The Cards and Payments Industry in France: Emerging Trends and Opportunities to 2019

France is one of Europe’s largest payment cards markets, accounting for 11.5% of Europe’s total transaction value, and 14.0% of its transaction volume. France’s payment cards market has a penetration of payment cards at 1.3 cards per inhabitant. The average annual spend per card is very high in France compared to most other European markets including the UK, Germany, Italy and Spain.

A typical feature of France’s payment cards market is the availability of multifunctional cards. A single payment card is integrated with debit and credit functions.. The prevailing type of multifunction card is the one that has debit and credit features. For example Crédit Agricole is offering MasterCard Dual Action, a credit card which can be used as a debit card by selecting the 'Cash' option at payment terminals.

The volume and value of payment card transactions continue to grow due to wide spread uptake of electronic payments by both consumers and merchants and also due to growing acceptance of contactless technology. However, to capture a larger share of the market and increase their customer base, mobile operators and technology providers are introducing quicker and more efficient digital payment platforms such as Orange Cash, Hype and SlimPay.

In France, social media has been used by banks to help enable consumers to transfer funds quickly and securely via a social platform: all Twitter users in France, no matter who they bank with, can tweet money to one another through BCPE.

Scope

• The competitive landscape of France's cards and payments industry

• An overview of France’s key alternative payment instruments

• Current values for France’s cards and payments industry for 2014, and forecast figures to 2019

• Profiles of major banks in the French cards and payments industry

• E-commerce market analysis and detail of online payment types in the French market

• Analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards

Key Highlights

What is the growth of contactless payments in France in 2015? What are the latest contactless m-payment services that banks and telecom operators are launching in the French market?

How many small and medium enterprises (SMEs) in France equipped with smartphones are not accepting card payments? What are the mobile POS (mPOS) service providers doing to increase merchant adoption? Which mobile payment companies have introduced initiatives to support their activity and are further driving payment card transaction volumes and values in France as a result?

By how much did online card fraud grow in France during the review period? How much was accounted for by card-not-present fraud? What are banks in France experimenting with to curb this? What new technology is involved? Which two banks have undertaken this project – currently under pilot prior to roll out in 2016 – and in partnership with which technology provider?

Reasons to buy

• Make strategic business decisions in each category of France's cards and payments industry utilizing GlobalData’s top-level historic and forecast market data

• Identify key market trends and growth opportunities in France's cards and payments industry and position yourself accordingly to increase your market share

• Analyze the strategies used by card issuers for attracting consumers in France and evaluate those which are best suited to your value proposition

• Assess the key regulations governing France’s cards and payments industry and consider those which may have a negative impact on your bottom line

