Financial Cards and Payments in France

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 1 Number of POS Terminals: Units 2013-2018
Table 2 Number of ATMs: Units 2013-2018
Table 3 Value Lost to Fraud 2013-2018
Table 4 Card Expenditure by Location 2017
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2013-2018
Table 6 Domestic versus Foreign Spend 2018

MARKET DATA

Table 7 Financial Cards by Category: Number of Cards in Circulation 2013-2018
Table 8 Financial Cards by Category: Number of Accounts 2013-2018
Table 9 Financial Cards Transactions by Category: Value 2013-2018
Table 10 Financial Cards by Category: Number of Transactions 2013-2018
Table 11 Consumer Payments by Category: Value 2013-2018
Table 12 Consumer Payments by Category: Number of Transactions 2013-2018
Table 13 M-Commerce by Category: Value 2013-2018
Table 14 M-Commerce by Category: % Value Growth 2013-2018
Table 15 Financial Cards: Number of Cards by Issuer 2013-2017
Table 16 Financial Cards: Number of Cards by Issuer 2013-2017
Table 17 Financial Cards: Number of Cards by Operator 2013-2017
Table 18 Financial Cards: Card Payment Transactions Value by Operator 2013-2017
Table 19 Financial Cards: Card Payment Transactions Value by Issuer 2013-2017
Table 20 Forecast Financial Cards by Category: Number of Cards in Circulation 2018-2023
Table 21 Forecast Financial Cards by Category: Number of Accounts 2018-2023
Table 22 Forecast Financial Cards Transactions by Category: Value 2018-2023
Table 23 Forecast Financial Cards by Category: Number of Transactions 2018-2023
Table 24 Forecast Consumer Payments by Category: Value 2018-2023
Table 25 Forecast Consumer Payments by Category: Number of Transactions 2018-2023
Table 26 Forecast M-Commerce by Category: Value 2018-2023
Table 27 Forecast M-Commerce by Category: % Value Growth 2018-2023

SOURCES

Summary 1 Research Sources

Charge Cards in France - Category analysis

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 28 Charge Cards: Number of Cards in Circulation 2013-2018
Table 29 Charge Cards Transactions 2013-2018
Table 30 Charge Cards in Circulation: % Growth 2013-2018
Table 31 Charge Cards Transactions: % Growth 2013-2018
Table 32 Commercial Charge Cards: Number of Cards in Circulation 2013-2018
Table 33 Commercial Charge Cards Transactions 2013-2018
Table 34 Commercial Charge Cards in Circulation: % Growth 2013-2018
Table 35 Commercial Charge Cards Transactions: % Growth 2013-2018
Table 36 Personal Charge Cards: Number of Cards in Circulation 2013-2018
Table 37 Personal Charge Cards Transactions 2013-2018
Table 38 Personal Charge Cards in Circulation: % Growth 2013-2018
Table 39 Personal Charge Cards Transactions: % Growth 2013-2018
Table 40 Charge Cards: Number of Cards by Issuer 2013-2017
Table 41 Charge Cards: Number of Cards by Operator 2013-2017
Table 42 Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 43 Charge Cards Payment Transaction Value by Operator 2013-2017
Table 44 Commercial Charge Cards: Number of Cards by Issuer 2013-2017
Table 45 Commercial Charge Cards: Number of Cards by Operator 2013-2017
Table 46 Commercial Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 47 Commercial Charge Cards Payment Transaction Value by Operator 2013-2017
Table 48 Personal Charge Cards: Number of Cards by Issuer 2013-2017
Table 49 Personal Charge Cards: Number of Cards by Operator 2013-2017
Table 50 Personal Charge Cards Transaction Value by Issuer 2013-2017
Table 51 Personal Charge Cards Transaction Value by Operator 2013-2017
Table 52 Forecast Charge Cards: Number of Cards in Circulation 2018-2023
Table 53 Forecast Charge Cards Transactions 2018-2023
Table 54 Forecast Charge Cards in Circulation: % Growth 2018-2023
Table 55 Forecast Charge Cards Transactions: % Growth 2018-2023
Table 56 Forecast Commercial Charge Cards: Number of Cards in Circulation 2018-2023
Table 57 Forecast Commercial Charge Cards Transactions 2018-2023
Table 58 Forecast Commercial Charge Cards in Circulation: % Growth 2018-2023
Table 59 Forecast Commercial Charge Cards Transactions: % Growth 2018-2023
Table 60 Forecast Personal Charge Cards: Number of Cards in Circulation 2018-2023
Table 61 Forecast Personal Charge Cards Transactions 2018-2023
Table 62 Forecast Personal Charge Cards in Circulation: % Growth 2018-2023
Table 63 Forecast Personal Charge Cards Transactions: % Growth 2018-2023

