The Cards and Payments Industry in France: Emerging Trends and Opportunities to 2020

France is one of Europe’s largest payment cards markets, accounting for a significant share of Europe’s total transaction value and its transaction volume. France’s payment cards market is mature, with a high penetration of payment cards at 1.2 per inhabitant. How does the average annual spend per card compare to other developed markets such as the UK, the US, Germany, Italy, Spain and Canada?

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. Multi-functionality cards are attracting French consumers by providing access to several accounts via one card. Which bank is offering a dual credit card with a combined functionality?

The volume and value of payment card transactions grew largely due to the familiarity of their use, the availability of infrastructure and the emergence 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.

Scope

• A comprehensive analysis of France’s payments industry

• Current values for the French payments industry, with forecast figures up to 2020

• An analysis of the different demographic, economic, infrastructural and business drivers affecting the French cards and payments industry

• An outline of the current regulatory framework in the industry

• Actionable insight from an analysis of strategies implemented by banks and other financial institutions in the market

• Profiles of the leading players in the French cards and payments industry

• Insights into payment instruments including: credit transfers, check payments, cash transactions, payment cards and direct debits

• Card fraud analysis in four categories of transgression

• E-commerce market analysis and online payment types in the French payments industry

Key Highlights

What is the exceptional year-on-year growth of contactless card payments in France registered in March 2016? What is the total of transactions and what percentage rise does this represent over the preceding month? Which partnership has launched a contactless mobile payment (m-payment) service into the French market?

What are solution providers doing to increase the uptake of mobile POS (mPOS) among small merchants? How many small and medium enterprises (SMEs) in France are equipped with smartphones but do not accept card payments? Which provider has launched a card reader exclusively for small merchants? Which two providers are also offering card readers for small merchants? What is the anticipated effect of these solutions on merchants and payment card transaction volumes and values?

What has been the trend in online card fraud during the review period? Which category of fraud accounted for the highest share of the total fraud registered in 2015? What percentage of the total fraud did this represent? What initiatives are banks in France undertaking to curb this fraud? Which partnership has a technology solution under pilot? What are the key features of this solution? When is it planned to roll out this solution to the industry?

Reasons to buy

• Make more informed business decisions, utilizing GlobalData’s historic and forecast data in each payment category

• Evaluate the key market trends and growth opportunities in France’s payments industry and align your value proposition to increase your share of the market

• Assess the competitive dynamics in the French cards and payments industry and position yourself to maintain your competitive advantage

• Analyze insights into successful strategies used for various payment instruments in France; adopt those that are aligned to your business objectives and drive your revenue growth

• Analyze the key regulations governing the French cards and payments industry – ensure you remain compliant

Companies mentioned

BPCE Group

BNP Paribas

Crédit Agricole

Credit 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 PayPal

6.1.3 Hype

6.1.4 SlimPay

6.1.5 Starbucks mobile wallet

6.1.6 MasterPass

6.1.7 Visa Checkout

6.1.8 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 Market Analysis

10.1.1 Volume and value of payment card transactions by type

10.1.2 Cartes Bancaires

11 Debit Cards

11.1 Debit Card Market Analysis

11.1.1 Turnover per debit card and transaction 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 Turnover per credit card and transaction 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 Turnover per charge card and transaction values by channel

13.1.2 Charge card scheme shares in terms of transaction value

13.1.3 Charge cards comparison

14 Commercial Pay Later Cards

14.1 Commercial Pay Later Cards Market Analysis

14.1.1 Commercial pay later 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, 2015

Table 4: Regional Benchmarking of France Payment Cards, 2015

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: CB Cards – Key Indicators, 2010–2014

Table 13: France – Debit Cards Comparison and Key Features, 2016

Table 14: France – Gold Credit Cards Comparison and Key Features, 2016

Table 15: France – Premium Credit Cards Comparison and Key Features, 2016

Table 16: France – Charge Cards Comparison and Key Features, 2016

Table 17: France – Commercial Pay Later Cards Comparison and Key Features, 2016

Table 18: France – Prepaid Cards Comparison and Key Features, 2016

Table 19: France – Private Label Credit Cards Comparison and Key Features, 2016

Table 20: France – Payment Instrument Transaction Values (EUR Billion), 2011–2015

