Financial Cards and Payments in France

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 1 Number of POS Terminals: Units 2014-2019
Table 2 Number of ATMs: Units 2014-2019
Table 3 Value Lost to Fraud 2014-2019
Table 4 Card Expenditure by Location 2019
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2014-2019
Table 6 Domestic versus Foreign Spend 2019

MARKET DATA

Table 7 Financial Cards by Category: Number of Cards in Circulation 2014-2019
Table 8 Financial Cards by Category: Number of Accounts 2014-2019
Table 9 Financial Cards Transactions by Category: Value 2014-2019
Table 10 Financial Cards by Category: Number of Transactions 2014-2019
Table 11 Consumer Payments by Category: Value 2014-2019
Table 12 Consumer Payments by Category: Number of Transactions 2014-2019
Table 13 M-Commerce by Category: Value 2014-2019
Table 14 M-Commerce by Category: % Value Growth 2014-2019
Table 15 Financial Cards: Number of Cards by Issuer 2014-2018
Table 16 Financial Cards: Number of Cards by Operator 2014-2018
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2014-2018
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2014-2018
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2019-2024
Table 20 Forecast Financial Cards by Category: Number of Accounts 2019-2024
Table 21 Forecast Financial Cards Transactions by Category: Value 2019-2024
Table 22 Forecast Financial Cards by Category: Number of Transactions 2019-2024
Table 23 Forecast Consumer Payments by Category: Value 2019-2024
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2019-2024
Table 25 Forecast M-Commerce by Category: Value 2019-2024
Table 26 Forecast M-Commerce by Category: % Value Growth 2019-2024

SOURCES

Summary 1 Research Sources

Charge Cards in France - Category analysis

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 27 Charge Cards: Number of Cards in Circulation 2014-2019
Table 28 Charge Cards Transactions 2014-2019
Table 29 Charge Cards in Circulation: % Growth 2014-2019
Table 30 Charge Cards Transactions: % Growth 2014-2019
Table 31 Commercial Charge Cards: Number of Cards in Circulation 2014-2019
Table 32 Commercial Charge Cards Transactions 2014-2019
Table 33 Commercial Charge Cards in Circulation: % Growth 2014-2019
Table 34 Commercial Charge Cards Transactions: % Growth 2014-2019
Table 35 Personal Charge Cards: Number of Cards in Circulation 2014-2019
Table 36 Personal Charge Cards Transactions 2014-2019
Table 37 Personal Charge Cards in Circulation: % Growth 2014-2019
Table 38 Personal Charge Cards Transactions: % Growth 2014-2019
Table 39 Charge Cards: Number of Cards by Issuer 2014-2018
Table 40 Charge Cards: Number of Cards by Operator 2014-2018
Table 41 Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 42 Charge Cards Payment Transaction Value by Operator 2014-2018
Table 43 Commercial Charge Cards: Number of Cards by Issuer 2014-2018
Table 44 Commercial Charge Cards: Number of Cards by Operator 2014-2018
Table 45 Commercial Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 46 Commercial Charge Cards Payment Transaction Value by Operator 2014-2018
Table 47 Personal Charge Cards: Number of Cards by Issuer 2014-2018
Table 48 Personal Charge Cards: Number of Cards by Operator 2014-2018
Table 49 Personal Charge Cards Transaction Value by Issuer 2014-2018
Table 50 Personal Charge Cards Transaction Value by Operator 2014-2018
Table 51 Forecast Charge Cards: Number of Cards in Circulation 2019-2024
Table 52 Forecast Charge Cards Transactions 2019-2024
Table 53 Forecast Charge Cards in Circulation: % Growth 2019-2024
Table 54 Forecast Charge Cards Transactions: % Growth 2019-2024
Table 55 Forecast Commercial Charge Cards: Number of Cards in Circulation 2019-2024
Table 56 Forecast Commercial Charge Cards Transactions 2019-2024
Table 57 Forecast Commercial Charge Cards in Circulation: % Growth 2019-2024
Table 58 Forecast Commercial Charge Cards Transactions: % Growth 2019-2024
Table 59 Forecast Personal Charge Cards: Number of Cards in Circulation 2019-2024
Table 60 Forecast Personal Charge Cards Transactions 2019-2024
Table 61 Forecast Personal Charge Cards in Circulation: % Growth 2019-2024
Table 62 Forecast Personal Charge Cards Transactions: % Growth 2019-2024