Companies mentioned

BPCE Group

BNP Paribas

Crédit Agricole

Crédit Mutuel-CIC Group

La Banque Postale

Cartes Bancaires

American Express

Visa

MasterCard

Table of Contents

1 Definitions and Methodology

1.1 Definitions

1.2 Methodology

2 Key Facts and Events

3 Executive Summary

4 Payment Instruments

4.1 Current Payment Environment

5 E-Commerce

5.1 E-Commerce Market Analysis

6 Alternative Payments

6.1 Alternative Payment Instruments

6.1.1 Paylib

6.1.2 Hype

6.1.3 SlimPay

6.1.4 Starbucks mobile wallet

6.1.5 MasterPass

6.1.6 Visa Checkout

6.1.7 Seqr

7 Regulations in the Cards and Payments Industry

7.1 Regulatory Framework

7.1.1 SEPA cards framework

7.1.2 Interchange fee regulation

7.1.3 Regulation on cash transactions

7.2 Anti-Money Laundering (AML)

7.3 Foreign Direct Investment (FDI) Regulations

8 Analysis of Cards and Payments Industry Drivers

8.1 Demographic Drivers

8.2 Economic Drivers

8.3 Infrastructure Drivers

8.4 Business Drivers

9 Market Segmentation

9.1 Market Segmentation and Targeting

9.1.1 Consumer cards

9.1.2 Commercial cards

10 Payment Cards

10.1 Payment Cards Analysis

10.1.1 Volume and value of payment card transactions by type

10.1.2 Personal vs commercial cards

11 Debit Cards

11.1 Debit Card Market Analysis

11.1.1 Debit card transaction volumes and values by channel

11.1.2 Debit card scheme and issuer shares in terms of transaction value

11.1.3 Debit cards comparison

12 Credit Cards

12.1 Credit Card Market Analysis

12.1.1 Credit card transaction volumes and values by channel

12.1.2 Credit card scheme and issuer shares in terms of transaction value

12.1.3 Credit cards comparison

13 Charge Cards

13.1 Charge Card Market Analysis

13.1.1 Charge card transaction volumes and values by channel

13.1.2 Charge card scheme shares in terms of transaction value

13.1.3 Charge cards comparison

14 Commercial Cards

14.1 Commercial Card Market Analysis

14.1.1 Commercial cards comparison

15 Card Fraud Statistics

15.1 Card Fraud Analysis

16 Card Issuers

16.1 BPCE Group

16.2 BNP Paribas

16.3 Crédit Agricole

16.4 Crédit Mutuel-CIC Group

16.5 La Banque Postale

17 Prepaid Cards

17.1 Prepaid Card Market Analysis

17.1.1 Prepaid cards comparison

18 Private Label Cards

18.1 Private Label Card Market Analysis

19 Merchant Acquiring

19.1 Merchant Acquiring Market Analysis

20 Appendix

20.1 Tables

20.2 Contact GlobalData

20.3 About GlobalData

20.4 GlobalData’s Services

20.5 Disclaimer

List of Tables

Table 1: Key Definitions

Table 2: Annual Average Exchange Rate

Table 3: France – Key Facts, 2014

Table 4: Regional Benchmarking of France Payment Cards, 2014

Table 5: France – Mode of Entry of Foreign Banks

Table 6: Cards for High-Income Consumers, 2016

Table 7: Cards for Travelers, 2016

Table 8: Cards for Online Shoppers, 2016

Table 9: Cards for Retail Shoppers, 2016

Table 10: Cards for Students and Young Population, 2016

Table 11: Commercial Cards Comparison and Key Features, 2016

Table 12: France – Debit Cards Comparison and Key Features, 2015

Table 13: France – Gold Credit Cards Comparison and Key Features, 2015

Table 14: France – Premium Credit Cards Comparison and Key Features, 2015

Table 15: France – Charge Cards Comparison and Key Features, 2015

Table 16: France – Commercial Cards Comparison and Key Features, 2015

Table 17: France – Prepaid Cards Comparison and Key Features, 2015

Table 18: France – Private Label Credit Cards Comparison and Key Features, 2016

Table 19: France – Payment Instrument Transaction Values (EUR Billion), 2010–2014

Table 20: France – Payment Instrument Transaction Values (US$ Billion), 2010–2014

Table 21: France – Payment Instrument Transaction Volumes (Billion), 2010–2014

Table 22: France – Number of Payment Cards in Circulation by Type (Million), 2010–2019

Table 23: France – Volume of Payment Card Transactions by Type (Million), 2010–2019

Table 24: France – Value of Payment Card Transactions by Type (EUR Billion), 2010–2019

Table 25: France – Value of Payment Card Transactions by Type (US$ Billion), 2010–2019

Table 26: France – Personal and Commercial Card Transaction Volumes (Million), 2010–2019

Table 27: France – Personal and Commercial Card Transaction Values (EUR Billion), 2010–2019

Table 28: France – Personal and Commercial Card Transaction Values (US$ Billion), 2010–2019

Table 29: France – Number of Debit Cards in Circulation (Million), 2010–2019

Table 30: France – Debit Card Transaction Volumes and Frequency by Channel, 2010–2019

Table 31: France – Debit Card Total and Average Transaction Values by Channel, 2010–2019

Table 32: France – Debit Card Total and Average Transaction Values by Channel, 2010–2019

Table 33: France – Number of Debit Cards in Circulation by Scheme (Million), 2010–2014

Table 34: France – Debit Card Transaction Values by Scheme (EUR Billion), 2010–2014

Table 35: France – Debit Card Transaction Values by Scheme (US$ Billion), 2010–2014

Table 36: France – Debit Card Transaction Values by Issuer (EUR Billion), 2010–2014

Table 37: France – Debit Card Transaction Values by Issuer (US$ Billion), 2010–2014

Table 38: France – Number of Credit Cards in Circulation (Million), 2010–2019

Table 39: France – Credit Card Transaction Volumes and Frequency by Channel, 2010–2019

Table 40: France – Credit Card Total and Average Transaction Values by Channel, 2010–2019

Table 41: France – Credit Card Total and Average Transaction Values by Channel, 2010–2019

Table 42: France – Number of Credit Cards in Circulation by Scheme (Million), 2010–2014

Table 43: France – Credit Card Transaction Values by Scheme (EUR Billion), 2010–2014

Table 44: France – Credit Card Transaction Values by Scheme (US$ Billion), 2010–2014

Table 45: France – Pay Later Card Transaction Values by Issuer (EUR Billion), 2010–2014

Table 46: France – Pay Later Card Transaction Values by Issuer (US$ Billion), 2010–2014

Table 47: France – Credit Card Balances Outstanding by Issuer (EUR Billion), 2010–2014

Table 48: France – Credit Card Balances Outstanding by Issuer (US$ Billion), 2010–2014