Table 21: France – Payment Instrument Transaction Values (US$ Billion), 2011–2015

Table 22: France – Payment Instrument Transaction Volumes (Billion), 2011–2015

Table 23: France – Number of Payment Cards in Circulation by Type (Million), 2011–2020

Table 24: France – Volume of Payment Card Transactions by Type (Million), 2011–2020

Table 25: France – Value of Payment Card Transactions by Type (EUR Billion), 2011–2020

Table 26: France – Value of Payment Card Transactions by Type (US$ Billion), 2011–2020

Table 27: France – Number of Debit Cards in Circulation (Million), 2011–2020

Table 28: France – Debit Card Transaction Volumes and Frequency by Channel, 2011–2020

Table 29: France – Debit Card Total and Average Transaction Values by Channel, 2011–2020

Table 30: France – Debit Card Total and Average Transaction Values by Channel, 2011–2020

Table 31: France – Number of Debit Cards in Circulation by Scheme (Million), 2011–2015

Table 32: France – Debit Card Transaction Values by Scheme (EUR Billion), 2011–2015

Table 33: France – Debit Card Transaction Values by Scheme (US$ Billion), 2011–2015

Table 34: France – Debit Card Transaction Values by Issuer (EUR Billion), 2011–2015

Table 35: France – Debit Card Transaction Values by Issuer (US$ Billion), 2011–2015

Table 36: France – Number of Pay Later Cards in Circulation (Million), 2011–2020

Table 37: France – Pay Later Card Transaction Volumes and Frequency by Channel, 2011–2020

Table 38: France – Pay Later Card Total and Average Transaction Values by Channel, 2011–2020

Table 39: France – Pay Later Card Total and Average Transaction Values by Channel, 2011–2020

Table 40: France – Number of Pay Later Cards in Circulation By Scheme (Million), 2011–2015

Table 41: France – Pay Later Card Transaction Values By Scheme (EUR Billion), 2011–2015

Table 42: France – Pay Later Card Transaction Values By Scheme (US$ Billion), 2011–2015

Table 43: France – Pay Later Card Transaction Values by Issuer (EUR Billion), 2011–2015

Table 44: France – Pay Later Card Transaction Values by Issuer (US$ Billion), 2011–2015

Table 45: France – Number of Credit Cards in Circulation (Million), 2011–2020

Table 46: France – Credit Card Transaction Volumes and Frequency by Channel, 2011–2020

Table 47: France – Credit Card Total and Average Transaction Values by Channel, 2011–2020

Table 48: France – Credit Card Total and Average Transaction Values by Channel, 2011–2020

Table 49: France – Number of Credit Cards in Circulation by Scheme (Million), 2011–2015

Table 50: France – Credit Card Transaction Values by Scheme (EUR Billion), 2011–2015

Table 51: France – Credit Card Transaction Values by Scheme (US$ Billion), 2011–2015

Table 52: France – Number of Charge Cards in Circulation (Million), 2011–2020

Table 53: France – Charge Card Transaction Volumes and Frequency by Channel, 2011–2020

Table 54: France – Charge Card Total and Average Transaction Values by Channel, 2011–2020

Table 55: France – Charge Card Total and Average Transaction Values by Channel, 2011–2020

Table 56: France – Number of Charge Cards in Circulation by Scheme (Million), 2011–2015

Table 57: France – Charge Card Transaction Values by Scheme (EUR Billion), 2011–2015

Table 58: France – Charge Card Transaction Values by Scheme (US$ Billion), 2011–2015

Table 59: France – Personal and Commercial Pay Later Card Transaction Volumes (Million), 2011–2020

Table 60: France – Personal and Commercial Pay Later Card Transaction Values (EUR Billion), 2011–2020

Table 61: France – Personal and Commercial Pay Later Card Transaction Values (US$ Billion), 2011–2020

Table 62: France – Number of Commercial Pay Later Cards in Circulation (Million), 2011–2020

