store card usage

Retailers increasingly favour issuing co-branded credit cards

Decline of store cards set to continue as retailers embrace multi-fascia model

COMPETITIVE LANDSCAPE

Strong retail partnerships and flexible offers support gains for Crédit Agricole

BPCE acquires Oney from Auchan

Digital wallets offer potential for more personalised store card offers

CATEGORY DATA

Table 101 Store Cards: Number of Cards in Circulation 2014-2019
Table 102 Store Cards Transactions 2014-2019
Table 103 Store Cards in Circulation: % Growth 2014-2019
Table 104 Store Cards Transactions: % Growth 2014-2019
Table 105 Store Cards: Number of Cards by Issuer 2014-2018
Table 106 Store Cards: Payment Transaction Value by Issuer 2014-2018
Table 107 Forecast Store Cards: Number of Cards in Circulation 2019-2024
Table 108 Forecast Store Cards Transactions 2019-2024
Table 109 Forecast Store Cards in Circulation: % Growth 2019-2024
Table 110 Forecast Store Cards Transactions: % Growth 2019-2024

Financial Cards and Payments in France - Industry Overview

EXECUTIVE SUMMARY

Economic growth, innovation and industry trends boost card payment transactions

Recent regulatory changes create opportunities and challenges

Dematerialisation trend remains strong but security concerns hamper m-commerce

Card operators and issuers cultivate new partnerships as competition intensifies

Shift away from cash and paper-based payments set to continue

MARKET INDICATORS

Table 111 Number of POS Terminals: Units 2014-2019
Table 112 Number of ATMs: Units 2014-2019
Table 113 Value Lost to Fraud 2014-2019
Table 114 Card Expenditure by Location 2019
Table 115 Financial Cards in Circulation by Type: % Number of Cards 2014-2019
Table 116 Domestic versus Foreign Spend 2019

MARKET DATA

Table 117 Financial Cards by Category: Number of Cards in Circulation 2014-2019
Table 118 Financial Cards by Category: Number of Accounts 2014-2019
Table 119 Financial Cards Transactions by Category: Value 2014-2019
Table 120 Financial Cards by Category: Number of Transactions 2014-2019
Table 121 Consumer Payments by Category: Value 2014-2019
Table 122 Consumer Payments by Category: Number of Transactions 2014-2019
Table 123 M-Commerce by Category: Value 2014-2019
Table 124 M-Commerce by Category: % Value Growth 2014-2019
Table 125 Financial Cards: Number of Cards by Issuer 2014-2018
Table 126 Financial Cards: Number of Cards by Operator 2014-2018
Table 127 Financial Cards: Card Payment Transactions Value by Operator 2014-2018
Table 128 Financial Cards: Card Payment Transactions Value by Issuer 2014-2018
Table 129 Forecast Financial Cards by Category: Number of Cards in Circulation 2019-2024
Table 130 Forecast Financial Cards by Category: Number of Accounts 2019-2024
Table 131 Forecast Financial Cards Transactions by Category: Value 2019-2024
Table 132 Forecast Financial Cards by Category: Number of Transactions 2019-2024
Table 133 Forecast Consumer Payments by Category: Value 2019-2024
Table 134 Forecast Consumer Payments by Category: Number of Transactions 2019-2024
Table 135 Forecast M-Commerce by Category: Value 2019-2024
Table 136 Forecast M-Commerce by Category: % Value Growth 2019-2024

Megatrends

Country Report

Debit Cards in France

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Mixed results for debit cards in 2019 as banks continue to push charge cards

Use of debit cards for contactless payments set to continue rising

Security concerns limit threat mobile payments pose to debit cards

COMPETITIVE LANDSCAPE

CB faces growing competition from Mastercard and Visa

Launch of TIPS service presents significant threat for Mastercard and Visa

Online and cooperative banks among the best performing issuers

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

Profit motive fuels efforts to stimulate more frequent use of charge cards

Favourable economic climate supports strong results for commercial charge cards

Commercial charge card acceptance threatened by high merchant fees

COMPETITIVE LANDSCAPE

CB remains the dominant operator despite increasing competition

AirPlus launches new Mastercard corporate card for business travellers

American Express increases its focus on online and mobile payments

CATEGORY DATA

Credit Cards in France - Category analysis

Credit Cards in France - Company Profile

HEADLINES

PROSPECTS

Low interest rates and higher margins drive banks to encourage credit card usage

Expected ECB rate hike likely to curb growth in transactions

Instalment plans set to make further gains at expense of revolving credit offers

COMPETITIVE LANDSCAPE

Cooperative banks BPCE and Crédit Agricole remain the top two issuers

Cetelem replaces Aurore Visa with Cpay Mastercard

Co-branded credit cards remain the most popular type in France

CATEGORY DATA

Debit Cards in France - Category analysis

Debit Cards in France - Company Profile

HEADLINES

PROSPECTS

Mixed results for debit cards in 2019 as banks continue to push charge cards

Use of debit cards for contactless payments set to continue rising

Security concerns limit threat mobile payments pose to debit cards

COMPETITIVE LANDSCAPE

CB faces growing competition from Mastercard and Visa

Launch of TIPS service presents significant threat for Mastercard and Visa

Online and cooperative banks among the best performing issuers

CATEGORY DATA

Pre-Paid Cards in France - Category analysis

Pre-Paid Cards in France - Company Profile

HEADLINES

PROSPECTS

Strict regulation weakens demand for general purpose reloadable cards

Dematerialisation trend underpins expansion of pre-paid cards

Lack of infrastructure and security concerns hinder pace of progress

COMPETITIVE LANDSCAPE

Edenred leads a fragmented environment in terms of card circulation numbers

Innovative and flexible offers give local fintech start-ups an edge

French consumers are slow to embrace m-commerce payment solutions

CATEGORY DATA

Store Cards in France - Category analysis

Store Cards in France - Company Profile

HEADLINES

PROSPECTS

Legal constraints and decline of homeshopping continue to reduce store card usage

Retailers increasingly favour issuing co-branded credit cards

Decline of store cards set to continue as retailers embrace multi-fascia model

COMPETITIVE LANDSCAPE

Strong retail partnerships and flexible offers support gains for Crédit Agricole

BPCE acquires Oney from Auchan