Market Research Logo

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

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

Summary

GlobalData’s The Cards and Payments Industry in France: Emerging Trends and Opportunities to 2020, report provides detailed analysis of market trends in the French cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including credit transfers, direct debits, check payments, payment cards and cash transactions during the review period (2012-2016).

The report also analyzes various payment card markets operating in the industry, and provides detailed information on the number of cards in circulation, and transaction values and volumes during the review period and over the forecast period (2016-2020). It also offers information on the country's competitive landscape, including the market shares of issuers and schemes.

The report brings together GlobalData’s research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers details of regulatory policy and recent changes in the regulatory structure.

Banks and payment solution providers are launching new solutions to benefit from a growing preference for alternative payments. In March 2015 Sweden-based mobile payment (m-payment) solution provider Seamless launched its mobile app, Seqr. Following which, the functionality of Paylib was expanded in May 2016, allowing users with compatible Android mobile phones to make contactless m-payments of up to US$19.0 (EUR20) at 470,000 merchants. Apple launched Apple Pay in July 2016 in partnership with some of the country’s largest financial institutions.

The emergence of digital only banks is likely to accelerate a shift towards electronic payments in France. In January 2016, telecom operator Orange France acquired Groupama Banque to create Orange Bank. Orange mobile phone customers can directly subscribe to banking services through the network’s mobile app, via the website, or at 140 accredited stores. In December 2015, German-based financial service provider Number 26 launched its mobile-only bank in France.

The introduction of maintenance fee on saving and current accounts by major banks is anticipated to bring more competition in the French debit cards market. With profit margins shrinking and interest rates low, banks are introducing account fees. BNP Paribas introduced a US$2.4 (EUR2.5) basic account fee in November 2015. Similarly, BNP Paribas, Société Générale and Caisse d’Epargne Île-de-France introduced current account fees in the range of US$14.3-28.5 (EUR15-30) in February 2016. Banque Postale raised account fees from US$4 (EUR4.2) to US$5.9 (EUR6.2).

This report also provides top-level market analysis, information and insights into the French cards and payments industry, including -

  • Current and forecast values for each market in the French cards and payments industry, including debit, credit and charge cards.
  • Detailed insights into payment instruments including credit transfers, direct debits, cash transactions, checks and payment cards. It also, includes an overview of the country's key alternative payment instruments.
  • E-commerce market analysis and payment methods.
  • Analysis of various market drivers and regulations governing the French cards and payments industry.
  • Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • The competitive landscape in the French cards and payments industry.
Scope
  • This report provides a comprehensive analysis of the French cards and payments industry.
  • It provides current values for the French cards and payments industry for 2016, and forecast figures to 2020.
  • It details the different demographic, economic, infrastructural and business drivers affecting the French cards and payments industry.
  • It outlines the current regulatory framework in the industry.
  • It details marketing strategies used by various banks and other institutions.
Reasons to buy
  • Make strategic business decisions, using top-level historic and forecast market data, related to the French cards and payments industry and each market within it.
  • Understand the key market trends and growth opportunities in the French cards and payments industry.
  • Assess the competitive dynamics in the French cards and payments industry.
  • Gain insights into marketing strategies used for various card types in France.
  • Gain insights into key regulations governing the French cards and payments industry.