Table 63: France – Commercial Pay Later Card Transaction Values (EUR Billion), 2011–2020

Table 64: France – Commercial Pay Later Card Transaction Values (US$ Billion), 2011–2020

Table 65: France – Commercial Pay Later Card Transaction Volumes (Million), 2011–2020

Table 66: France – Card Fraud (EUR Million), 2011–2015

Table 67: France – Card Fraud (US$ Million), 2011–2015

Table 68: France – Number of Prepaid Cards in Circulation (Million), 2011–2020

Table 69: France – Prepaid Card Transaction Values (EUR Million), 2011–2020

Table 70: France – Prepaid Card Transaction Values (US$ Million), 2011–2020

Table 71: France – Merchant Acquiring Transaction Volumes by Channel (Billion), 2011–2020

Table 72: France – Merchant Acquiring Transaction Values (EUR Billion), 2011–2020

Table 73: France – Merchant Acquiring Transaction Values (US$ Billion), 2011–2020

Table 74: France – Acquirers’ Transaction Volumes (Million), 2011–2015

Table 75: France – Acquirers’ Transaction Values (EUR Billion), 2011–2015

Table 76: France – Acquirers’ Transaction Values (US$ Billion), 2011–2015

Table 77: France – Retail Outlets and Card Accepting Merchants (Million), 2011–2020

List of Figures

Figure 1: France – Payment Instrument Shares by Transaction Value (%), 2011 vs 2015

Figure 2: France – Payment Instrument Shares by Transaction Volume (%), 2011 vs 2015

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

Figure 4: France – Total Population and Structure

Figure 5: France – Economic Indicators

Figure 6: France – Number of ATMs and POS Terminals

Figure 7: France – Real Household Consumption and Outbound Tourism Expenditure

Figure 8: France – Segmentation by Card Type

Figure 9: France – Growth in Payment Card Transaction Values and Number of Cards in Circulation by Type, 2011–2020

Figure 10: France – Volume and Value of Payment Card Transactions by Type (%), 2011–2020

Figure 11: France – Number of CB Cards, Transaction Value and Volume

Figure 12: France – Debit Card Penetration and Number of Debit Cards in Circulation, 2011–2020

Figure 13: France – Debit Card, Average Interchange Fees: Intra-Network Transactions (%), 2011–2015

Figure 14: France – Debit Card, Average Merchant Service Charges and Interchange Fees: Domestic Transactions (%), 2011–2020

Figure 15: France – Turnover Per Debit Card and Transaction Values by Channel, 2011–2020

Figure 16: France – Debit Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2015

Figure 17: France – Credit Card Penetration and Number of Credit Cards in Circulation, 2011–2020

Figure 18: France – Pay Later, Average Interchange Fees: Intra-Network Transactions (%), 2011–2015

Figure 19: France – Pay Later, Average Merchant Service Charges and Interchange Fees: Domestic Transactions (%), 2011–2020

Figure 20: France – Turnover Per Credit Card and Transaction Values by Channel, 2011–2020

Figure 21: France – Credit Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2015

Figure 22: France – Charge Card Penetration and Number of Charge Cards in Circulation, 2011–2020

Figure 23: France – Turnover Per Charge Card and Transaction Values by Channel, 2011–2020

Figure 24: France – Charge Card Scheme Shares in Terms of Transaction Value (%), 2015

Figure 25: France – Commercial vs Personal Pay Later Cards, Transaction Volumes and Values (%), 2011–2020

Figure 26: France – Number of Commercial Pay Later Cards in Circulation, Transaction Value and Volume, 2011–2020

Figure 27: France – Shares of Various Types of Card Fraud in Terms of Transaction Value (%), 2011 vs 2015

Figure 28: France – Number of Prepaid Cards in Circulation and Transaction Value, 2011–2020

Figure 29: France – Merchant Acquiring Transaction Volume and Value, 2011–2020

Figure 30: France – Acquirers’ Market Share in Terms of Transaction Volume and Value (%), 2015

Figure 31: France – Number of Retail Outlets and Card Accepting Merchants (Million), 2011–2020

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