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Financial Cards and Payments in France

December 2022
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Overview:

Understand the latest market trends and future growth opportunities for the Financial Cards and Payments 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 Financial Cards and Payments 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 Financial Cards and Payments 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 Financial Cards and Payments in France?
  • What are the major trends key to understanding Financial Cards and Payments 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?
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Financial Cards and Payments in France - Industry Overview

Financial cards and payments in 2022: The big picture
Contactless and mobile payments, and switches to dematerialised pre-paid cards lead the trends
Competitive landscape
What next for financial cards and payments?
Table 1 Number of POS Terminals: Units 2017-2022
Table 2 Number of ATMs: Units 2017-2022
Table 3 Value Lost to Fraud 2017-2022
Table 4 Card Expenditure by Location 2022
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2017-2022
Table 6 Domestic versus Foreign Spend 2022
Table 7 Financial Cards by Category: Number of Cards in Circulation 2017-2022
Table 8 Financial Cards by Category: Number of Accounts 2017-2022
Table 9 Financial Cards Transactions by Category: Value 2017-2022
Table 10 Financial Cards by Category: Number of Transactions 2017-2022
Table 11 Commerical Payments by Category: Value 2017-2022
Table 12 Commercial Payments by Category: Number of Transactions 2017-2022
Table 13 Personal Payments by Category: Value 2017-2022
Table 14 Personal Payments by Category: Number of Transactions 2017-2022
Table 15 M-Commerce by Category: Value 2017-2022
Table 16 M-Commerce by Category: % Value Growth 2017-2022
Table 17 Financial Cards: Number of Cards by Issuer 2017-2021
Table 18 Financial Cards: Number of Cards by Operator 2017-2021
Table 19 Financial Cards: Card Payment Transactions Value by Operator 2017-2021
Table 20 Financial Cards: Card Payment Transactions Value by Issuer 2017-2021
Table 21 Forecast Financial Cards by Category: Number of Cards in Circulation 2022-2027
Table 22 Forecast Financial Cards by Category: Number of Accounts 2022-2027
Table 23 Forecast Financial Cards Transactions by Category: Value 2022-2027
Table 24 Forecast Financial Cards by Category: Number of Transactions 2022-2027
Table 25 Forecast Commercial Payments by Category: Value 2022-2027
Table 26 Forecast Commercial Payments by Category: Number of Transactions 2022-2027
Table 27 Forecast Personal Payments by Category: Value 2022-2027
Table 28 Forecast Personal Payments by Category: Number of Transactions 2022-2027
Table 29 Forecast M-Commerce by Category: Value 2022-2027
Table 30 Forecast M-Commerce by Category: % Value Growth 2022-2027

DISCLAIMER

Summary 1 Research Sources

Charge Cards in France - Category analysis

KEY DATA FINDINGS

Ongoing (albeit slower) growth seen in 2022, following the boost in 2021 after the pandemic declines
Commercial charge cards are back in the game following their collapse during the pandemic lockdowns
Groupement des Cartes Bancaires remains the leader ahead of Visa, Mastercard and American Express
New incentives for charge cards (lower prices, BNPL), but this is not an absolute priority target for a banker
Recovery in commercial charge cards has begun and looks set to continue, but challenges are also afoot
Biometrical recognition and instant transfers, two main challenges and opportunities for charge cards
Table 31 Charge Cards: Number of Cards in Circulation 2017-2022
Table 32 Charge Cards Transactions 2017-2022
Table 33 Charge Cards in Circulation: % Growth 2017-2022
Table 34 Charge Cards Transactions: % Growth 2017-2022
Table 35 Commercial Charge Cards: Number of Cards in Circulation 2017-2022
Table 36 Commercial Charge Cards Transactions 2017-2022
Table 37 Commercial Charge Cards in Circulation: % Growth 2017-2022
Table 38 Commercial Charge Cards Transactions: % Growth 2017-2022
Table 39 Personal Charge Cards: Number of Cards in Circulation 2017-2022
Table 40 Personal Charge Cards Transactions 2017-2022
Table 41 Personal Charge Cards in Circulation: % Growth 2017-2022
Table 42 Personal Charge Cards Transactions: % Growth 2017-2022
Table 43 Charge Cards: Number of Cards by Issuer 2017-2021
Table 44 Charge Cards: Number of Cards by Operator 2017-2021
Table 45 Charge Cards Payment Transaction Value by Issuer 2017-2021
Table 46 Charge Cards Payment Transaction Value by Operator 2017-2021
Table 47 Commercial Charge Cards: Number of Cards by Issuer 2017-2021
Table 48 Commercial Charge Cards: Number of Cards by Operator 2017-2021
Table 49 Commercial Charge Cards Payment Transaction Value by Issuer 2017-2021
Table 50 Commercial Charge Cards Payment Transaction Value by Operator 2017-2021
Table 51 Personal Charge Cards: Number of Cards by Issuer 2017-2021
Table 52 Personal Charge Cards: Number of Cards by Operator 2017-2021
Table 53 Personal Charge Cards Transaction Value by Issuer 2017-2021
Table 54 Personal Charge Cards Transaction Value by Operator 2017-2021
Table 55 Forecast Charge Cards: Number of Cards in Circulation 2022-2027
Table 56 Forecast Charge Cards Transactions 2022-2027
Table 57 Forecast Charge Cards in Circulation: % Growth 2022-2027
Table 58 Forecast Charge Cards Transactions: % Growth 2022-2027
Table 59 Forecast Commercial Charge Cards: Number of Cards in Circulation 2022-2027
Table 60 Forecast Commercial Charge Cards Transactions 2022-2027
Table 61 Forecast Commercial Charge Cards in Circulation: % Growth 2022-2027
Table 62 Forecast Commercial Charge Cards Transactions: % Growth 2022-2027
Table 63 Forecast Personal Charge Cards: Number of Cards in Circulation 2022-2027
Table 64 Forecast Personal Charge Cards Transactions 2022-2027
Table 65 Forecast Personal Charge Cards in Circulation: % Growth 2022-2027
Table 66 Forecast Personal Charge Cards Transactions: % Growth 2022-2027