Table 49: France – Number of Charge Cards in Circulation (Million), 2010–2019

Table 50: France – Charge Card Transaction Volumes and Frequency by Channel, 2010–2019

Table 51: France – Charge Card Total and Average Transaction Values by Channel, 2010–2019

Table 52: France – Charge Card Total and Average Transaction Values by Channel, 2010–2019

Table 53: France – Number of Charge Cards in Circulation by Scheme (Million), 2010–2014

Table 54: France – Charge Card Transaction Values by Scheme (EUR Billion), 2010–2014

Table 55: France – Charge Card Transaction Values by Scheme (US$ Billion), 2010–2014

Table 56: France – Number of Commercial Cards in Circulation (Million), 2010–2019

Table 57: France – Commercial Card Transaction Values (EUR Billion), 2010–2019

Table 58: France – Commercial Card Transaction Values (US$ Billion), 2010–2019

Table 59: France – Card Fraud (EUR Million), 2010–2014

Table 60: France – Card Fraud (US$ Million), 2010–2014

Table 61: France – Number of Prepaid Cards in Circulation (Million), 2010–2019

Table 62: France – Prepaid Card Transaction Values (EUR Million), 2010–2019

Table 63: France – Prepaid Card Transaction Values (US$ Million), 2010–2019

Table 64: France – Merchant Acquiring Transaction Volumes by Channel (Billion), 2010–2019

Table 65: France – Merchant Acquiring Transaction Values (EUR Billion), 2010–2019

Table 66: France – Merchant Acquiring Transaction Values (US$ Billion), 2010–2019

Table 67: France – Acquirers’ Transaction Volumes (Billion), 2010–2014

Table 68: France – Acquirers’ Transaction Values (EUR Billion), 2010–2014

Table 69: France – Acquirers’ Transaction Values (US$ Billion), 2010–2014

Table 70: France – Retail Outlets and Merchant Accounts (Million), 2010–2019

List of Figures

Figure 1: France – Payment Instrument Shares by Transaction Value (%), 2010 and 2014

Figure 2: France – Payment Instrument Shares by Transaction Volume (%), 2010 and 2014

Figure 3: France – E-Commerce Value (US$ Billion) and Payment Types (%)

Figure 4: France – Total Population and Structure, 2010–2019

Figure 5: France – Economic Indicators, 2010–2019

Figure 6: France – Number of ATMs, POS Terminals and Number of Bank Branches, 2010–2019

Figure 7: France – Retail Sales and Real Household Consumption, 2010–2014

Figure 8: France – Segmentation by Card Type

Figure 9: France – Growth in Payment Card Transaction Values and Number of Cards in Circulation by Type, 2010–2019

Figure 10: France – Volume and Value of Payment Card Transactions by Type (%), 2010–2019

Figure 11: France – Personal and Commercial Card, Transaction Volumes and Values (%), 2010–2019

Figure 12: France – Growth in Debit Card Transaction Values and Number of Debit Cards in Circulation, 2010–2019

Figure 13: France – Pay Now, Average Interchange Fees: Intra-Network Transactions (%), 2010–2014

Figure 14: France – Pay Now, Average Merchant Service Charge: Domestic Transactions (%), 2010–2019

Figure 15: France – Debit Card Transaction Volumes and Values by Channel, 2010–2019

Figure 16: France – Debit Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2014

Figure 17: France – Growth in Credit Card Transaction Values and Number of Credit Cards in Circulation, 2010–2019

Figure 18: France – Pay Later, Average Interchange Fees: Intra-Network Transactions (%), 2010–2014

Figure 19: France – Pay Later, Average Merchant Service Charge: Domestic Transactions (%), 2010–2019

Figure 20: France – Credit Card Transaction Volumes and Values by Channel, 2010–2019

Figure 21: France – Credit Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2014

Figure 22: France – Growth in Charge Card Transaction Values and Number of Charge Cards in Circulation, 2010–2019

Figure 23: France – Charge Card Transaction Volumes and Values by Channel, 2010–2019

Figure 24: France – Charge Card Scheme Shares in Terms of Transaction Value (%), 2014

Figure 25: France – Number of Commercial Cards in Circulation and Transaction Value, 2010–2019

Figure 26: France – Shares of Various Types of Card Fraud in Terms of Transaction Value (%), 2010 and 2014

Figure 27: France – Number of Prepaid Cards in Circulation and Transaction Value, 2010–2019

Figure 28: France – Merchant Acquiring Transaction Volume and Value, 2010–2019

Figure 29: France – Acquirers’ Market Share in Terms of Transaction Volume and Value (%), 2014

Figure 30: France – Number of Retail Outlets and Total Merchant Accounts (Million), 2010–2019

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