Credit Cards in France - Category analysis

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 63 Credit Cards: Number of Cards in Circulation 2014-2019
Table 64 Credit Cards Transactions 2014-2019
Table 65 Credit Cards in Circulation: % Growth 2014-2019
Table 66 Credit Cards Transactions: % Growth 2014-2019
Table 67 Personal Credit Cards: Number of Cards in Circulation 2014-2019
Table 68 Personal Credit Cards Transactions 2014-2019
Table 69 Personal Credit Cards in Circulation: % Growth 2014-2019
Table 70 Personal Credit Cards Transactions: % Growth 2014-2019
Table 71 Credit Cards: Number of Cards by Issuer 2014-2018
Table 72 Credit Cards: Number of Cards by Operator 2014-2018
Table 73 Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 74 Credit Cards Payment Transaction Value by Operator 2014-2018
Table 75 Personal Credit Cards: Number of Cards by Issuer 2014-2018
Table 76 Personal Credit Cards: Number of Cards by Operator 2014-2018
Table 77 Personal Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 78 Personal Credit Cards Payment Transaction Value by Operator 2014-2018
Table 79 Forecast Credit Cards: Number of Cards in Circulation 2019-2024
Table 80 Forecast Credit Cards Transactions 2019-2024
Table 81 Forecast Credit Cards in Circulation: % Growth 2019-2024
Table 82 Forecast Credit Cards Transactions: % Growth 2019-2024
Table 83 Forecast Personal Credit Cards: Number of Cards in Circulation 2019-2024
Table 84 Forecast Personal Credit Cards Transactions 2019-2024
Table 85 Forecast Personal Credit Cards in Circulation: % Growth 2019-2024
Table 86 Forecast Personal Credit Cards Transactions: % Growth 2019-2024

Debit Cards in France - Category analysis

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 87 Debit Cards: Number of Cards in Circulation 2014-2019
Table 88 Debit Cards Transactions 2014-2019
Table 89 Debit Cards in Circulation: % Growth 2014-2019
Table 90 Debit Cards Transactions: % Growth 2014-2019
Table 91 Debit Cards: Number of Cards by Issuer 2014-2018
Table 92 Debit Cards: Number of Cards by Operator 2014-2018
Table 93 Debit Cards Payment Transaction Value by Issuer 2014-2018
Table 94 Debit Cards Payment Transaction Value by Operator 2014-2018
Table 95 Forecast Debit Cards: Number of Cards in Circulation 2019-2024
Table 96 Forecast Debit Cards Transactions 2019-2024
Table 97 Forecast Debit Cards in Circulation: % Growth 2019-2024
Table 98 Forecast Debit Cards Transactions: % Growth 2019-2024

Pre-Paid Cards in France - Category analysis

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 99 Pre-paid Cards: Number of Cards in Circulation 2014-2019
Table 100 Pre-paid Cards Transactions 2014-2019
Table 101 Pre-paid Cards in Circulation: % Growth 2014-2019
Table 102 Pre-paid Cards Transactions: % Growth 2014-2019
Table 103 Closed Loop Pre-paid Cards Transactions 2014-2019
Table 104 Closed Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 105 Open Loop Pre-paid Cards Transactions 2014-2019
Table 106 Open Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 107 Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 108 Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 109 Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 110 Pre-paid Cards Transaction Value by Operator 2014-2018
Table 111 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 112 Closed Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 113 Closed Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 114 Closed Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 115 Open Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 116 Open Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 117 Open Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 118 Open Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 119 Forecast Pre-paid Cards: Number of Cards in Circulation 2019-2024
Table 120 Forecast Pre-paid Cards Transactions 2019-2024
Table 121 Forecast Pre-paid Cards in Circulation: % Growth 2019-2024
Table 122 Forecast Pre-paid Cards Transactions: % Growth 2019-2024
Table 123 Forecast Closed Loop Pre-paid Cards Transactions 2019-2024
Table 124 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2019-2024
Table 125 Forecast Open Loop Pre-paid Cards Transactions 2019-2024
Table 126 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2019-2024

Store Cards in France - Category analysis

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 127 Store Cards: Number of Cards in Circulation 2014-2019
Table 128 Store Cards Transactions 2014-2019
Table 129 Store Cards in Circulation: % Growth 2014-2019
Table 130 Store Cards Transactions: % Growth 2014-2019
Table 131 Store Cards: Number of Cards by Issuer 2014-2018
Table 132 Store Cards: Payment Transaction Value by Issuer 2014-2018
Table 133 Forecast Store Cards: Number of Cards in Circulation 2019-2024
Table 134 Forecast Store Cards Transactions 2019-2024
Table 135 Forecast Store Cards in Circulation: % Growth 2019-2024
Table 136 Forecast Store Cards Transactions: % Growth 2019-2024

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