  • Executive Summary
    • Market overview
    • Key facts
      • Table France, Key Facts, 2016
      • Table France, Regional Benchmarking of Payment Cards, 2016
    • Top five industry events
  • Payment Instruments
    • Current payment environment
      • Table Figure 1: France, Payment Instrument Shares by Transaction Value (%), 2012 vs 2016
      • Table Figure 2: France, Payment Instrument Shares by Transaction Volume (%), 2012 vs 2016
  • E-Commerce and Alternative Payments
    • E-Commerce market analysis
      • Table Figure 3: France, E-Commerce Value
    • Alternative payment solutions
      • Paylib
      • SlimPay
      • PayPal
      • Apple Pay
      • Visa Checkout
      • MasterPass
      • Seqr
      • paysafecard
      • Boku
  • Regulations in the Cards and Payments Industry
    • Regulatory framework
      • SEPA cards framework
      • Implementation of the payment services directive (PSD)
      • Payment Services Directive 2 (PSD2)
      • Interchange fee regulation
    • Anti-money laundering
    • Foreign direct investment (FDI) regulations
      • Table France, Mode of Entry of Foreign Banks
  • Analysis of Cards and Payments Industry Drivers
    • Table Figure 4: France, Population and Economic Indicators
    • Table Figure 5: France, ATMs, POS Terminals and Household Consumption
  • Payment Cards
    • Table Figure 6: France, Payment Cards Transaction Value and Cards in Circulation, 2012-2020
  • Debit Cards
    • Debit cards market analysis
      • Table Figure 7: France, Debit Card Penetration and Turnover Per Card
    • Competition in the debit cards market
      • Table Figure 8: France, Debit Cards Scheme and Issuer Transaction Value Share (%), 2016
    • Debit cards comparison
      • Table France, Debit Cards Comparison and Key Features, 2017
  • Pay Later Cards
    • Pay later cards market analysis
      • Table Figure 9: France, Pay Later Card Penetration and Turnover Per Card
    • Competition in the pay later cards market
      • Table Figure 10: France, Pay Later Cards Scheme and Issuer Transaction Value Share (%), 2016
    • Pay later cards comparison
      • Table France, Gold Credit Cards Comparison and Key Features, 2017
      • Table France, Premium Credit Cards Comparison and Key Features, 2017
      • Table France, Charge Cards Comparison and Key Features, 2017
  • Prepaid Cards
    • Table Figure 11: France, Prepaid Cards in Circulation and Transaction Value, 2012-2020
  • Merchant Acquiring
    • Table Figure 12: France, Merchant Acquiring Transaction Volume and Value, 2012-2020
    • Table Figure 13: France, Acquirers' Market Share in Terms of Transaction Volume and Value (%), 2016
    • Table Figure 14: France, Average Merchant Service Charge and Interchange Fee (%), 2012-2020
  • Appendix
    • Abbreviations and acronyms
    • Supplementary data
      • Table France, Payment Instrument Transaction Values (EUR Billion), 2012-2016
      • Table France, Payment Instrument Transaction Values (US$ Billion), 2012-2016
      • Table France, Payment Instrument Transaction Volumes (Billion), 2012-2016
      • Table France, Payment Cards in Circulation by Type (Million), 2012-2020
      • Table France, Volume of Payment Card Transactions (Million), 2012-2020
      • Table France, Value of Payment Card Transactions (EUR Billion), 2012-2020
      • Table France, Value of Payment Card Transactions (US$ Billion), 2012-2020
      • Table France, Debit Cards in Circulation (Million), 2012-2020
      • Table France, Debit Card Transaction Volumes, 2012-2020
      • Table France, Debit Card Transaction Values (EUR), 2012-2020
      • Table France, Debit Card Transaction Values (US$), 2012-2020
      • Table France, Debit Cards in Circulation by Scheme (Million), 2012-2016
      • Table France, Debit Card Transaction Values by Scheme (EUR Billion), 2012-2016
      • Table France, Debit Card Transaction Values by Scheme (US$ Billion), 2012-2016
      • Table France, Debit Card Transaction Values by Issuer (EUR Billion), 2012-2016
      • Table France, Debit Card Transaction Values by Issuer (US$ Billion), 2012-2016
      • Table France, Pay Later Cards in Circulation (Million), 2012-2020
      • Table France, Pay Later Card Transaction Volumes, 2012-2020
      • Table France, Pay Later Card Transaction Values (EUR), 2012-2020
      • Table France, Pay Later Card Transaction Values (US$), 2012-2020
      • Table France, Pay Later Cards in Circulation by Scheme (Million), 2012-2016
      • Table France, Pay Later Card Transaction Values by Scheme (EUR Billion), 2012-2016
      • Table France, Pay Later Card Transaction Values by Scheme (US$ Billion), 2012-2016
      • Table France, Pay Later Card Transaction Values by Issuer (EUR Billion), 2012-2016
      • Table France, Pay Later Card Transaction Values by Issuer (US$ Billion), 2012-2016
      • Table France, Credit Cards in Circulation (Million), 2012-2020
      • Table France, Credit Card Transaction Volumes, 2012-2020
      • Table France, Credit Card Transaction Values (EUR), 2012-2020
      • Table France, Credit Card Transaction Values (US$), 2012-2020
      • Table France, Credit Cards in Circulation by Scheme (Million), 2012-2016
      • Table France, Credit Card Transaction Values by Scheme (EUR Billion), 2012-2016
      • Table France, Credit Card Transaction Values by Scheme (US$ Billion), 2012-2016
      • Table France, Charge Cards in Circulation (Million), 2012-2020
      • Table France, Charge Card Transaction Volumes, 2012-2020
      • Table France, Charge Card Transaction Values (EUR), 2012-2020
      • Table France, Charge Card Transaction Values (US$), 2012-2020
      • Table France, Charge Cards in Circulation by Scheme (Million), 2012-2016
      • Table France, Charge Card Transaction Values by Scheme (EUR Billion), 2012-2016
      • Table France, Charge Card Transaction Values by Scheme (US$ Billion), 2012-2016
      • Table France, Prepaid Cards in Circulation (Million), 2012-2020
      • Table France, Prepaid Card Transaction Values (EUR Million), 2012-2020
      • Table France, Prepaid Card Transaction Values (US$ Million), 2012-2020
      • Table France, Merchant Acquiring Transaction Volumes (Billion), 2012-2020
      • Table France, Merchant Acquiring Transaction Values (EUR Billion), 2011-2020
      • Table France, Merchant Acquiring Transaction Values (US$ Billion), 2012-2020
      • Table France, Acquirers' Transaction Volumes (Billion), 2012-2016
      • Table France, Acquirers' Transaction Values (EUR Billion), 2012-2016
      • Table France, Acquirers' Transaction Values (US$ Billion), 2012-2016
      • Table France, Retail Outlets and Card-Accepting Merchants (Thousand), 2012-2020
      • Table France, Debit Card Average Interchange Fees (%), 2012-2016
      • Table France, Debit Card Merchant Service Charge and Interchange Fee (%), 2012-2020
      • Table France, Pay Later Card Average Interchange Fees (%), 2012-2016
      • Table France, Pay Later Card Merchant Service Charge and Interchange Fee (%), 2012-2020
    • Definitions
      • Table Definitions of Commonly Used Terms
    • Common payment card features
      • Table Common Features of Payment Cards
    • Methodology
    • Bibliography
    • Further reading

Download our eBook: How to Succeed Using Market Research

Learn how to effectively navigate the market research process to help guide your organization on the journey to success.

Download eBook

Share this report