Credit Cards in France - Category analysis

KEY DATA FINDINGS

Robust growth seen in the number of credit cards from mid-2021, thanks to lessening of pandemic restrictions
The need to use credit cards during the post-pandemic crisis vs skyrocketing debt consolidation and national tendency to save rather than borrow during hard times
Mastercard proves competition to the ubiquitous CB with co-branding options
Credit cards set to see stronger recovery than expected, supported by the controversial BNPL method
Consumers will continue to seek low risk options, with the ongoing success of BNPL unknown
More room for growth for both existing and new issuers, with a range of attractive offers expected over the forecast period
Table 67 Credit Cards: Number of Cards in Circulation 2017-2022
Table 68 Credit Cards Transactions 2017-2022
Table 69 Credit Cards in Circulation: % Growth 2017-2022
Table 70 Credit Cards Transactions: % Growth 2017-2022
Table 71 Personal Credit Cards: Number of Cards in Circulation 2017-2022
Table 72 Personal Credit Cards Transactions 2017-2022
Table 73 Personal Credit Cards in Circulation: % Growth 2017-2022
Table 74 Personal Credit Cards Transactions: % Growth 2017-2022
Table 75 Credit Cards: Number of Cards by Issuer 2017-2021
Table 76 Credit Cards: Number of Cards by Operator 2017-2021
Table 77 Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 78 Credit Cards Payment Transaction Value by Operator 2017-2021
Table 79 Personal Credit Cards: Number of Cards by Issuer 2017-2021
Table 80 Personal Credit Cards: Number of Cards by Operator 2017-2021
Table 81 Personal Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 82 Personal Credit Cards Payment Transaction Value by Operator 2017-2021
Table 83 Forecast Credit Cards: Number of Cards in Circulation 2022-2027
Table 84 Forecast Credit Cards Transactions 2022-2027
Table 85 Forecast Credit Cards in Circulation: % Growth 2022-2027
Table 86 Forecast Credit Cards Transactions: % Growth 2022-2027
Table 87 Forecast Personal Credit Cards: Number of Cards in Circulation 2022-2027
Table 88 Forecast Personal Credit Cards Transactions 2022-2027
Table 89 Forecast Personal Credit Cards in Circulation: % Growth 2022-2027
Table 90 Forecast Personal Credit Cards Transactions: % Growth 2022-2027

Debit Cards in France - Category analysis

KEY DATA FINDINGS

Ongoing progression in the number of debit cards, while average transaction values remain more modest
Ongoing growth for contactless payments in 2022, while remote and proxy payments forge ahead
CB is back in the game of operators, while players release successful 2021 financial figures
Ongoing growth following the acceleration of digitised payments and the recovery of commercial debit cards
The maintenance of free services and the strengthening of security in terms of both physical and online payments will remain crucial
Brands set to forge ahead with online and virtual payments, as Boursorama is on its path to reach 4.5 million customers
Table 91 Debit Cards: Number of Cards in Circulation 2017-2022
Table 92 Debit Cards Transactions 2017-2022
Table 93 Debit Cards in Circulation: % Growth 2017-2022
Table 94 Debit Cards Transactions: % Growth 2017-2022
Table 95 Debit Cards: Number of Cards by Issuer 2017-2021
Table 96 Debit Cards: Number of Cards by Operator 2017-2021
Table 97 Debit Cards Payment Transaction Value by Issuer 2017-2021
Table 98 Debit Cards Payment Transaction Value by Operator 2017-2021
Table 99 Forecast Debit Cards: Number of Cards in Circulation 2022-2027
Table 100 Forecast Debit Cards Transactions 2022-2027
Table 101 Forecast Debit Cards in Circulation: % Growth 2022-2027
Table 102 Forecast Debit Cards Transactions: % Growth 2022-2027