Credit Cards in France - Category analysis

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 64 Credit Cards: Number of Cards in Circulation 2013-2018
Table 65 Credit Cards Transactions 2013-2018
Table 66 Credit Cards in Circulation: % Growth 2013-2018
Table 67 Credit Cards Transactions: % Growth 2013-2018
Table 68 Personal Credit Cards: Number of Cards in Circulation 2013-2018
Table 69 Personal Credit Cards Transactions 2013-2018
Table 70 Personal Credit Cards in Circulation: % Growth 2013-2018
Table 71 Personal Credit Cards Transactions: % Growth 2013-2018
Table 72 Credit Cards: Number of Cards by Issuer 2013-2017
Table 73 Credit Cards: Number of Cards by Operator 2013-2017
Table 74 Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 75 Credit Cards Payment Transaction Value by Operator 2013-2017
Table 76 Personal Credit Cards: Number of Cards by Issuer 2013-2017
Table 77 Personal Credit Cards: Number of Cards by Operator 2013-2017
Table 78 Personal Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 79 Personal Credit Cards Payment Transaction Value by Operator 2013-2017
Table 80 Forecast Credit Cards: Number of Cards in Circulation 2018-2023
Table 81 Forecast Credit Cards Transactions 2018-2023
Table 82 Forecast Credit Cards in Circulation: % Growth 2018-2023
Table 83 Forecast Credit Cards Transactions: % Growth 2018-2023
Table 84 Forecast Personal Credit Cards: Number of Cards in Circulation 2018-2023
Table 85 Forecast Personal Credit Cards Transactions 2018-2023
Table 86 Forecast Personal Credit Cards in Circulation: % Growth 2018-2023
Table 87 Forecast Personal Credit Cards Transactions: % Growth 2018-2023

Debit Cards in France - Category analysis

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 88 Debit Cards: Number of Cards in Circulation 2013-2018
Table 89 Debit Cards Transactions 2013-2018
Table 90 Debit Cards in Circulation: % Growth 2013-2018
Table 91 Debit Cards Transactions: % Growth 2013-2018
Table 92 Debit Cards: Number of Cards by Issuer 2013-2017
Table 93 Debit Cards: Number of Cards by Operator 2013-2017
Table 94 Debit Cards Payment Transaction Value by Issuer 2013-2017
Table 95 Debit Cards Payment Transaction Value by Operator 2013-2017
Table 96 Forecast Debit Cards: Number of Cards in Circulation 2018-2023
Table 97 Forecast Debit Cards Transactions 2018-2023
Table 98 Forecast Debit Cards in Circulation: % Growth 2018-2023
Table 99 Forecast Debit Cards Transactions: % Growth 2018-2023

Pre-Paid Cards in France - Category analysis

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 100 Pre-paid Cards: Number of Cards in Circulation 2013-2018
Table 101 Pre-paid Cards Transactions 2013-2018
Table 102 Pre-paid Cards in Circulation: % Growth 2013-2018
Table 103 Pre-paid Cards Transactions: % Growth 2013-2018
Table 104 Closed Loop Pre-paid Cards Transactions 2013-2018
Table 105 Closed Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 106 Open Loop Pre-paid Cards Transactions 2013-2018
Table 107 Open Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 108 Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 109 Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 110 Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 111 Pre-paid Cards Transaction Value by Operator 2013-2017
Table 112 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 113 Closed Loop Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 114 Closed Loop Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 115 Closed Loop Pre-paid Cards Transaction Value by Operator 2013-2017
Table 116 Open Loop Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 117 Open Loop Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 118 Open Loop Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 119 Open Loop Pre-paid Cards Transaction Value by Operator 2013-2017
Table 120 Forecast Pre-paid Cards: Number of Cards in Circulation 2018-2023
Table 121 Forecast Pre-paid Cards Transactions 2018-2023
Table 122 Forecast Pre-paid Cards in Circulation: % Growth 2018-2023
Table 123 Forecast Pre-paid Cards Transactions: % Growth 2018-2023
Table 124 Forecast Closed Loop Pre-paid Cards Transactions 2018-2023
Table 125 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 126 Forecast Open Loop Pre-paid Cards Transactions 2018-2023
Table 127 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2018-2023

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