Pre-Paid Cards in France - Category analysis

KEY DATA FINDINGS

Open loop pre-paid cards see ongoing success, but at lower rates than expected due to the ongoing use of paper vouchers
Closed loop pre-paid cards see more robust growth, as sales maintained through the era of the pandemic due to rise in demand for gift cards
Almost all players are now back in business, with Edenred looking to accelerate digitisation in luncheon cards
Open loop to forge ahead more in volume than in value, as closed loop set to see acceleration due to pending Olympic Games
Closed loop pre-paid cards –sped up digitalisation of gifts cards and the opportunities connected to working from home
Visa, Mastercard and other players need new prospects and should favour pre-paid cards, notably via mobile payment
Table 103 Pre-paid Cards: Number of Cards in Circulation 2017-2022
Table 104 Pre-paid Cards Transactions 2017-2022
Table 105 Pre-paid Cards in Circulation: % Growth 2017-2022
Table 106 Pre-paid Cards Transactions: % Growth 2017-2022
Table 107 Closed Loop Pre-paid Cards Transactions 2017-2022
Table 108 Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 109 Open Loop Pre-paid Cards Transactions 2017-2022
Table 110 Open Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 111 Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 112 Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 113 Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 114 Pre-paid Cards Transaction Value by Operator 2017-2021
Table 115 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 116 Closed Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 117 Closed Loop Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 118 Closed Loop Pre-paid Cards Transaction Value by Operator 2017-2021
Table 119 Open Loop Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 120 Open Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 121 Open Loop Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 122 Open Loop Pre-paid Cards Transaction Value by Operator 2017-2021
Table 123 Forecast Pre-paid Cards: Number of Cards in Circulation 2022-2027
Table 124 Forecast Pre-paid Cards Transactions 2022-2027
Table 125 Forecast Pre-paid Cards in Circulation: % Growth 2022-2027
Table 126 Forecast Pre-paid Cards Transactions: % Growth 2022-2027
Table 127 Forecast Closed Loop Pre-paid Cards Transactions 2022-2027
Table 128 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2022-2027
Table 129 Forecast Open Loop Pre-paid Cards Transactions 2022-2027
Table 130 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2022-2027

Store Cards in France - Category analysis

KEY DATA FINDINGS

Store cards continue on a historic decline, especially in the light of rising inflation
BNPL and e-commerce options offer advantages, but strong competition comes from co-branded credit cards
Issuers face ongoing challenges, whilst some brands find inventive ways to attract customers
Ongoing issues in tracking consumer experiences, a continuous surge of multi-fascia cards and co-branded credit cards, alongside the questioning of BNPL
Store cards will see ongoing organic declines, despite the rise of e-commerce variants
More digital wallets to be associated with store cards
Table 131 Store Cards: Number of Cards in Circulation 2017-2022
Table 132 Store Cards Transactions 2017-2022
Table 133 Store Cards in Circulation: % Growth 2017-2022
Table 134 Store Cards Transactions: % Growth 2017-2022
Table 135 Store Cards: Number of Cards by Issuer 2017-2021
Table 136 Store Cards: Payment Transaction Value by Issuer 2017-2021
Table 137 Forecast Store Cards: Number of Cards in Circulation 2022-2027
Table 138 Forecast Store Cards Transactions 2022-2027
Table 139 Forecast Store Cards in Circulation: % Growth 2022-2027
Table 140 Forecast Store Cards Transactions: % Growth 2022-2027
The following categories and subcategories are included:

Financial Cards and Payments

    • ATM Cards
      • Commercial Charge Cards
      • Personal Charge Cards
      • Commercial Credit Cards
      • Personal Credit Cards
      • Commercial Debit Cards
      • Personal Debit Cards
      • Closed Loop Pre-Paid Cards
      • Open Loop Pre-Paid Cards
    • Store Cards
      • Commercial Card Payment Transactions
      • Commercial Electronic Direct/ACH Transactions
      • Commercial Paper Payment Transactions
      • Personal Card Payment Transactions
      • Personal Electronic Direct/ACH Transactions
      • Personal Paper Payment Transactions
        • Commercial Electronic Direct/ACH Transactions
        • Personal Electronic Direct/ACH Transactions
          • Commercial Cash Transactions
          • Commercial Other Paper Transactions
          • Personal Cash Transactions
          • Personal Other Paper Transactions
      • Mobile M-Commerce Proximity
      • Mobile M-Commerce Remote
    • Tablet M-Commerce
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This report originates from Passport, our Financial Cards and Payments research and analysis database.

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